Jeff Roediger -- Replacing Wall Street With Main Street

In Chapter 11 of The Informed Fed, “Understanding Required Minimum Distributions (RMDs),” Jeffrey Roediger and Bryant Stone break down RMD rules, recent changes under Secure Act 2.0, and strategies like Roth conversions to reduce tax burdens and maximize retirement savings.To order the book: https://a.co/d/gdQclm6To schedule a consultation with Bryant Stone: https://go.oncehub.com/consultation3For additional resources for the federal employee, visit www.myfeduniversity.comBryant.Stone@toprankadvisors.com(919) 300-5870

Learn how to navigate the 2025 TSP and tax changes with actionable strategies to maximize your retirement benefits. This webinar covers the new $11,250 catch-up contribution for ages 60-63, the difference between marginal and effective tax rates, and the significant tax savings possible with Roth conversions—like one example saving $480,000! You'll also discover how to align Social Security, pension, and TSP distributions to minimize tax liabilities. Watch now to gain insights and take control of your financial future!Schedule with our team to review your plan: https://go.oncehub.com/consultation2 or call (800) 570-1852Visit the site www.myfeduniversity.com to find more resources.

In Chapter 10 of The Informed Fed, "Thrift Savings Plan (TSP) Modernization Act of 2017," Jeffrey Roediger and Bryant Stone explore the Act's transformative updates. These include allowing up to four partial withdrawals annually, removing the 30-day waiting period, enabling withdrawal from specific account types, and offering flexible payment schedules. They compare these changes to the prior restriction of one partial withdrawal post-age 59.5 and highlight how funds can now remain invested indefinitely. The chapter underscores the importance of these enhancements and the value of professional advice in optimizing TSP strategies and retirement planning.To order the book: https://a.co/d/gdQclm6To schedule a consultation with Bryant Stone: https://go.oncehub.com/consultation3For additional resources for the federal employee, visit www.myfeduniversity.comBryant.Stone@toprankadvisors.com(919) 300-5870

In Chapter 9 of The Informed Fed, titled "Roth vs. Traditional TSP," Jeffrey Roediger and Bryant Stone break down the key differences between these two Thrift Savings Plan options for federal employees. They explain that Roth TSP contributions are taxed upfront but grow tax-free, while traditional TSP contributions are tax-deferred until withdrawal, allowing immediate tax savings. The duo emphasizes that TSP offers higher contribution limits compared to IRAs, with no income restrictions, making it a powerful tool for federal workers. With potential future tax hikes, Bryant suggests Roth TSP could be more beneficial for many employees. Both hosts stress that financial planning is an ongoing process, especially in light of changing tax laws, and encourage listeners to regularly consult with financial advisors to maximize their retirement strategy.To order the book: https://a.co/d/gdQclm6To schedule a consultation with Bryant Stone: https://go.oncehub.com/consultation3For additional resources for the federal employee, visit www.myfeduniversity.comBryant.Stone@toprankadvisors.com(919) 300-5870

In Chapter 8 of The Informed Fed, titled "Maxing Your Retirement Income," Jeffrey Roediger and Bryant Stone delve into strategies for optimizing federal retirement benefits. They discuss the crucial role of the 5% match in the Thrift Savings Plan (TSP) and offer insights on how to make the most of TSP allocations. Bryant underscores the impact of timing retirement at age 62 for a higher FERS annuity and the importance of incorporating Social Security into a well-rounded retirement plan. Jeffrey highlights the value of reviewing retirement options and encourages federal employees to consult with Bryant for personalized advice.To order the book: https://a.co/d/gdQclm6To schedule a consultation with Bryant Stone: https://go.oncehub.com/consultation3For additional resources for the federal employee, visit www.myfeduniversity.comBryant.Stone@toprankadvisors.com(919) 300-5870

Jeff Roediger and Jen Trowbridge discuss the crucial topic of estate planning, with a special focus on women, who are often overlooked in this area. Listen in as they explore why it's essential for women to have a comprehensive estate plan, including a healthcare and financial power of attorney. You'll also discover valuable resources to help you establish a trust and tackle important financial questions as you approach retirement. Don't pass up this discussion, designed to empower and equip you with the knowledge you need for your financial future. Visit the site for more on Jen's services: https://jentrowbridge.com/To access the FREE 30-day Estate Planning Trial, visit: https://www.mylegacylock.com/free_trial.php?type=echo&a=JenTrowbridgeTo schedule your complimentary session with Jen: https://go.oncehub.com/JenTrowbridge

Bryant and Jeff explore the key details of retirement pension systems for federal employees, including CSRS, CSRS Offset, and FERS, in Chapter 7 of The Informed Fed, "Retirement Systems Explained." Bryant explains the key differences between these systems, while Jeffrey offers an in-depth look at FERS, underscoring the financial impact of buying back military time. They highlight the significant advantages of consulting a specialized financial advisor to navigate these complex retirement options. The chapter emphasizes the necessity of understanding the various retirement plans and seeking professional guidance to make well-informed decisions.To order the book: https://a.co/d/gdQclm6To schedule a consultation with Bryant Stone: https://go.oncehub.com/consultation3For additional resources for the federal employee, visit www.myfeduniversity.comBryant.Stone@toprankadvisors.com(919) 300-5870

Jeff Roediger and Bryant Stone discuss the importance of planning ahead for federal employee benefits, particularly health insurance and retirement benefits in Chapter 6 of The Informed Fed, "All About Your Health."Understand the different options available, the tax implications of these benefits, and the consequences of failing to plan properly. Bryant highlights the importance of choosing the right survivorship option for FERS annuity, as well as the need to consider Medicare Part B enrollment. It's always important to consult with a knowledgeable professional before making any decisions regarding federal employee benefits.To order the book: https://a.co/d/gdQclm6To schedule a consultation with Bryant Stone: https://go.oncehub.com/consultation3For additional resources for the federal employee, visit www.myfeduniversity.comBryant.Stone@toprankadvisors.com(919) 300-5870

Join financial experts Jeff Roediger and Bryant Stone as they explore Chapter 5 of The Informed Fed, "Thrift Savings Plan (TSP)" Learn about crucial TSP investment strategies and retirement planning tailored for federal employees, including mindset and motivation, tax implications, and common pitfalls to avoid. Discover the proactive approach needed for financial well-being in the federal service, including annual check-ins with a financial advisor. Don't miss out on maximizing your TSP and securing a prosperous retirement as a federal employee.To order the book: https://a.co/d/gdQclm6To schedule a consultation with Bryant Stone: https://go.oncehub.com/consultation3For additional resources for the federal employee, visit www.myfeduniversity.comBryant.Stone@toprankadvisors.com(919) 300-5870

Chapter 4 description: Join Jeff Roediger and financial expert Bryant Stone as they review Chapter 4 of The Informed Fed, "Understanding FEGLI." This discussion explores federal employee benefits, focusing on group life insurance and retirement planning. Learn about FEGLI coverage, compare costs with private insurance, and discover retirement planning strategies tailored for federal employees. Bryant highlights the importance of holistic financial planning and regular check-ins with advisors for a secure financial future in the federal service. Tune in for valuable insights into maximizing benefits and securing your financial well-being.To order the book: https://a.co/d/gdQclm6To schedule a consultation with Bryant Stone: https://go.oncehub.com/consultation3For additional resources for the federal employee, visit www.myfeduniversity.comBryant.Stone@toprankadvisors.com(919) 300-5870

Join Jeff Roediger and financial expert Bryant Stone in their review of Chapter 3 of The Informed Fed, "Earn While You Learn Philosophies." Here they discuss the crucial role of mindset and motivation in the financial success of federal employees. This interview covers holistic financial planning, including retirement options and tax implications, outlines four traps for unprepared federal retirees such as taxes on distributions and state tax liabilities, and common mistakes like misunderstanding insurance premiums and investment options. Bryant stresses the importance of annual check-ins with an advisor for evaluating and adjusting retirement plans, underscoring the proactive approach needed for financial well-being in the federal service. To order the book: https://a.co/d/gdQclm6 To schedule a consultation with Bryant Stone: https://go.oncehub.com/consultation3For additional resources for the federal employee, visit www.myfeduniversity.com Bryant.Stone@toprankadvisors.com (919) 300-5870

Join Jeff Roediger and financial expert Bryant Stone in a dynamic discussion on "Taking a New Perspective on Learning." This chapter explores personal finance for federal employees and the general public, focusing on educating federal workers about their benefits and tailoring financial planning to their unique needs. Explore the various retirement phases and associated financial decisions, gaining valuable insights into the intricate intersection of financial planning and retirement for federal employees. Tune in for a concise yet insightful session that promises to reshape your perspective on learning about finance.To order the book: https://a.co/d/gdQclm6To schedule a consultation with Bryant Stone: https://go.oncehub.com/consultation3For additional resources for the federal employee, visit www.myfeduniversity.comBryant.Stone@toprankadvisors.com(919) 300-5870

Join Jeff Roediger's interview with Bryant Stone as they discuss how to simplify financial education and investing for federal employees, covering Chapter 1 of our book, "The Informed Fed."Gain key insights into benefits, retirement planning, and effective strategies tailored for federal workers. Unpack the complexities of federal employee benefits, explore tailored investment approaches, and crack the code on retirement benefits. Tune in for essential guidance to empower your financial journey in the federal workforce.To order the book: https://a.co/d/gdQclm6To schedule a consultation with Bryant Stone: https://go.oncehub.com/consultation3For additional resources for the federal employee, visit www.myfeduniversity.comBryant.Stone@toprankadvisors.com(919) 300-5870

Join Host Jeff Roediger and Special Guest Butch Patrick as we discuss the five questions you need to answer before finalizing your Estate Plan (Will and Living Trust). "Everyone has an estate plan.... unless you implement your own it is called the "Government's Plan""Regardless of how many assets you have, It is important to control your legacy. 

Join My Guest Financial Fiduciary Ken Orenstein and I as we discuss how to manage your investments with income planning to preserve wealth.Ken will share how he teaches his clients on how to structure their assets into three different types of holdings.   Book a complimentary Session with Ken to get your retirement questions answered here:https://go.oncehub.com/KenOrenstein 

Join Financial Fiduciary and Florida Retirement Specialist Ken Orenstein and Host Jeff Roediger as we discuss the important decisions Florida Public Employees Need to Make Before Retiring.Ken and his team can help you navigate The FRS System to make sure you are educated on  all of the options and decisions that you will need to make before you set your retirement date.

Join Host Jeff Roediger and Special Guest Financial Fiduciary Ken Orenstein as we discuss the five questions you need to answer before finalizing your Estate Plan (Will and Living Trust). "Everyone has an estate plan.... unless you implement your own it is called the "Government's Plan""Regardless of how many assets you have, It is important to control your legacy. 

Join Host Jeff Roediger and Special Guest Financial Adviser and Former Marine Erik Ranberg whose financial practice focuses on Military Service Members,  Veterans, DOD and Federal Employees as we discuss the importance of estate planning. Erik addresses this overlooked area of planning. Whose Plan Do You Want?   The Government's Plan or Your Own Plan?   We Can Help.Sign Up For a 30 Day Trial Estate Planning For Everyone

Join Host Jeff Roediger and Special Guest Financial Adviser, Kathy Fasterling as we discuss how Life Insurance can be used as a great living benefit.Kelly and I discuss these important topics:1.  Why you should "own" life insurance verses "renting" it. 2.  Using Life Insurance Living Benefits to help cover long term care costs3.  Leveraging Life Insurance Death Benefits to allow you to spend down other retirement assets4. Supplemental Retirement Incomeand more.....

Join Jeff Roediger and Guest Host La'Mont Baxter, Financial Adviser and Government Employee Advocate, as we discuss this important and often overlooked area of Financial Planning.  Whose Plan Do You Want?   The Government's Plan or Your Own Plan?   We Can Help.Sign Up For a 30 Day Trial  Estate Planning For Everyone

Join Jeff Roediger and Co- Host Kelly Fasterling as we discuss Long Term Care.   It is very important to understand how it works and what your options are:- Do You Need It? If so, what is the best way to obtain it and fund it.-  Should you consider The Federal Long Term Care (FLTCIP) ? -  How to compare FLTCIP to Alternatives...- Can you afford to purchase it?   Can you afford not to have this benefit?

Join  Host Jeff Roediger and his Guest Financial Fiduciary Bryant Stone as they discuss  this important term "fiduciary" and how it could impact you!Fiduciaries are obligated by law to act in your best interest as they manage your assets or money. Rather than operating out of self-interest (such as recommending insurance policies or investments in pursuit of fees and commissions). We address the following questions:- Why working with a Fiduciary is important- What are the different types of Fiduciary Relationships- How to find out if your "Financial Adviser" is a fiduciaryInvestment advisory services offered through Redhawk Wealth Advisors, Inc., an SEC Registered Investment Advisor. Some Investment Advisor Representatives of Redhawk Wealth Advisors, Inc. may market their advisory services under the name of Polimeni Tax and Financial Group, an unaffiliated and separate legal entity. This email is confidential, does not constitute investment advice, is only for the use of the intended recipient and should not be redistributed, except with the sender's consent. If you received this email in error, please notify us immediately by telephone; receipt by anyone other than the intended recipient is not a waiver of any work product or attorney-client privilege. All email to and from Redhawk Wealth Advisors, Inc. is monitored, stored and made available to regulators if requested.

Join Jeff Roediger and Financial Adviser Kelly Fasterling as we discuss the following in this Chapter:- Health Insurance - FEHB - There are a lot of options pre and post retirement.   Here are some of the questions you need to be thinking about.   Which Carrier?  Is your Spouse (Significant Other) Eligible to Receive to Benefits?  What will your cost be at retirement?-  Fed VIP -  Dental and Vision - Can you keep this plan in retirement? Does the five year rule apply?   What is the cost in retirement to the federal employee? - FEGLI - As federal employees approach Retirement, many do not understand how expensive it can be.   How does it compare to private sector alternatives?  What is the cost to the employee in retirement? How much do you need?  What is the best type of coverage? Join us for this informative session.

Join Host Jeff Roediger and Financial Adviser Tom Muije as we discuss alternatives to Pension annuity survivor payments. Here are the topics we discuss:Clarify: Single vs joint life?Who could be help by a pension maximization strategy?When should you start a pension maximization? Also, go to www.govresource.com and obtain your no cost pension report card.

Join Jeff Roediger and Financial Adviser Larry Prascus as we address these important questions...How does this impact TSP Participants?Can they withdrawal funds?Can they move assets from G Fund to other sub accounts?Listen in as Larry addresses these questions and more... Also, go to www.fedresource.com and Download a complimentary Federal Employee Retirement Workbook.

Join Federal Financial Adviser Kelly Fasterling and Host Jeff Roediger as they discuss the Federal Pension Retirement Systems.We address these important questions:- When can you retire?- What are your Survivor Options?- When is the best day to retire as a Federal Employee?Join us to learn more. You can also obtain a complimentary Federal Retirement Handbook by going to www.fedresource.com

Join Jeff Roediger and Financial Fiduciary Kathleen Sanford for a compelling session on why everyone needs an Estate Plan. When was the last time you updated your Beneficiaries (Pension Survivor/ TSP/401k/403b) ?What about your unused sick leave? Are your Beneficiaries Coordinated with your will?  When was the last time you reviewed your will?Do you have a Living Trust?  Why is this important?Everyone has an Estate Plan ..... If you do not plan you default to the Government's Plan.Log in for a 30 Day Trial to learn more and get updated -- Legacy Lock Estate Plan Trial

Join Financial Adviser Ron Friddle and Host Jeff Roediger as we discuss The Five Key Decisions You Need To Make:1. Who will manage your money when you die?2. Where Does Your Money Go?3. Who Will Take Care of Family Members?4. Who Makes Medical Decisions on Your Behalf if you are incapacitated?5. Who Makes Financial Decisions on Your Behalf if you are incapacitated?Learn more about this important and many times overlooked area of planning.

Here  is what Mark and Jeff Discuss in this session: • You cannot get advice about how to maximize your lifetime benefit from a Social Security representative. They are prohibited from giving advice about when to elect your benefit options. • To get the most out of your Social Security benefit, you need to file at the right time. Every dollar your Social Security income increases is less money you'll have to spend from your retirement savings to supplement your income. • An Investment Advisor can help you determine when you should file for Social Security to get your Maximum Lifetime Benefit. • Deciding when to take your Social Security benefit is one of the most important decisions you make as a retiree. After the first year of taking the benefit, that amount is locked in for the duration of your lifetime. • Social Security is a massive, government-funded program and there are many things about this program that you cannot control. You can, however, control when and how you file for benefits 

How Much Money Do You Need To Be Happy?Outliving their money is what retirees fear the most. Build your retirement income from the sound foundation of Green Money, or Know So Money. The foundation of a retirement strategy depends on knowing how much money you need and when you need it. • Identify how much of your income you need now, and how much you need later. Once you have your current Need Now income needs supplied, it's crucial to the longevity of your income to plan for Need Later Money. This offers another opportunity to look at Red Money investments for growth. • Working with a Registered Investment Advisor will help you compose a clear and concise inventory of your assets, and learn how much they are worth, what rules apply to them, and how they are structured for risk.

In this episode, Jeff and Kelly discuss the history of Social Security, how you qualify and ways you can maximize your Social Security Income.

Join Pete and Jeff as we discuss the Important Decisions Public Employees need to make regarding their Benefits / Pension /Social Security / TSP 403b /457 /401k at Retirement.

In this episode, Jeff and Kelly discuss the process for gathering the most pertinent items you'll need for retirement.

Join Kelly and Jeff as we discuss the Important Decisions Federal Employees need to make regarding their Benefits / Pension /Social Security / TSP at Retirement.

Join Jay Steinbock and Jeff Roediger as we discuss the potential advantages of using Life Insurance to create more options at retirement. - Flexibility- Control of Estate- Additional Retirement Funds

 Have you reviewed your FERS/CSRS Annuity Payout estimate in the last 12 months?Join Retired Federal Manager and Current Federal Employee Benefits and Retirement Advocate Elizabeth Inman as we discuss why it is important to review your FERS/CSRS Benefits on an Annual Basis as you approach retirement. - Should you Take a Full Pension Annuity?- What are my survivor Annuity Options?- How does my Social Security Impact my Retirement Pension Annuity?

Join Retired Navy Officer and current Financial Professional Ron Friddle and Co-Host Jeff Roediger as we discuss Holistic Financial Economic Planning designed to help you make good Financial Decisions

Join Financial Adviser Mike McCurdy and Co-Host Jeff Roediger as we introduce our new series focused on Federal Employees and Their Retirement and Planning Needs. 

Join Financial Adviser Jay Steinbock and Co Host Jeff Roediger as we discuss how to take income at retirement in your Qualified Plan (403b/401k).   Should you keep it in your Employer Retirement Plan or Transfer it to an IRA? 

Ten Questions You Need To Answer1.  Have you reviewed your Pension (Annuity Income) and/or Survivor Payout in the last 12 months?2.  Does your Plan (Tier) offer a Pension Alternative (DROP) ?  If so, have you compared it to the Annuity Payout Option?3.  How Healthy is Your Pension? Will it outlast you?  See Next Section For Details on your Plan. 4.   Is your 403B/457 Allocation Setup to minimize a major market correction ? 5.  Have you reviewed the impact of taxes on the distribution of your 403B/457? 6.   Do you have a plan to maximize your Social Security Income? 7.   Are Your Beneficiary Designations Updated (Life Insurance/Pension/403B/457)? 8.  Have you reviewed your Group Life and LTC Insurance Plans? Are you planning on keeping the Insurance at Retirement?9   Do you know what your Health Insurance Costs will be at Retirement?  Do you understand your medicare options?10. Do you have a trusted retirement planner (Fiduciary) who is an expert on Your Benefits/(Pension)Retirement?

Over the course of your lifetime, it is likely that you have acquireda variety of assets. Assets can range from money that you havein a savings account or a 401(k), to a pension or an IRA. Youhave earned money and have made financial decisions basedon the best information you had at the time. When viewed as awhole, however, you might not have an overall strategy for themanagement of your assets. As we have seen, it's more importantthan ever to know which of your assets are at risk. High marketvolatility and low treasury rates make for challenging financialtopography. Navigating this financial landscape starts with planful asset management that takes into account your specific needsand options.Even if you feel that you have plenty of money in your 401(k)or IRA, not knowing how much risk those investments are exposed to can cause you major financial suffering.

Join Elizabeth Inman and Jeff Roediger as we discussed this critical and often overlooked retirement planning topic.

Join Dominick Caiati and Jeff Roediger as we discuss the important decision at retirement concerning keeping your Qualified Retirement at the Government Institution and withdrawing your retirement income from that account or moving it to a Private Financial Institution or Insurance Company to withdrawal the retirement income or annuity.

Join Certified Financial Planner Tom Thalman and I as we discuss "The Myth of The Rich Doctor."We address this Question ---   Doctor, what is the state of your financial health?

“The U.S. has developed a new weapon that destroys people butleaves buildings standing. It's called the stock market.”~ Jay LenoThe stock market has long been relied upon to grow money. During retirement, growth is an important part of asset managementand one solution to the dilemma of running out of money. Butwith growth comes risk. How much risk depends on the percentage of your investments connected to stock market volatility.

Join Dominick Caiati and Jeff Roediger as we discuss keeping your assets out of court control.- How to avoid or minimize probate (Could hold your assets for over a year)- Coordinating Your Life Insurance, Pension Annuity Survivor Benefits, and        TSP/403(b)/401(k)- Prepare Today for Tomorrow's Unknown

Join Larry Spoth and Jeff Roediger as we discuss "The Lost Decade"   How to manage an up and down and period and still have a secure retirement income. Here is what we discuss:- The History of the Market (Specifically the S&P 500)- How to Navigate your retirement through tough times- Buckets of Money Strategies That Will Reduce Your Retirement Income Risk

• Just like planning for a vacation or a trip, your retirementplan needs to consider your goals and objectives, or it won'tbe a good plan for you. The answers to the question, whenshould I retire, will be different for everyone, based on yourlifestyle and the people in it who are important to you.• There is a difference between a retirement product such as amutual fund or annuity and a retirement plan. As you moveout of the working stage of your life, you are no longer earning income. A shift must be made from the accumulation ofyour money to the management of your money. Before youtake off on your retirement trip, identify where you are nowby taking the time to understand what you are invested inand what those investments are doing for you.• The rules for retirement planning have changed. Investingthe way your parents did will not pay off and the majority ofinvestment ideas used by financial professionals in the 1990saren't applicable to today's markets. That kind of investingwill likely get you in trouble and compromise your retirement. Today, you need a better PLAN. Having a planfulapproach to retirement gives consideration to today's stockmarket and economy, and the individual concerns of you,the investor.

Join Larry Spoth and Jeff Roediger as we discuss how to balance your retirement income.   Balance means maintaining growth and minimizing risk.    Larry has a successful strategy on how to deploy this planning concept both in bull and bear markets.   Join us as we review this strategy.

Join Elizabeth Inman and Jeff Roediger as we discuss how to minimize your retirement income taxes.   Elizabeth discusses important tax reduction strategies as they pertain to the following retirement income options:1. FERS/CSRS Pension Income2. TSP Traditional and Roth Distribution Options3. Social Security Income Options and more....

Join Kathleen and I as we discuss the details of your TSP Retirement.  Remember it is The Thrift "Savings" Plan. 1. Roth vs Traditional Contributions2. Rollover and Transfer Pros and Cons3. Withdrawal Options at Retirement and more...