Shows
Plan Your Federal Retirement Podcast#129 Throwback Episode: Medicare and FEHBIn this throwback episode Micah and Tammy will discuss what coverage do you have, and what coverage do you actually need? Everything you need to know about Medicare and Federal Employees Health Benefits, providing you with the answers you need to make informed decisions about your health coverage. Understand the importance of healthcare planning and find out the critical changes in healthcare plans, shedding light on the latest updates that directly impact you. Discover the inclusion of infertility benefits across all plans, enhanced maternal health coverage, and a focus on mental health and obesity. Explore the nuances...2025-06-0236 minPlan Your Federal Retirement Podcast#124 TSP Benefits: What You Need to Know Before RetiringIt's crucial to evaluate your TSP decisions as you approach retirement. Understanding the various benefits associated with your TSP can significantly impact your financial future. In this podcast episode, Micah and Tammy delve into important topics regarding TSP withdrawals, available distribution options, and the associated tax implications. They provide insights on how elements such as timing, cash flow planning, and recent regulatory changes can influence your overall retirement strategy. This conversation offers valuable information to help you prepare for retirement effectively—don't miss out, listen now! https://zurl.co/5kxHM2025-03-2428 minPlan Your Federal Retirement Podcast#121 The Untold Story of Survivor Benefits: Protect What Matters MostPlanning for the future involves understanding what happens to your benefits after you are no longer here. In this podcast episode, Micah and Christian explore the details of survivor benefits—who receives what, how to plan ahead, and why your choices are significant. You'll learn how your pension, Social Security, TSP, and FEHB affect your loved ones. The episode also covers important topics like insurable interest, beneficiary designations, and estate planning. Don’t leave these crucial decisions to chance—tune in now to get the facts! https://zurl.co/jS2WG2025-02-1024 minPlan Your Federal Retirement PodcastFork or Knife? The Truth About VERAAre you considering early retirement under VERA? Before you make a decision that could affect your benefits for years to come, it’s important to understand the risks and opportunities involved. In this podcast episode, Micah and Tammy discuss the key factors that federal employees should evaluate before opting for Voluntary Early Retirement Authority (VERA) or making other retirement choices. Learn how elements such as administrative leave during the deferred resignation period, pension benefits, TSP withdrawal rules, and the FERS supplement can impact your retirement plan. Discover the importance of cash flow planning, what potential del...2025-02-0527 minPlan Your Federal Retirement Podcast#120 Reduction in Force (RIF) and Job Changes - What You Need to Know!What does a Reduction in Force (RIF) or job change mean for your federal benefits and retirement plans? These transitions can bring uncertainty, but you can stay in control with the proper preparation. In this podcast episode, Micah and Floyd share strategies to help you navigate career changes and retirement readiness. Learn about building an emergency fund, managing Temporary Continuation of Coverage (TCC) for health insurance, and preparing for early retirement opportunities. Understand the key rules for maintaining Federal Employee Health Benefits (FEHB) and how to secure your pension under various scenarios. Tune in now...2025-01-2730 minPlan Your Federal Retirement Podcast# 119 FERS Retirement Benefits, What Federal Employees Should Know in 2025What impacts will the latest tax law changes, Social Security projections, and market uncertainties have on your federal retirement in 2025? In this podcast episode, Micah and Floyd discuss actionable strategies to prepare you for a secure retirement. Learn how to navigate potential Social Security reductions, plan for tax diversification, and ensure your retirement cash flow is under control. Plus, uncover tips on Roth conversions, the importance of knowing your income projections, and how to avoid costly mistakes. Tune in now to stay ahead in your retirement planning and make confident decisions for your future. 2025-01-1321 minPlan Your Federal Retirement Podcast#115 Essential Steps to Secure Your Federal Retirement: What You Need to KnowReady to build a comprehensive federal retirement plan? In this podcast episode, Micah and Christian discuss essential retirement planning strategies. Learn how to manage cash flow, adjust for inflation, and explore the best ways to navigate tax planning and Roth conversions. Understand the impact of TSP withdrawals and how to optimize your retirement spending with the bucket strategy. Whether you're nearing retirement or just beginning to plan, this episode offers the insights you need to ensure your retirement plan aligns with your goals and prepares you for a stable financial future. Explore key...2024-11-1832 minPlan Your Federal Retirement Podcast#114 Boost Your Retirement Savings: Understanding FERS Contribution RatesNavigating federal retirement benefits can feel overwhelming, but understanding key elements can empower you to make informed decisions. Knowing how to determine your FERS eligibility, the impact of your high-3 average salary, and the nuances of retirement dates are crucial for planning your financial future. Join Micah and Tammy as they break down essential federal retirement topics. They discuss the importance of verifying your service history, how to calculate your pension and the advantages of understanding survivor benefits. Additionally, they cover health insurance options available during retirement and the impact of your decisions on your overall benefits.2024-11-0432 minPlan Your Federal Retirement Podcast#113 Retirement Tax Traps: How to Avoid Surprises in Your Federal Retirement PlanningUnderstanding how to navigate taxes in retirement is crucial for preserving your hard-earned income. From Roth conversions to Qualified Charitable Distributions (QCDs), implementing effective tax strategies can significantly impact your financial future. Recognizing the importance of Required Minimum Distributions (RMDs) and the Income-Related Monthly Adjustment Amount (IRMAA) will empower you to make informed decisions about your retirement income. Join Micah and Christian as they explore vital tax planning strategies that can help you manage your retirement finances effectively. They cover key topics such as the benefits of timing your withdrawals, leveraging tax credits, and minimizing your taxable...2024-10-2135 minPlan Your Federal Retirement Podcast#112 Crafting Your 10-Year Tax Plan: How to Reduce Liabilities in Your FERS RetirementPlanning for your retirement requires a solid understanding of your options. Discover the best strategies for managing your Thrift Savings Plan (TSP) and learn how to access your funds without facing penalties. In this episode, Micah and Christian discuss vital topics, including various withdrawal options, the significance of your FERS benefits, and techniques for reducing tax implications. Understand the rules around TSP distributions and how to make informed decisions about your retirement savings. Find out what to prioritize in your retirement planning to ensure a smooth transition into this new phase of life. Tune in...2024-10-0728 minPlan Your Federal Retirement Podcast#110 5 Things You Need To Know As A Federal Employee BEFORE You RetireAre you ready to turn your retirement savings into a reliable income stream? Navigating the complexities of your Federal Employee Retirement System benefits, Social Security, and Thrift Savings Plan is essential for a smooth transition into retirement. Learn how to manage your TSP investments, explore effective withdrawal strategies, and determine the best timing for your retirement. Join Micah and Christian as they cover crucial topics including Health Insurance, Medicare (with a focus on Medicare Part B), and the impact of Cost-of-Living Adjustments on your retirement funds. They also provide guidance on estate planning, long-term care...2024-09-0924 minPlan Your Federal Retirement Podcast#109 How Does Retirement Income Work - A Roadmap To Financial FreedomAre you ready to turn your retirement savings into a reliable income stream? Understanding your spending goals and determining your net income is not just crucial, it's the key to managing your cash flow during retirement. Whether it’s Social Security benefits, pensions, or your Thrift Savings Plan, knowing how to handle these various income sources can truly make all the difference in your retirement lifestyle. Join Micah and Tammy as they explore the essentials of retirement income management. In this episode, they cover the essential things, from calculating your net income to navigating different sou...2024-08-2629 minPlan Your Federal Retirement Podcast#108 Federal Finances: Navigating Retirement PrepJoin Tammy and Micah, seasoned federal retirement experts, as they share their insights on navigating retirement preparation, avoiding common mistakes with OPM, and ensuring a smooth transition from federal service. Learn about the importance of accurate record-keeping, the need for correct dates and service credibility, and how to involve HR early on to avoid territorial issues. Find out approaches to resolving retirement claim issues, including the challenges of fixing errors in OPM's database and the importance of regular reminders for clients waiting on OPM responses. Listen to this episode to gain practical insights and tips on...2024-08-1229 minPlan Your Federal Retirement Podcast#107 Burning Sick Leave: Managing Sick Leave Usage Near RetirementAre you nearing retirement and wondering how to manage your sick leave best? Join Tammy and Micah in this insightful episode of the Plan Your Federal Retirement podcast as they dive deep into the intricacies of using sick leave to optimize your federal retirement benefits. In this episode, Tammy and Micah explore: The impact of sick leave on your federal pension calculation, including the high-three average salary and length of service. Discover how to strategically use your sick leave balance to extend your service time and increase your retirement benefits, opening up new...2024-07-2930 minPlan Your Federal Retirement Podcast#105 Demystifying FERS Retirement CalculatorsFederal employees can use various calculators to estimate their FERS benefits, but accurate documentation and proper completion of estate planning documents are crucial for retirement planning! Missing or incomplete information can lead to unexpected consequences, so seeking help from HR or knowledgeable individuals is essential. In this episode, Micah and Tammy demystify the FERS retirement calculators, presenting essential insights. By understanding these calculators, you can take control of your retirement planning and ensure it's accurate and effective. Join the discussion on the importance of precise documentation, proper completion of estate planning documents, and thorough record-keeping...2024-06-1731 minPlan Your Federal Retirement Podcast#103 Don’t Replace Your Expenses in RetirementAre you ready to take control of your retirement finances? Your current spending habits could shape your future retirement lifestyle more than you realize. Join Micah and Tammy in this episode as they discuss the critical aspects of retirement planning. Learn why aligning pre-retirement income with post-retirement needs is crucial to avoid financial stress down the road. Micah and Tammy share invaluable insights into understanding retirement income and expenses, offering practical strategies to optimize your financial outlook. Discover the significance of living within your means, managing expenses, and building reserves for unexpected costs. Gain clarity...2024-05-2024 minPlan Your Federal Retirement Podcast#102 Key things Advisors Wish Their Clients KnewIt is time to discuss retirement planning, cash flow management, and potential retirement expenses! In this special episode, Micah leads a discussion with Floyd Shilanski, RCF®, a team of seasoned advisors,Christian Sakamoto, CFP®, and JT Ferrin, CFP®, to uncover the crucial aspects of retirement planning that are often overlooked. Let's tackle the critical topic of cash flow planning and tax considerations so you can learn how to ensure long-term financial stability. With predictable pensions and TSPs, creating a retirement timeline becomes key to managing finances effectively! With a focus on cash flow mana...2024-05-0629 minPlan Your Federal Retirement Podcast#101 Secure Your Retirement with the Thrift Savings PlanAre you ready to embark on a journey towards a secure retirement? Join our experts, Micah and Tammy, as they analyze advanced retirement strategies to help you achieve financial security in your golden years. From understanding the critical importance of tax planning to maximizing your TSP benefits and optimizing retirement income, they provide you with the knowledge and insights you need to navigate the complexities of retirement planning confidently. Whether it's an OPM update or a rule that you should be careful about, we've got it all covered. Don't let misinformation or misunderstanding d...2024-04-2236 minPlan Your Federal Retirement Podcast#100 Retirement Real Talk: Honest Conversations About Life After WorkAre you ready to retire? Have you considered the emotional part of this journey? Are you and your spouse on the same page about your golden years and have the same expectations? Let's discuss long-term plans, the difficult situations that life can bring, and the importance of ensuring you enjoy your golden years and create memories with your family! Join hosts Micah Shilanski and Tammy Flanagan as they explore honest conversations about life after work. From financial planning to emotional preparedness, they cover it all, helping you navigate retirement gracefully and practically. 2024-04-0821 minPlan Your Federal Retirement Podcast#98 Do You Really Need Life Insurance in Retirement?Federal retirees face unique challenges, from income replacement to tax considerations. But what about life insurance needs and survivor benefits? In this episode, our experts, Micah and Tammy, dive into the importance of tailored life insurance planning to address individual circumstances effectively. Is life insurance necessary, or how much coverage is sufficient? How do you determine the appropriate amount of life insurance? And what about planning for the future and establishing the right goals for survivors' benefits? Discover the significance of proper beneficiary designations to avoid complications and ensure assets are distributed according to your...2024-03-1134 minPlan Your Federal Retirement Podcast#96 What is The MOST Important Part of Your Pension?There are a lot of complexities in federal retirement benefits and retirement planning. Let's unravel the key aspects and pitfalls associated with them! In today's episode, Micah and Christian discuss the importance of understanding federal retirement benefits and avoiding common mistakes. They highlight the significance of understanding cash flow as the heartbeat of retirement planning and explain the FERS annuity benefit formula, breaking down how factors like creditable service, high-three salary, and pension multiplier converge to determine your gross unreduced benefit. Tune in to find out the common mistakes and get actionable insights on how...2024-02-1226 minPlan Your Federal Retirement Podcast#94 Why is My Retirement losing money?Ever wondered why your retirement is losing money despite investment diversification? Join Micah and Christian in our latest episode, where they dive deep into this question, discussing the pitfalls and challenges of investment diversification and how it may only sometimes yield the expected results. Find out why having a structured retirement income timeline is crucial and why you should have a written plan. Learn how to navigate the challenges of overspending and discover long-term investment strategies. Get clear tips on the five-year rule and how it impacts your investments. Tune in for valuable insights on m...2024-01-1527 minPlan Your Federal Retirement Podcast#93 Your 2024 Retirement Planning GuideAs the holiday season ends, it is important to take action about our retirement plans and talk about the changes in the new year! In today's insightful conversation, Micah and Floyd explore the heartbeat of retirement—cash flow. It's not just about money; it's about creating a rhythm for a fulfilling life. Learn how to keep track of spending, make small money moves, and understand why having practical and sustainable financial habits is crucial for your financial well-being. Let's not just make resolutions but take real steps to have a fantastic new year!...2024-01-0127 minPlan Your Federal Retirement Podcast#92: The Crucial Must-Do's in Estate PlanningYou already know how important estate planning is for your retirement, but do you know the crucial must-do's? In this episode, Micah Shilanski, joined by our expert advisors, Christian and JT, are discussing the essential aspects of estate planning and the significance of three fundamental documents for every adult aged 18 and above: the Will, Durable Power of Attorney, and Advanced Health Care Directive. Proper planning is the key to avoiding unintentional disinheritance, Regular updates and selecting the right individuals are essential, as things change over time, and you need to ensure they align wi...2023-12-1821 minPlan Your Federal Retirement Podcast#90: Medicare and FEHBWhat coverage do you have, and what coverage do you actually need? Join Micah and Tammy in this episode, where they explain everything you need to know about Medicare and Federal Employees Health Benefits, providing you with the answers you need to make informed decisions about your health coverage. Understand the importance of healthcare planning and find out the critical changes in healthcare plans, shedding light on the latest updates that directly impact you. Discover the inclusion of infertility benefits across all plans, enhanced maternal health coverage, and a focus on mental health and obesity. Explore the...2023-11-2035 minPlan Your Federal Retirement Podcast#88: Year End Tax PlanningAs the year winds down, it's time to get proactive about your finances and tax planning! Join us as we explore strategies to maximize your savings, minimize your tax burden, and tackle your taxes before the last minute of the year comes. Micah and Floyd will guide you through reviewing your withholdings and making paycheck adjustments to optimize your tax savings and explain the importance of identifying taxable income and tracking gross earnings. Learn how to make the most of your Thrift Savings Plan (TSP) contributions to secure your retirement future and delve i...2023-10-2319 minPlan Your Federal Retirement Podcast#87: Irreversible Mistakes After DeathDon't let irreversible mistakes catch you off guard. Empower yourself with the knowledge you need to plan for a secure future. Let's break down timelines, discuss essential documents like advanced healthcare directives, durable powers of attorney, and wills, and uncover common pitfalls to avoid. Join Micah and Christian as they explore the critical topic of estate planning, unraveling the irreversible mistakes that can occur after someone passes away. Their expert insights shed light on the importance of proper planning, share real-life stories, and provide valuable tips for safeguarding your assets and ensuring your loved ones are taken care of...2023-10-0930 minPlan Your Federal Retirement Podcast#85: TSP Spillover and fundingIn this episode, host Micah Shilanski and a special guest - JT Ferrin, delve into explaining the meaning of TSP Spillover and the advantageous role of Health Savings Accounts (HSAs) in retirement savings. The TSP Spillover is an important concept that might be unfamiliar to many federal employees. Micah and JT provide insights into this administrative change, explaining how it can affect retirement savings and clarifying common misconceptions. Take advantage of this opportunity to enhance your retirement planning expertise. Whether it's increasing TSP contributions, exploring HSA-eligible health plans during open enrollment, or delving into tax...2023-09-1128 minPlan Your Federal Retirement Podcast#84: Retirement Rules living abroadDo you wonder about your options for living abroad in retirement? Are you ready for change but need to know everything you need to keep your benefits? In this podcast episode, Joe Curry, CFPⓇ, CHS, joins Micah to delve into the intricate details of retiring abroad. The episode serves as a comprehensive guide for individuals considering the move, covering various challenges and considerations that arise when relocating for retirement. Get valuable advice and insightful perspectives, from the complexities of financial planning across international borders to the nuances of healthcare options. Whether you're contemplating a move abr...2023-08-2831 minPlan Your Federal Retirement PodcastEp #83: Dual Feds FEHB RulesIn this episode of Plan Your Federal Retirement Podcast, Micah and Jamie discuss the Federal Employee Health Benefits (FEHB) and how it is an excellent benefit for federal employees, allowing them to keep health insurance into retirement. But most importantly, they dive into the rules for dual Feds, which refers to a married couple where both are federal employees. Find out what actions you should take to keep FEHB in retirement and why reviewing your health insurance options during Open Season is so important. https://bit.ly/3YrhjwI2023-08-1417 minPlan Your Federal Retirement PodcastEp #82: HR - Are they RIGHT or WRONG?Are you a federal employee planning for retirement? Do you know that negative outcomes can be prevented if only you know how to find the correct information and understand all the pieces of the Federal Retirement puzzle? But… what if the information you get from HR or OPM is different than what you think is right? How to verify if it is correct or not? Tune in to this podcast with Jamie and Micah as they discuss the importance of understanding the rules and regulations for federal employee retirement. Hear the real-life examples of clients who received in...2023-07-3128 minPlan Your Federal Retirement PodcastEp #81: What To Have In Savings?How many months’ worth of living expenses do you need to have saved up and why? Do you have emergency (911 account) reserves? These questions bother a lot of people. But, the fundamental question for each of us is: What should we have in savings? If you want to know what experts will advise you, tune in to today’s podcast, where Micah and Floyd discuss the importance of emergency funds for working and retired individuals. Find out why you should be intentional about saving and separating different accounts for different purposes and why you should cons...2023-07-1726 minPlan Your Federal Retirement Podcast#80: FERS Supplement Details The FERS supplement is a great benefit of your FERS retirement package. This supplement is available to federal employees who retire before age 62 and is a substitute for social security. The amount of the supplement is calculated using the same formula as Social Security, but it is unique to each employee. It's designed to create a social security piece of retirement that needs to be added for those who retire before the age of 62. But do you know what can reduce this supplement or even terminate it? Join today's Micah and Tammy discussion and find y...2023-07-0333 minPlan Your Federal Retirement PodcastEp #79: 7 Things You Can NOT Do in TSP in RetirementRetirement can be challenging, especially when it comes to managing your finances. One of the biggest mistakes you can make is assuming you can do anything you want with your thrift savings plan (TSP) after retirement. As a federal employee, you have phenomenal benefits, but as with any other tool, they have strengths and weaknesses. Knowing them can save you lots of money! Tune in to today’s episode, where Micah and Tammy are sharing the seven things you cannot do with your TSP in retirement and will help you understand the rules governing your TSP in re...2023-06-1933 minPlan Your Federal Retirement PodcastEp #78: Transitioning to RetirementYou are getting closer to retirement, but specific tasks must be completed to enjoy it thoroughly. You'll need to take care of all paperwork, or at least have copies of everything, a few months before retirement and a few months after the process starts, and make sure that all questions concerning service history have been answered. You should contact the human resources department, get an update on any electronic personnel records, and make sure that any beneficiary designations and health and life insurance election forms are completed. Also, before you turn it on, double-check everything. Micah and...2023-06-0535 minPlan Your Federal Retirement PodcastEp #77: Withdrawals in Retirement You've been working and saving and planning for your retirement. And when you retire, you go through a psychological shift from accumulation to distribution. Here lies the importance of understanding your federal benefits and the best way to use them! The TSP is a phenomenal tool; your federal benefits, your pensions are phenomenal. Your health insurance is an outstanding tool. But is it perfect? No. There are gaps in these things, and we want to bring your attention to understanding how your tool set works. So they can be built for your retirement and never ou...2023-05-2232 minPlan Your Federal Retirement PodcastEp #76: Streams of IncomeCashflow is the heartbeat of retirement, so you have to know the details of your income streams, the theory, and the reality behind some of your incomes. This way - you can work on your plan. The more we plan and apply, the easier and the more successful the retirement will be. We all know the three stools major of retirement - estate planning, cash flow, and social security. But what about the other income types? Whether it's rental properties, investments, or pensions, it's all part of that financial puzzle. Listen in as Floyd and Micah d...2023-05-0834 minPlan Your Federal Retirement PodcastEp #75: The Importance of Building a Financial Plan Setting goals and mapping a strategy - these are the ground rules for taking the action in your hands! No, you don't have to be precise or super accurate - we know things change, but navigating towards a point helps you reach the correct destination when sailing. Join today's discussion between two industry legends - Micah and Floyd Shilanski, where they reveal the most common mistakes you can make while planning for retirement and why they happen. Then, find out about the five areas of cash planning so you can be aware of your cash flow and...2023-04-2431 minPlan Your Federal Retirement PodcastEp #74: Choosing the best Retirement PlanOne of the most essential and fundamental questions is choosing the right federal retirement plan! Do you know how much you should save for your retirement? Are you being realistic with your intentions and expectations? Do you have a retirement income? And what if there is a gap... is there a way to solve it? Listen in as Micah and Tammy dive into the details of making the right decisions and the most important things you should pay attention to! http://bit.ly/40MkRu32023-04-1037 minPlan Your Federal Retirement PodcastEp #73: Costly Mistakes Net vs. Gross income. Which one hits the door of your bank account? Changes regarding insurance? Life insurance, health insurance... Any different kinds of SCD and any tips on taxes? Do you know all these rules and details you should consider while planning your retirement? We hope you get the most out of your benefits, so today, we cover some of the costly mistakes we see Federal Employees make. Listen in as Micah Shilanski and Christian Sakamoto point out these mistakes and learn how to avoid them! 2023-03-2728 minPlan Your Federal Retirement PodcastEp #72: Criminal Issues with Health Insurance and Survival Benefits Accidents happen, but some come with severe consequences. For example, when covering someone with your HSA that you shouldn't cover, you can face severe penalties! That is why in today's episode, Tammy and Micah cover some fraudulent issues that can come up with health insurance and survivor benefits. Listen in as they explain how to make sure you are making the right decisions and determine who is eligible to go under your health insurance. http://bit.ly/3ZCU6aU2023-03-1334 minPlan Your Federal Retirement PodcastEp #71: Secure Act 2.0 with Steven JarvisChanges are happening, and questions have been raised! That is why we have a special guest in today's episode - Steven Jarvis, CPA. Micah and Steven will answer the most common question out there these days and clear out all of your confusion. Join us and find out what is the Secure Act 2.0, and why does it matter? http://bit.ly/41j402z2023-02-2731 minPlan Your Federal Retirement PodcastEp #70: Changes in Planning Over The Years, Social SecurityThe 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 can use and learn when you can vs. when you "should" apply for your social security. Listen to what Floyd and Micah say about Social Security and how to make the best of it! http://bit.ly/3YgT8jU2023-02-1327 minPlan Your Federal Retirement PodcastEp #69: Sick Leave for RetirementIt is crucial to be hyper-intentional when it comes to your retirement! How big of a change can make your sick leave? And how important is this subject in choosing the best day for your retirement? In this episode, we detail some tweaks you can make to your retirement plan to get all the benefits you earned. Do you know how sick leave can affect your retirement calculations? Join Christian and Micah in clearing out the difference between the annual leave concept versus retiring with sick leave. When you retire and have annual leave hours, y...2023-01-3022 minPlan Your Federal Retirement PodcastEp #68: Social Security Increase and Cash FlowWhether 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 following the old rules - you need to know the significant changes in the tax code regarding IRAs and inheriting IRAs. But don't worry. We've got you covered! We know that cash flow is the heartbeat of Retirement, so in our latest episode, Christian and Micah go through the...2023-01-1626 min
Plan Your Federal Retirement PodcastEp #64: Spending Money in RetirementChristian 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 actually get down to the nitty gritty budgeting details with their clients when it comes to retirement. Listen in as Micah and Christian dish out tips for better understanding your cash flow and creating a better budget that actually works and sticks. You can find all sh...2022-11-0720 min
Plan Your Federal Retirement PodcastEp #63: When Your TSP is Down 25%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 key things they’re discussing with clients and how they use this transitional season to ensure everyone is on the right track. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/63 2022-10-2429 min
Plan Your Federal Retirement PodcastEp #62: Mistakes To Avoid When A Federal Employee Passes AwayThe effects of inaccurate information can be devastating, and there’s a lot of questionable information out there. So, in this episode, Micah and Tammy discuss some important things to be aware of when it comes to a Federal employee passing away. They both draw from some recent situations they have had to help clients through and share tips on how to avoid common mistakes. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/62 2022-10-1038 min
Plan Your Federal Retirement PodcastEp #61: Estate PlanningToday 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 don't miss this episode, where you will hear about how estate planning specifically affects federal employees and where to start. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/61 2022-09-2647 min
Plan Your Federal Retirement PodcastEp #60: Pros and cons of Federal EmploymentMisdirected advice can often be the most costly advice. So when we get advice, it’s important to hit pause to make sure it makes sense for you. If you’re in a place where you’re weighing the pros and cons of leaving federal service, don't miss this episode. Tammy and Micah unpack many of the most important things you need to know in order to make a secure decision on when to leave service. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/60 2022-09-1233 minPlan Your Federal Retirement PodcastEp #58: Roth conversion optionsHave you noticed that the markets are down? Did you know there are some key opportunities to look into when this happens? Well, it just so happens that a phenomenal financial advisor, Christian Sakamoto, is joining the show today to chat with Micah about looking into doing Roth conversions. Listen in as Christian shares key insight on tax diversification and how to set yourself up to be in the best situation no matter what the tax rates are. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/582022-08-1528 minPlan Your Federal Retirement PodcastEp #57: The Myths Before RetirementSometimes there are misconceptions we have that lead to big mistakes before retirement—and they all stem from one main problem. In this episode, Micah and Tammy discuss some of the biggest pre-retirement mistakes people make and how you can put a plan in place that allows you to avoid making them. Listen in as they share the importance of having an accurate understanding of what you have and what you want, as well as insight on how to bring those two together. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/572022-08-0132 min
Plan Your Federal Retirement PodcastEp #56: Moving Investments Into Your TSPMany people want to move investments into or out of their TSP, and there are a lot of questions surrounding this lately. Listen in as Micah and Tammy bring up some of the most common questions and dive into what you need to know in order to make solid decisions regarding your TSP. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/562022-07-1825 min
Plan Your Federal Retirement PodcastEp #54: Bad AdviceMicah and Tammy have been seeing lots of mistakes and missteps happening lately, with more people reaching out to see whether they were wrong or right—and often having to find ways to fix the things that weren’t right. So in today's episode, they're jumping in to address a few of the situations they have been dealing with and share insight into how you can avoid mistakes and bad advice. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/54 2022-06-2034 min
Plan Your Federal Retirement PodcastEp #53: To Buy or Not To Buy Your Military Time BackThe question of whether to buy back military time is something that affects a lot of people. This episode features Christian Sakamoto, a great advisor from our office who has valuable insight to share on this topic. Today, he and Micah discuss the key areas that you need to be aware of to decide whether buying back your time makes sense for you. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/532022-06-0622 min
Plan Your Federal Retirement PodcastEp #52: How Much Do You Want to Spend in Retirement?How do you achieve retirement dreams and get an income that you can’t outlive in retirement? Micah is flying solo in today’s podcast to answer this indirect question that he gets when meeting with clients. He discusses how to decide what you want to spend in retirement and shares the tools he uses to help people plan for that. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/522022-05-2319 min
Plan Your Federal Retirement PodcastEp #47: Myths about CPA’s and Tax PreparationIn this episode, Micah is joined by a special guest who will shed light on some myths and misconceptions that you may be dealing with while doing your taxes this year. Steven Jarvis is a CPA and the cohost of the Retirement Tax Podcast, and he’s just who we need on the show this time of year to share his insight and help you more easily navigate tax season. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/472022-03-1434 min
Plan Your Federal Retirement PodcastEp #46: When Your Retirement Is Off, What Do You Do?When it’s time for that little blue book to arrive, it’s important not to just file it away. Today, Micah and Tammy share what this little book is and how you can use it to review your retirement benefits. You will learn why it’s so key to ensuring your retirement is on track and also a valuable tool to use when something seems "off" about your retirement benefits. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/462022-02-2835 min
Plan Your Federal Retirement PodcastEp #45: LTC - What You Need To Know And Avoid!As people get ready to retire, questions about long-term care often start coming up. Although it may not be the most fun subject, it’s a great one to have a solid understanding of and plan for. So, in this episode, Tammy and Micah let you in on the things you most need to know about LTC, as well as things you should avoid. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/452022-02-1435 min
Plan Your Federal Retirement PodcastEp #44: No Love Like Survivor Benefits (Heart)Now that we’re in February, we're going to call this episode "the love episode"—and there’s no love like survivor benefits. So today, Micah and Tammy discuss important planning decisions when it comes to retiring as a couple and planning for post-retirement transitions. You will also get a great look into survivor benefits, including what you should be looking out for and thinking about to allow that process to go smoothly. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/442022-01-3141 min
Plan Your Federal Retirement PodcastEp #43: TSP Withdraw PlansSometimes we get so caught up on end-of-the-year stuff that things can easily be missed or slip by us if we’re not careful. Tammy and Micah thought through what some of these things might be and came up with a list that will help you plan ahead when it comes to the TSP in particular. Instead of focusing on distribution rules, they’ll be talking about how you can really focus on figuring out the best time to do some of these things. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/432022-01-1733 min
Plan Your Federal Retirement PodcastEp #42: New Year Planning (Finance and Fitness: The Two Things You Won’t Do :) )It’s a new year, and Tammy and Micah are here to talk about some of the things that have changed, some of the things that might change in 2022, and what you can do to maximize your retirement. They will be going through some notable areas that will need your attention in order to ensure that you are on track for your retirement. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/422022-01-0339 min
Plan Your Federal Retirement PodcastEp #41: TSP & Market Volatility: Part 4 - Q & AIn this episode, Tammy and Micah continue with the insights into TSP series and answer some great questions from active TSP participants. Whether you are deciding at what age to take Social Security, wanting to calculate a FERS pension, or trying to find the best savings and growth plans in retirement, this episode is for you. Not only will they be addressing these specific topics, but they will also provide insight into how the answers can affect you, as well. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/412021-12-2018 min
Plan Your Federal Retirement PodcastEp #40: TSP & Market Volatility: Part 3 - Silver LiningsIn this mini-series, Micah and Tammy have been talking about your TSP during a time of volatility and the strategies you can implement to encourage growth and stability at all times. (If you haven’t yet, check out the previous two episodes where they answer questions about TSP in retirement and outline the bucket strategy.) This third episode is all about the silver linings and great changes the TSP has made and why it is such a great wealth-building investment tool. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/402021-12-0624 min
Plan Your Federal Retirement PodcastEp #39: TSP & Market Volatility: Part 2 - BucketsToday, Tammy and Micah continue to address questions they’ve been receiving regarding your TSP and market volatility. In this second part of the series, they will focus on giving insight into the strategies they use when planning. (If you haven’t tuned in to the first part, head back to check out episode 38 before jumping into this one!) You can find all show notes for this episode at: https://plan-your-federal-retirement.com/392021-11-2225 min
Plan Your Federal Retirement PodcastEp #38: TSP and Market Volatility: Part 1 - Markets Go Down...Now What?How are things going to unfold when it comes to your Thrift Savings Plan (TSP) account? Tammy and Micah have been getting a flood of questions related to this lately, so today—and for the next few episodes—they’ll be giving you access to a webinar they did on this topic. Over this 4-part series, you’ll learn about how the TSP works, what to do when it goes down in value, and more. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/382021-11-1026 min
Plan Your Federal Retirement PodcastEp #37: Non Voluntary vs Voluntary SeparationRight now, the entire world revolves around COVID—even more so with executive orders and rules that are requiring employees to get the vaccine by the end of November. Micah and Tammy have gotten quite a few questions about how this situation might play out in terms of federal benefits, so today they’ll be discussing the differences between non voluntary and voluntary separation, as well as what financial and benefit effects the vaccine mandates have with your employment. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/372021-10-2528 min
Plan Your Federal Retirement PodcastEp #36: Medicare Advantage Within and Outside of FEHBAt 65, something happens to all of us where we have this forced decision that we have to deal with when it comes to Medicare—and it opens up a few more options. There are a lot of rumors about Medicare that go around (some true, some not true), so facing plan changes and all the uncertainties can be a bit overwhelming. Today, Micah and Tammy get into some of the most important parts of this key decision so you will have a better idea of how to plan for when that time comes. You can find all sh...2021-10-1131 min
Plan Your Federal Retirement PodcastEp #35: Social Security, COLA, TSPToday, Micah and Tammy are picking up where they left off in the last episode and discussing Social Security COLA and your TSP COLA. They'll be sharing how those two things work together, as well as how you can plan for them to serve you best. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/352021-09-2732 min
Plan Your Federal Retirement PodcastEp #34: COLA vs. Pay IncreaseMany people are under the wrong impression when it comes to retirement, COLA, and pay increases. Once the numbers are run, things are rarely as rosy as they may have seemed during planning. So today, Micah and Tammy will be addressing this and a few other additional misconceptions people have when planning their retirement. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/342021-09-1329 min
Plan Your Federal Retirement PodcastEp #33: Risks in RetirementWhen preparing for retirement, it's important to plan for flexibility. There are a number of post-retirement risks that can upend the most precisely laid-out retirement plans, and the longer the retirement period grows, the harder it is to be certain you have planned accordingly with your assets. So, in this episode, Micah and Tammy will be sharing several misconceptions around the risk of retirement, as well as the actual risks and the potential impact they may have on your financial future. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/33 2021-08-3036 min
Plan Your Federal Retirement PodcastEp #31: Derailing Your RetirementWhen it comes to retirement, there is an overwhelming amount of incomplete or incorrect information on the internet purported as fact. The truth is, you don’t know what you don’t know, so it can be easy to overlook these misconceptions and accept them as truth. In this episode, Micah and Tammy will be sharing some insights into things you can look at before you retire to ensure your path to a clear and relaxed future. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/31 2021-07-1925 min
Plan Your Federal Retirement PodcastEp #30: Why Mid-Career Is the MOST Important TimeThere is so much misinformation out there, and sometimes, it is important to simply get back to basics and ensure your information is correct. So in this episode, Micah and Tammy will be going over the fundamentals of retirement, focusing on how things may change from individual to individual and the different choices that may affect your specific case. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/30 2021-07-1226 min
Plan Your Federal Retirement PodcastEp #29: The Questions You Should Have AskedWill a form for retirement be sent to you, or do you have to request that form? Can you transfer money from a traditional TSP to a Roth TSP—and will there be penalties? These are just some of the things that Micah and Tammy will be covering in today’s episode as they reply to questions sent in by you, the listeners. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/29 2021-07-0535 min
Plan Your Federal Retirement PodcastEp #28: Court Orders That Can Half Your RetirementDivorce is generally not a fun topic, but when you are considering retirement, it is a necessary discussion to have. For many people, the terms and conditions of a divorce can come back to haunt them—even decades later—if they are not completely settled upon in the beginning. So in this episode, Micah and Tammy will be discussing divorce and how to understand all the legal language within a court order so you can avoid any financial shocks later in life. You can find all show notes for this episode at: https://plan-your-federal-retirement.com/28 2021-06-2132 min
Plan Your Federal Retirement PodcastEp #27: TSP and Social SecurityAre you wondering what to do about your social security or how to go about taking money from your TSP? If so, this episode is for you! Today, Micah and Tammy chat about how to balance social security and TSP so you get the most benefit. You’ll also learn what things you need to be aware of in order to get the most out of your benefits and make a plan for how to cash in on them properly. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/27 2021-06-1429 min
Plan Your Federal Retirement PodcastEp #25: Why Life Events MatterIt’s the little details that can really trip you up, so Tammy and Micah share specific areas and situations they’ve noticed clients having trouble with and how you can avoid those issues. As the title hints, life events are a key area where many people do not do enough planning or strategy and in the long run, it hurts them. You will get insight on the types of life events that are most important, how to plan for them and what to watch out for so that you’re set up for success. You can find s...2021-05-2433 min
Plan Your Federal Retirement PodcastEp #24: How Much Life Insurance Do You Need?With so many misconceptions around life insurance, it can be hard to determine the appropriate plan or amount for your needs. Unfortunately, there are some people in the financial business that believe it is a one size fits all service, however that is not the case. So where do you begin? In this episode, Micah and Tammy will be dispelling some of these myths as well as explaining exactly how life insurance works - including how much you need, how long to keep it and how to simplify the situation. You can find show notes and more...2021-05-1737 min
Plan Your Federal Retirement PodcastEp #23: Best Day to RetireWith more retirement planning and with every year that retirement gets closer, the question is often asked, “What day is best to retire?” Tammy and Micah sit down to set the record straight when it comes to choosing a retirement date. They share how people tend to focus on maximizing benefits and where else you might want to put your focus when making decisions on retirement timing. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/23 2021-05-1036 min
Plan Your Federal Retirement PodcastEp #22: Estate Planning and TSP QuirksDo you have a plan put in place for who will inherit your assets after your demise? Many people are solely focused on increasing their assets whilst they are still alive, but often forget about securing who it will all go to when they are gone. In this episode, Micah and Tammy will be discussing the documents that ever person over the age of 18 should absolutely have, as well as several documents that are optional but will improve your estate planning in the long run. You can find show notes and more information by clicking here: https...2021-05-0337 min
Plan Your Federal Retirement PodcastEp #21: The Years After You RetireEnsuring you have met your savings goals during your retirement planning is incredibly important, but it is just one of many things to consider. Unfortunately, retirement planning doesn’t stop when you retire, and it’s important to make sure you’ll be able to maintain your goals once you have retired. So in this episode, Micah and Tammy will be going over the next steps after your transition out of work, including the dates to be aware of and planning opportunities that may come up. You can find show notes and more information by clicking here: https...2021-04-1932 min
Plan Your Federal Retirement PodcastEp #20: Phase of Retirement - The Year of RetirementWhen it comes to your retirement, it can be a very stressful time—or it can be a very smooth transition. It really comes down to what planning you have put in place to set yourself up for success. In this episode, Micah and Tammy will be sharing the practices you must have in place the year of retirement in order to ensure you can segue out of your working life with confidence. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/20 2021-04-0532 min
Plan Your Federal Retirement PodcastEp #19: Phase of Retirement - 5 Years Out From RetirementWhen we consider retirement, most of us think about this chapter in our lives as a positive time—and it can be, as long as we are fully prepared. So today, Micah and Tammy will be discussing all the measurements to put in place as you approach your retirement. They will be sharing how to ensure your loved ones are protected through insurance, as well as the courses you can take to better understand your benefits. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/19 2021-03-2234 min
Plan Your Federal Retirement PodcastEp #18: Phase of Retirement – 10 Years Out From RetirementWhen you are planning for your retirement, there are a lot of different areas you need to be aware of financially, and it can be an overwhelming amount of information to take in at once. So today, Tammy and Micah will be discussing the key factors to keep an eye on when you are 5-10 years out from retirement, including pensions, health insurance, and more. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/18 2021-03-0829 min
Plan Your Federal Retirement PodcastEp #17: TaxesTax season is upon us, and for many, it is a scary time. With so many opinions floating around, it is hard to decipher between what is fact and what is simply a misconception. So today Tammy and Micah will be discussing common mistakes made when it comes to taxes and how to avoid them this year. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/17 2021-02-2229 min
Plan Your Federal Retirement PodcastEp #16: What’s My Pension Worth?Does it make sense to stay a full thirty years in the federal government just to receive a better pension? Ten years (or more) before retirement, many employees begin to question whether it is worth remaining in their positions or if they should try something new. In this episode, Micah and Tammy discuss what your pension is worth and the rules around retirement eligibility. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/16 2021-02-0825 min
Plan Your Federal Retirement PodcastEp #15: New Year’s HabitsThere is so much that we can’t control, and it’s easy to focus on those things and feel helpless to stop them. But in this episode, we’re flipping the narrative and focusing on the things we can control in our personal lives that can really make an impact on your retirement plan. Listen in to find out some of the small but neat changes that are coming into effect this year, and how you can apply or leverage these changes to positively impact your retirement strategy. Micah and Tammy will be talking all about the sm...2021-01-1832 min
Plan Your Federal Retirement PodcastEp #14: With Special Guest Mary Beth FranklinMary Beth Franklin is our go-to expert for all things Social Security benefits. With over 40 years as a financial journalist and a CFP designation, she has a wealth of knowledge and understands Social Security from the financial planning point of view. She is a contributing editor at InvestmentNews, an author, and an in-demand speaker and frequent guest on numerous radio and television programs. Listen in as she joins Micah and Tammy today to discuss the best strategy for taking your Social Security benefits, why you may want to consider waiting before pulling them, and how your marriage...2021-01-0442 min
Plan Your Federal Retirement PodcastEp #13: MailbagWhat kind of protection does the spouse of a federal employee have? Does everyone need insurance—and how is it beneficial? In this episode, Tammy and Micah answer frequently asked questions sent in by listeners, addressing everything from survivor benefits to your high-3. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/13 2020-12-2140 min
Plan Your Federal Retirement PodcastEp #12: Finding the Right PlannerToday Micah’s sister, Jamie Shilanski, joins the show to talk about financial planning and the inconsistent advice that many people are hearing regarding their finances. Jamie is also an awesome advisor based in Alaska, and she has great insight and stories to share that will help you find the right advisor and make an effective plan. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/12 2020-12-0732 min
Plan Your Federal Retirement PodcastEp #11: Should I Stay or Should I Go?When is the right time to retire? And what are the different options as a federal employee? While everyone wants to retire early, the fact is the “perfect time” is different for everyone. So in this episode, Micah and Tammy share how to prepare yourself, as well as your spouse, for your retirement and the steps you need to take to ensure a smooth transition. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/11 2020-11-2334 min
Plan Your Federal Retirement PodcastEp #10: FEHB and Medicare in Open SeasonWe’re on the brink of another open season, so today Micah and Tammy are sharing the information you need to know about this upcoming season. You will learn one of the best benefits you have, how to choose a plan that allows you to take full advantage of your retirement, and what to expect in the next year. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/10 2020-11-0942 min
Plan Your Federal Retirement PodcastEp #8: Q&AToday Micah and Tammy are opening up the mailbag to answer your most burning questions about federal retirement. A few people wrote in asking about their retirement dilemmas, from accessing TSP and early retirement to Roth conversions, social security, widow’s benefits, and more. Listen in as Micah and Tammy share their insight in these areas so you can be prepared and equipped to make the best decisions on your federal retirement plan. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/82020-10-1238 min
Plan Your Federal Retirement PodcastEp #7: The Myth of 80% RetirementToday Micah and Tammy are setting the record straight and dispelling some myths about what you actually need to retire with. There’s a lot of water-cooler talk about the rules of retirement, but do you know how to make the best decisions for your unique situation? Listen in as Micah and Tammy share where to start when thinking about how much you’ll need, as well as the most powerful thing to start learning today to make your retirement strategy work for you. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com...2020-09-2829 minPlan Your Federal Retirement PodcastEp #6: Social Security ClaimingWe hear a lot of people say they want to turn on their social security as soon as possible in order to capitalize on the benefits while they are still available. So today, Tammy and Micah are discussing the misconceptions that lead to this idea, as well as the history of the system and how changes tend to happen. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/6 2020-09-1433 min
Plan Your Federal Retirement PodcastEp #5: What Does Retirement Really Look Like??Everyone looks forward to retirement and the freedom that comes along with no longer being locked down to a job, but what if it isn’t all it’s cracked up to be? Today Micah and Tammy are discussing the common misconceptions of retirement and how to set yourself up for a happy and wealthy retirement. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/5 2020-08-3127 min
Plan Your Federal Retirement PodcastEp #4: Looking at Insurance in RetirementMicah and Tammy have shared their thoughts and experiences with credible services, agency estimates, and other incomes, but what about risk management? In this episode, they will be discussing the different insurance options you have as a federal employee and how to keep that health insurance into retirement. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/4 2020-08-1747 min
Plan Your Federal Retirement PodcastEp #3: Other IncomeWhen you retire, it’s not just about having the time to do everything that you want to do—it’s also about having the money to make these dreams come true. So in this episode, Tammy and Micah will be focusing on the “other incomes” that you have access to and discussing the important decisions surrounding these incomes. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/3 2020-08-0339 min
Plan Your Federal Retirement PodcastEp #2: What's NOT On Your Retirement Estimate?To have a comfortable and enjoyable retirement, you need a financial safety net to fund it all. So when you are planning for the rest of your life, how much money are you actually going to have? Today Micah and Tammy are discussing retirement estimates and how to accurately calculate what your pension will be. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/2 2020-07-2334 min
Plan Your Federal Retirement PodcastEp #1: What's On Your Retirement Estimate?Welcome to the FERS Retirement Podcast, where Certified Financial Planner Micah Shilanski and Principal Retirement Specialist Tammy Flanagan come together to ensure you are making informed decisions as you plan for your retirement. Each week, you will hear them share the unique financial planning considerations that federal employees have that may not be addressed in generic financial planning. You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/1 2020-06-1635 min