Planning to Retire with COLA Adjustments
“When should I retire to take advantage of the planned big 2023 COLA increase? If I retire in December, will my pension benefits be increased in January 2023, or my first pension check must be in 2022 to take advantage of the COLA adjustment?” – Konstantin. https://youtu.be/SW8qEwkxjuE There are always two sides to a question […]
Ep #70: Changes in Planning Over The Years, Social Security
Listen to the Full Episode: The benefits in retirement that Federal Employees have are based on three things: Pension Social Security TSP To avoid misconceptions about one of the most essential things in your retirement planning – Social Security – we have Floyd Shilanski and his years of experience. Find out the different strategies you […]
Choosing between Deferred Retirement and Postponed Retirement
“I plan to retire at age 57 with an MRA + 10 option. I don’t plan on taking my FERS retirement out until later age 61 or 62 depending. I have the basic life insurance and single. What is the best option to defer retirement or postpone retirement?” – Floyd. As a federal employee, you […]
Ep #69: Sick Leave for Retirement
Listen to the Full Episode: It is crucial to be hyper-intentional when it comes to your retirement! How big of a change can your sick leave make? And how important is this subject when choosing the best day for your retirement? In this episode, we detail some tweaks you can make to your retirement plan […]
Ep #68: Social Security Increase and Cash Flow
Listen to the Full Episode: Whether you are 30, 50, or 70, a subject that has a hold on you is how to improve your financial situation. How much are you saving, and how can you save more? How can you organize your income better? It is crucial to ensure you are not just […]
Does it make sense to consolidate for your retirement?
“I have been working in the federal system for 3 years and will retire within the next 5 years. I am 62. I have a good amount of money in the 403b from my previous employer, 25 years’ worth. Are there any disadvantages/advantages in rolling over my 403b into the TSP? Thank you for your […]
Buying Back Military Time Working as a Civilian
“I am so grateful that you put your information out on podcasts and email. This really benefits the federal govt employee and I share your information on these topics all the time, I entered the US Army Reserves in 1991 and then entered the US Government as a civilian in 2003. At that time when […]
Using Years Of Service To Calculate Your Pension
“If I started in the NAF system in 1996 and then converted to GS in 2008 we were told it would count towards retirement. From doing my research only my GS time will count. Thank you was trying to figure out my pension” – Jeanne. https://www.youtube.com/watch?v=Q5J0qu4y_To If your FERS Pension is 30% LESS than you […]
Ep #64: Spending Money in Retirement
Listen to the Full Episode: Christian Sakamoto joins the show again today to discuss cash flow and the money you spend in retirement. This is often a topic that isn’t addressed properly, and budgeting typically puts a bad taste in people’s mouths, but in this episode, you will hear why some of the greatest advisors […]
Checking Beneficiary Designations
“My wife and I updated our wills two years ago, it states that all of our estate is to go to the survivor and if something were to happen to either one of us. When the survivor dies it then goes to our two children. We’ve made the estate the beneficiary of our life insurance, […]
Ep #63: When Your TSP is Down 25%
Listen to the Full Episode: There are a couple of times a year when it’s really important to have clients come in and review things. As we move into the fall/winter season, this is one of those times for both Micah and today’s guest, Christian Sakamoto. Today Christian and Micah talk about some of the […]
Ep #61: Estate Planning
Listen to the Full Episode: Today Micah and Tammy tackle estate planning, a topic that impacts a lot of people, but that we don’t tend to want to review very often. Despite the common reluctance, there are important details that you will need to review, update, and stay on top of in this area. So […]
