Claim OwnershipPlan Your Federal Retirement Podcast
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Financial Planner and benefits experts discuss the intricacies of
the Federal Employee Retirement System. This real world experience allows these benefits experts to address questions they are most frequently asked by Feds as well as Human Resource departments on how benefits work.
the Federal Employee Retirement System. This real world experience allows these benefits experts to address questions they are most frequently asked by Feds as well as Human Resource departments on how benefits work.
419 Episodes
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Are you a federal employee who also served in the military? Did you know you can buy back your military time to boost your FERS pension and even retire earlier? In this episode of All About FERS, John walks you through everything you need to know about military buyback, including: ✅ What buying back military time really means ✅ How the cost is calculated (and why timing matters) ✅ The powerful benefits ✅ When it might not make sense to buy back your time ✅ Step-by-step guidance on how to start the process For many federal employees, this can be one of the smartest financial moves you ever make, but there are exceptions. Don’t miss this ultimate guide to making an informed decision.
Healthcare is one of the most important, and often most confusing, parts of retirement. For federal employees, the combination of Medicare and FEHB (Federal Employees Health Benefits) adds unique rules, costs, and opportunities. In this episode of Plan Your Federal Retirement, Micah and John break down the myths, penalties, and strategies you need to know. From eligibility requirements to coordinating Medicare and FEHB, this conversation will help you make informed decisions that could save you thousands of dollars and protect your long-term retirement security. https://zurl.co/w091M
1Can you buy back your military time and still keep your military retirement pay? 🤔 That’s exactly what Walt, a retired Air Force Veteran and combat-injured, wanted to know. In this episode of the FERS Federal Fact Check, Micah will help you understand: The common rule for military buyback and retirement pay The exception for combat-related disabilities Why documentation is absolutely critical Steps you should take before you retire If you’ve served in the Armed Forces and are now under FERS, this episode is a must-listen. https://zurl.co/YKs4a
Social Security and Medicare are two of the most important benefits you’ll rely on in retirement, but they don’t always start at the same time, and the rules can get confusing. In this episode, Christian Sakamoto answers a listener’s question, and he will walk you through: When you can claim Social Security vs. when you’re eligible for Medicare Whether Medicare enrollment happens automatically How premiums are deducted from Social Security The penalties for late Medicare enrollment What to know if you’re still working and covered under FEHB If you’re a federal employee preparing for retirement, you won’t want to miss this breakdown.
Are you approaching retirement and wondering how Medicare fits in with your Federal Employees Health Benefits (FEHB)? You’re not alone! In this episode of All About FERS, John breaks down the step-by-step process of enrolling in Medicare as a federal employee. Tune in and learn: ✅ When to enroll in Medicare and how to avoid costly penalties ✅ How Medicare coordinates with your FEHB coverage ✅ Which parts of Medicare federal retirees typically need (and which they don’t) ✅ Common mistakes to avoid ✅ How to review costs and reevaluate during Open Season Don’t leave your retirement health coverage to chance; get the straightforward answers you need so you can retire with confidence.
Social Security is one of the most misunderstood parts of retirement planning. For federal employees and their families, it’s not about whether to take it early or late; it’s about how to coordinate Social Security with your pension, TSP, survivor benefits, and taxes. In this episode, Micah and advisor John share real-life client experiences and dive into: The Pros and Cons of Claiming at 62 vs. Waiting Until 70 Survivor benefits and why early decisions matter. How Social Security interacts with your overall retirement cash flow. What pending legislation could mean for your FERS supplement. Practical strategies to avoid common mistakes. Listen now and get the clarity you need to make Social Security a strong part of your retirement plan. https://zurl.co/cmYMV
Did you know that the way you claim Social Security could cost you tens of thousands of dollars over your lifetime? In this episode of All About FERS, Christian breaks down the most common mistakes federal employees (and retirees) make with Social Security and how to avoid them.
Are you a year away from retirement? The final 12 months before you retire from federal service are some of the most exciting — and most critical — months of your career. This is when decisions get real, timelines matter, and small mistakes can cost you big in the long run. In this episode, Micah and Floyd share their proven, month-by-month approach to making your last year as smooth and stress-free as possible. https://zurl.co/HFGzV
What age can I start collecting Social Security retirement benefits? What is my full retirement age, and how does it change if I delay or file early? - Jerry https://zurl.co/RF4zt
Your FEHB is one of your most valuable benefits, so you need to make sure you’re making the best decisions for your retirement! In this episode of "All About FERS," John shares vital tips on how to maximize your FEHB when you retire. Tune in to learn about eligibility, Medicare coordination, survivor benefits, and strategic planning methods that can save you money while ensuring your healthcare coverage is protected. Whether you're nearing retirement or just beginning to plan, this video serves as your comprehensive guide to optimizing your federal health benefits. Don't miss these insider tips that could significantly impact your retirement healthcare strategy!
What does real retirement readiness look like? In this episode, Micah is joined by his father and mentor, Floyd, to reveal the most overlooked aspects of retirement planning that can cause major regrets later. Drawing from years of experience, they share essential insights on mental readiness, investment strategies, the Retirement Service Computation Date (RSCD), aging-in-place planning, and cash flow management. Whether you’re five years out or just around the corner from retirement, this episode will help you assess your current plan and take actionable steps toward a confident, secure future. https://zurl.co/CA3pD
Hello, my name is Gerald. I have a question. I’m a few years out from retiremen, how can I be sure I’m financially ready to stop working when the time comes? What to consider? Thank you. - Gerald https://zurl.co/r3vPO
When planning your retirement from the federal government, small mistakes can lead to BIG problems, like delays, reduced pensions, or even being told you don’t have enough service time to retire!
The federal retirement process is evolving—paper applications are being replaced by the new Online Retirement Application (ORA)! In this episode, Micah and Tammy bring their decades of expertise to help you confidently understand the new Online Retirement Application (ORA), address fears surrounding recent legislative proposals, and provide crucial insights into navigating retirement benefits. Discover the transition from paper to online retirement applications, understand why emotional decisions can be costly, and get expert advice on making the most of your federal benefits. https://zurl.co/K7RZI
Are you really ready for retirement? In this episode, John explores what it takes - financially and mentally - to step into retirement with confidence. From understanding your income and taxes, to preparing for lifestyle changes, to navigating the emotional shift, this is more than just a checklist. It’s about creating a life you’re excited to live every day!
Are today’s market swings making you nervous about your retirement? You’re not alone but the good news is, there are steps you can take to feel confident and in control. Tune in and learn how to build a resilient plan with cash reserves & smart spending, avoid common tax mistakes (like getting blindsided by RMDs), find out how to protect your TSP & investments from market risk, and discover why creating a “boring” plan frees you to enjoy the exciting parts of life. Whether you’re approaching retirement or just getting started, this episode is full of actionable tips to help you focus on what you can control - and stop worrying about what you can’t. https://zurl.co/z3PQ1
I have 2 years state retirement contributions, 10 years military (7 years federal 3 years guard). Can I combine state and federal retirement contributions? Do I have to be a current federal employee to participate in the buyback program? Can reserve military service retirement points be used? - Tee https://zurl.co/Q6XcK
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