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If you've seen the news this year, you know why we wanted to talk about this topic. Whether DOGE layoffs or early retirements or concerns about future job security, Federal employees may be looking to financial advisors for counsel. To help you be better prepared we wanted to talk with a specialist. In this episode, hosts Chris Boyd & Brad Wright are joined by Micah Shilanski, CFP® to talk about Federal Employee Retirement benefits. You might know Micah from co-hosting The Perfect RIA podcast, but today he shares a bit about his practice, his passion of time management, and then we learn about the Federal retirement benefits. Whether to learn about the Thrift Savings Plan, some special early Social Security benefits, or Pension and Health Benefits under FERS, you'll no doubt learn some helpful tips for working with clients who are Federal Employees. Micah's Podcasts: https://planyourfederalretirement.libsyn.com/website https://theperfectria.com/podcasts/ LinkedIn Address: https://www.linkedin.com/in/micahshilanski/ Website: https://plan-your-federal-retirement.com/
In this informative video, Elizabeth Inman, a retired USPS and FERS retiree, explains the 7 types of Federal Retirement, how they are different, and what to avoid when making this important decision. As with many things, there are a lot of details and options within each of these types of Federal Retirement, so if you want more information, we've made it easy to get the right information into your hands. Simply visit www.FEBCnow.com and click on the pop-up window that says "Roadmap to Success." How can you be sure you are making the right decisions about your Federal Retirement? The good news is that there is a single solution that can cause these concerns to melt away, and it's free. It's called a Federal Benefits Analysis Report, and it's available to you at www.FEBCnow.com. If you are currently considering retirement from the Federal Government, we recommend getting a Federal Benefit Analysis Report in your hands to make sure you are making the best decisions possible. It's simple, fast and free.
En l'espace de quinze ans, le fer à repasser — jadis indispensable dans tous les foyers français — a perdu de sa superbe. De 3 millions d'unités vendues par an à la fin des années 2000, le marché est tombé à 1,6 million en 2024, selon les données de NielsenIQ-GFK. Les ventes reculent régulièrement, année après année : -8,7 % pour les fers à repasser, -7,2 % pour les centrales vapeur en 2024. Mais cette désaffection ne rime pas forcément avec un laisser-aller vestimentaire.La première explication de ce phénomène tient au changement d'habitudes vestimentaires. Depuis les années 2010, les entreprises ont progressivement assoupli leur code vestimentaire. Les tailleurs et chemises rigides ont été remplacés par des tenues plus décontractées. Avec l'essor du télétravail, ces changements se sont accélérés. Moins de présence au bureau, moins de pression sociale à « être tiré à quatre épingles » : les Français ont donc moins besoin de repasser.En parallèle, les matières textiles ont évolué. Les vêtements d'aujourd'hui sont souvent conçus pour limiter les plis. De plus, les appareils électroménagers intègrent de nouvelles fonctions, comme le défroissage dans les lave-linge ou sèche-linge, qui permettent d'obtenir un linge plus souple sans effort.Autre tendance forte : l'arrivée des défroisseurs vapeur portables, qui connaissent un succès croissant. En 2024, leurs ventes ont encore progressé de 5,2 %. Moins encombrants, plus rapides à utiliser, ils séduisent particulièrement les jeunes générations. L'usage d'un fer à lisser les cheveux pour défroisser un vêtement devient même une solution de secours populaire, comme le confie Mathilde, 32 ans : « Quand j'ai vraiment besoin d'enlever un faux pli, j'utilise mon fer à lisser. »Le ralentissement des ventes est également dû à la plus grande longévité des appareils. En repassant moins souvent, les Français usent moins vite leurs fers, d'autant que les innovations comme les systèmes anticalcaire allongent leur durée de vie.Enfin, la place même du fer à repasser dans les rayons des magasins s'est réduite. Dans certaines enseignes comme Boulanger, les rayons sont désormais envahis de friteuses sans huile, d'aspirateurs-balais ou de robots culinaires — tandis que les fers deviennent presque des produits de niche.Pour autant, le repassage n'a pas disparu des foyers français. Avec 1 million de fers et 500 000 centrales vapeur vendus en 2024, le marché reste bien présent. Il s'adapte simplement à de nouvelles attentes, plus pratiques, plus rapides, et à une vie où l'élégance ne passe plus nécessairement par une chemise impeccable. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Think you know how your FERS pension, Social Security, or military retirement will be taxed? Think again. In this episode, Micah and Floyd break down the tax pitfalls federal employees often overlook—like unexpected withholding issues, taxable income from multiple sources, and the impact of rental property depreciation. They share real examples and strategies to help you plan ahead and avoid costly surprises. Tune in now and take charge of your retirement planning! https://zurl.co/Yve3K
Unlock the secrets to maximizing your federal pension and retirement income with Benchmark Financial Group. In this comprehensive webinar, we dive into essential strategies for federal employees, exploring your FERS pension, TSP, Social Security, and how to align these benefits for a secure future. Learn about critical retirement milestones, cost-of-living adjustments, survivor benefits, and how to navigate early retirement options. Gain clarity on making informed decisions to achieve financial independence.Benchmark Financial Group offers expertise in federal retirement planning. Our customized analysis helps you create a financial strategy tailored to your unique goals, ensuring a smooth transition into retirement.Whether you're weighing the pros and cons of early retirement, looking to optimize your income streams, or planning for long-term financial security, this video is your guide. Ready to take control of your federal benefits and secure your financial future? Contact Benchmark Financial Group today for personalized assistance and start your journey toward retirement confidence.#tsp #socialsecurity #navigatingretirement #annuity #financialeducation————Since 1987, Benchmark Financial Group, LLC has been committed to helping clients realize their financial independence, especially at retirement. Benchmark works with federal employees to provide a customized analysis of their federal benefits at a time of convenience for the employee. This customized analysis of federal benefits is prepared by Benchmark professionals who hold a ChFEBC designation. This means we are financial professionals who have completed extensive training to learn and understand federal benefits. As a result, Benchmark helps provide many optional answers to the questions that concern federal employees.Follow Benchmark Financial Group:Website: https://bfgkc.com/LinkedIn: https://www.linkedin.com/company/benchmark-financial-group-llc/Facebook: https://www.facebook.com/BenchmarkFinancialGroupLLCBenchmark is located at 9300 W. 110th St., #160, Overland Park, Kansas 66210. You can contact Benchmark Financial Group by visiting the website at https://bfgkc.com, calling at 913.227.4224, or emailing David at david.raetz@bfgkc.comSecurities and Advisory Services are offered through CreativeOne Securities, LLC. Member FINRA/SIPC and an Investment Advisor. Benchmark Financial Group, LLC and CreativeOne Securities are not affiliated companies.
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Discover how to maximize your federal pension like a pro with expert insights from Benchmark Financial Group
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Listen in as Cristina Mussini, MD; Martin Witzenrath, MD, FERS; and Michele Bartoletti, MD, PhD, discuss treatment strategies for people who are immunocompromised with COVID-19 in the hospital setting, including: Antiviral therapy with remdesivirDexamethasone for patients with hematologic malignanciesConsiderations regarding other immunomodulators such as JAK inhibitors or IL-6 inhibitorsA detailed patient case to illustrate key takeaways Presenters:Michele Bartoletti, MD, PhDAssociate Professor of Infectious DiseasesDepartment of Biomedical SciencesHumanitas UniversityPieve Emanuele (MI), ItalyHead of Infectious Diseases UnitIRCCS Humanitas Research HospitalRozzano (MI), ItalyCristina Mussini, MDFull Professor of Infectious DiseasesChief of the Department of Infectious DiseasesUniversity of Modena and Reggio EmiliaModena, ItalyMartin Witzenrath, MD, FERS Medical DirectorCharite Centrum 12Internal Medicine & DermatologyProfessor and Chair for Respiratory Medicine and Critical CareDepartment of Infectious Disease, Respiratory Medicine and Critical CareCharite Campus Mitte/Campus Virchow Klinikum/Campus Benamin FranklinCharite – University of BerlinBerlin, GermanyLink to full program:https://bit.ly/4fs7HcbDownloadable slides:https://bit.ly/3XP1fpJGet access to all of our new podcasts by subscribing to the CCO Infectious Disease Podcast on Apple Podcasts, Google Podcasts, or Spotify.
ProFeds Founder, Chris Kowalik, reviews the rules for getting the FERS Special Retirement Supplement for employees who are RIF'ed. KEY TAKEAWAYS: Explanation of the FERS Supplement Who gets the FERS Supplement? When do payments begin? Additional resources: Link to full RIF training series: FedImpact.com/RIF-training-series Local workshop locations and dates: FedImpact.com/attend To be introduced to a local financial professional: FedImpact.com/request-to-meet
•Doku-Fiktion• Ein Autor im Wolfsburger Autowerk: Mit einem Manager, Zukunftsforscher und Informatiker spricht er über die Zukunft der Arbeit und stößt auf völlig gegensätzliche Aussagen. Von Bernd Cailloux WDR 2009 www.wdr.de/k/hoerspiel-newsletter Von Bernd Cailloux.
How prepared are you if you no longer work for the Federal Government? Maybe you accepted the Trump Administration's “deferred resignation” package; maybe your agency did a Voluntary Early Retirement (authorized as a VERA); maybe there was a reduction in force of mass layoffs? Maybe you are one of the many federal employees that we have been chatting with who said, you know what, “It's been real. Sometimes it has been fun. It's no longer real fun.” and you just want to leave federal service. Are you ready to leave federal service? If so, you may want your FERS Go Bag Packed and ready. When planning for your federal retirement, one of the most important steps is to pack your "FERS Go Bag" - a metaphorical bag of financial and practical preparations to ensure a smooth transition when you leave federal services or, as smooth as things are going to be right now. As financial advisors who have helped thousands of federal employees learn about their benefits (no matter where they are at in their careers), here is our list of the Top 5 Items you need to have verified and have before you leave Federal Service. https://zurl.co/S2LdK
Jeannette Bear habite Toulouse et est pressophile. Depuis 25 ans, elle collectionne et expose des fers à repasser... Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL.
In episode 121 of The Federal Retirement Show, Val stresses the importance of going back to the fundamentals pertaining to your retirement. He breaks down key concepts like the FERS and CSRS systems, TSP, and the nuances of your pension, and you’ll learn how to navigate the often-complex world of federal benefits, along with tips on making the most of your retirement planning. Don’t miss this episode if you’re looking to secure your financial future as a federal employee. Make sure to subscribe to The Federal Retirement Show for more episodes and leave us a review! Have questions about retirement planning or other financial topics? Connect with Val and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. --- Listen to Previous Episodes: https://federalretirementshow.com/podcasts/ Subscribe to the show’s YouTube channel:www.youtube.com/@americanbenefitsexchange --- Listen to Previous Episodes: https://federalretirementshow.com/podcasts/ Subscribe to the show’s YouTube channel:www.youtube.com/@americanbenefitsexchange --- Connect with Val:Phone --- (512) 582-6050Email --- vmajewski@thinkabx.comAmerican Benefits Exchange --- thinkabx.comFederal Retirement Show --- federalretirementshow.com/podcastsLinkedin --- https://www.linkedin.com/company/american-benefits-exchange/ --- About American Benefits Exchange:American Benefits Exchange focuses on providing solid financial solutions to Federal, postal, and state employees as well as members of the United States Armed Forces and small businesses. American Benefits Exchange brings years of experience and knowledge to support these niche markets. American Benefits Exchange, along with its provider companies, truly understands the needs of civil service employees. A portfolio of products is available to address important financial issues such as planning for retirement, FEGLI Option B replacement, Thrift Savings Plan Rollovers, and Pension Maximization.See omnystudio.com/listener for privacy information.
In this episode, Martin Witzenrath, MD, FERS, and Michele Bartoletti, MD, PhD, discuss the management of mild to moderate COVID-19 in patients who are immunocompromised, including:Initial workup, which may include laboratory tests and/or imagingLatest data on the use of remdesivir or nirmatrelvir plus ritonavir for mild to moderate COVID-19, including considerations for drug–drug interactions Presenters:Martin Witzenrath, MD, FERSMedical DirectorCharite Centrum 12Internal Medicine & DermatologyProfessor and Chair for Respiratory Medicine and Critical CareDepartment of Infectious Disease, Respiratory Medicine and Critical CareCharite Campus Mitte/Campus Virchow Klinikum/Campus Benjamin FranklinCharite – University of BerlinBerlin, GermanyMichele Bartoletti, MD, PhDAssociate Professor of Infectious DiseasesDepartment of Biomedical SciencesHumanitas UniversityPieve Emanuele (MI), ItalyHead of Infectious Diseases UnitIRCCS Humanitas Research HospitalRozzano (MI), Italy Link to full program: https://bit.ly/4gu2gcUDownloadable slides: https://bit.ly/3CGlDBSGet access to all of our new podcasts by subscribing to the CCO Infectious Disease Podcast on Apple Podcasts, Google Podcasts, or Spotify.
Are 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 delays in retirement processing could mean for you, and how to avoid common mistakes that might affect your benefits. Tune in for valuable insights and make informed decisions about your federal retirement. https://zurl.co/BLKyI
In this episode, Cristina Mussini, MD, Martin Witzenrath, MD, FERS, and Michele Bartoletti, MD, PhD, discuss:Current SARS-CoV-2 trends in the EURisk factors for severe COVID-19 outcomes, including the spectrum of risk based on immune system statusFactors that may affect vaccine efficacy in chronic lymphocytic leukemia and other lymphoid malignanciesConsiderations for determining people at high risk for COVID-19 progression Presenters:Cristina Mussini, MDFull Professor of Infectious DiseasesDivision of Infectious DiseasesUniversity of Modena and Reggio EmiliaModena, ItalyMartin Witzenrath, MD, FERSMedical DirectorCharite Centrum 12Internal Medicine & DermatologyProfessor and Chair for Respiratory Medicine and Critical CareDepartment of Infectious Disease, Respiratory Medicine and Critical CareCharite Campus Mitte/Campus Virchow Klinikum/Campus Benjamin FranklinCharite – University of BerlinBerlin, GermanyMichele Bartoletti, MD, PhDAssociate Professor of Infectious DiseasesDepartment of Biomedical SciencesHumanitas UniversityPieve Emanuele (MI), ItalyHead of Infectious Diseases UnitIRCCS Humanitas Research HospitalRozzano (MI), ItalyLink to full program: https://bit.ly/4gu2gcUDownloadable slides: https://bit.ly/42IlpELGet access to all of our new podcasts by subscribing to the CCO Infectious Disease Podcast on Apple Podcasts, Google Podcasts, or Spotify.
Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: Kevin discusses the challenges faced by government employees due to a recent executive order requiring them to return to in-office work or resign with an eight-month severance package. He explores the feelings of disrespect and uncertainty among employees, the financial implications of their decisions, and the importance of strategic planning. Kevin emphasizes understanding retirement options under FERS and CSRS and encourages seeking personalized financial guidance. The episode aims to educate and empower government employees during this challenging time.Government Employees' Dilemma (00:01:11) Executive Order Implications (00:02:45) Understanding Your Options (00:04:08) Financial Systems Explained (00:06:50) Maximizing Retirement Benefits (00:09:06) Call to Action for Financial Planning (00:11:40) Conclusion and Reflection (00:12:57)Website: http://www.9icapitalgroup.com NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Book Meeting: https://outlook.office365.com/book/G12473568acb64f719ff3e79cfc9d55ed@NETORGFT11398641.onmicrosoft.com/ Hit the subscribe button to get new content notifications Corrections: Editing by http:/SwoleNerdProductions.com
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Need help with federal employee survival benefits. I looking for specific help with my wife's survivor FERS and Death Benefits. My wife worked for the Federal government and was still working when she passed. After her death I met with her employer to fill out paperwork to gain access to her TSP (401k) and FERS accounts, and to make decisions regarding how the death benefit would be paid out. I don't understand the tax rules for the FERS and death benefit funds so am looking for some guidance. My wife passed away in February and after 9 months, I was finally given access to her TSP account. Her FERS and death benefits are still being processed by OPM. - Mark https://zurl.co/Gb4nj
What 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. https://zurl.co/gdbqQ
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Hello. My name is Joyce and I am trying to determine the best date to retire either december 31st or january 11th 2025 at the end of the last pay period. Just wanted to know the advantages of possibly waiting to retire at the end of the pay period. And if I would receive my annual lump sum and the January pension or would it start in February? Thank you in advance for your your help with this question. Thank you. Bye bye. - Joyce https://zurl.co/L1MK1
Mario Taffo is a volunteer educator for The Institute for Financial Awareness, one of the fastest growing 501(c)(3) nonprofit organizations in the DC/Metro area.Mario is a widely sought out speaker. His most requested workshop/webinar topics are 10 Steps to Financial Freedom, Retirement Planning for Federal Employees and Estate Planning.Mario has been a member of the Greater Washington Hispanic Chamber of Commerce since 2009. He has provided financial educational support and resources to many embassies in Washington D.C., military bases, federal agencies, churches and other organizations. He also provides direct support to numerous HR departments at federal agencies in the DC/Metro area.Mario has presented hundreds of financial wellness and financial literacy workshops in the DC metropolitan area, as well as educational webinars to participants around the world.Mario has a MBA degree from the University of Central Florida and has been working in the financial services industry since 1996. Mario started his financial services career as a loan originator.Mario has experience in investments and banking, in addition to retirement planning. Mario is fluent in Spanish. His bi-lingual abilities have allowed him to help guide many civilians, active duty and in-service and retired federal employees through the complex steps of their retirement planning process.Thousands of individuals and small business owners have benefited from Mario's knowledge and expertise, but one of his greatest pleasures in life is to help his friends and family plan for retirement. As a father, Mario has personal experience planning for college and has helped countless families reach their college planning goals.In his free time Mario enjoys traveling, playing soccer, scuba diving and exercising. He is a loyal CrossFit enthusiast who can be found in his local gym every morning, competing with himself and pushing others to reach their full potential in the gym.Learn more: http://www.ifaonline.org/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mario-g-taffo-federal-benefits-consultant-on-understanding-fers-benefits-and-retirement-planning
Mario Taffo is a volunteer educator for The Institute for Financial Awareness, one of the fastest growing 501(c)(3) nonprofit organizations in the DC/Metro area.Mario is a widely sought out speaker. His most requested workshop/webinar topics are 10 Steps to Financial Freedom, Retirement Planning for Federal Employees and Estate Planning.Mario has been a member of the Greater Washington Hispanic Chamber of Commerce since 2009. He has provided financial educational support and resources to many embassies in Washington D.C., military bases, federal agencies, churches and other organizations. He also provides direct support to numerous HR departments at federal agencies in the DC/Metro area.Mario has presented hundreds of financial wellness and financial literacy workshops in the DC metropolitan area, as well as educational webinars to participants around the world.Mario has a MBA degree from the University of Central Florida and has been working in the financial services industry since 1996. Mario started his financial services career as a loan originator.Mario has experience in investments and banking, in addition to retirement planning. Mario is fluent in Spanish. His bi-lingual abilities have allowed him to help guide many civilians, active duty and in-service and retired federal employees through the complex steps of their retirement planning process.Thousands of individuals and small business owners have benefited from Mario's knowledge and expertise, but one of his greatest pleasures in life is to help his friends and family plan for retirement. As a father, Mario has personal experience planning for college and has helped countless families reach their college planning goals.In his free time Mario enjoys traveling, playing soccer, scuba diving and exercising. He is a loyal CrossFit enthusiast who can be found in his local gym every morning, competing with himself and pushing others to reach their full potential in the gym.Learn more: http://www.ifaonline.org/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mario-g-taffo-federal-benefits-consultant-on-understanding-fers-benefits-and-retirement-planning
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Certified Financial Planner Joshua Barbin delves into the complexities of the Federal Employees Retirement System (FERS) and the Thrift Savings Plan (TSP). He explains how filing for benefits early while still earning income can reduce pension annuities and highlights the transition from the older CSRS system to FERS. Justin covers the importance of disciplined investment strategies within the TSP and outlines the advantages of federal health insurance for retirees, emphasizing the five-year rule and the comprehensive coverage it offers. Ready to discuss your retirement plan? Visit TheRetirementKey.com today and get a free copy of Abe's book The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement when you schedule an appointment!See omnystudio.com/listener for privacy information.
Happy Thanksgiving! On this abbreviated episode, Daniel and I want to thank you for being such wonderful listeners. Also we take your calls about unusual Thanksgiving fare. I think people get too excited about Creme Brûlée and Daniel has a joke about nachos. Plus breaking Burbank body news and more. Get yourself some new ARIYNBF merch here: https://alison-rosen-shop.fourthwall.com/ Subscribe to my Substack: http://alisonrosen.substack.com Podcast Palz Product Picks: https://www.amazon.com/shop/alisonrosen/list/2CS1QRYTRP6ER?ref_=cm_sw_r_cp_ud_aipsflist_aipsfalisonrosen_0K0AJFYP84PF1Z61QW2H Products I Use/Recommend/Love: http://amazon.com/shop/alisonrosen Check us out on Patreon: http://patreon.com/alisonrosen Buy Alison's Fifth Anniversary Edition Book (with new material): Tropical Attire Encouraged (and Other Phrases That Scare Me) https://amzn.to/2JuOqcd You probably need to buy the HGFY ringtone! https://www.alisonrosen.com/store/ Try Amazon Prime Free 30 Day Trial
You don't need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial freedom starts with a plan that protects what matters most—your loved ones and your future."Topics to consider as you ponder this decision: • Survivor Benefit choices: should I take 25%, 50%, or 0? • Once elected, you can't go back – one & done. • It's not cheap, but it might be essential.Chapters0:01 - Podcast Introduction0:35 - What Are Federal Survivor Benefits?2:15 - Decision Timing: When and How to Choose4:00 - Survivor Benefit Options: 0%, 25%, or 50%?6:45 - How to Maximize Your Pension8:30 - Health Insurance Implications for Survivors10:15 - Survivor Benefits vs. Life Insurance: What Works for You?12:00 - Navigating Emotional Conversations with Loved Ones14:30 - Common Mistakes in Survivor Benefit Elections18:20 - Minister of Finance's Top Tips for Federal Employees20:30 - Health Tip of the Day: The Power of MyrrhConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparisonAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show
Hello, I just started federal employment this July. I served Active Duty in the Army for 9 years from 2009 to 2018. In 2018 I joined the reserves. I will be going part time in my Federal job this Sept. Does it make since to by back my military time. Would it only be the 9 years on Active duty. When I retire from the reserves then would I still be able to collect my reserve pension and FERS? Does it affect disability that I receive from the military? - Katie https://zurl.co/xhS6
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
In episode 114 of The Federal Retirement Show, Val tackles a question many federal employees face: Should I retire at 60 or wait until 62? Val gives a detailed breakdown of the key differences, including how your FERS pension, Social Security benefits, and healthcare options are impacted by retiring at each age. Don't miss this episode if you're looking to secure your financial future as a federal employee. Make sure to subscribe to The Federal Retirement Show for more episodes and leave us a review! Have questions about retirement planning or other financial topics? Connect with Val and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Listen to Previous Episodes: https://federalretirementshow.com/podcasts/ Subscribe to the show's YouTube channel:www.youtube.com/@americanbenefitsexchange Connect with Val:Phone --- (512) 582-6050Email --- vmajewski@thinkabx.comAmerican Benefits Exchange --- thinkabx.comFederal Retirement Show --- federalretirementshow.com/podcastsLinkedin --- https://www.linkedin.com/company/american-benefits-exchange/ About American Benefits Exchange:American Benefits Exchange focuses on providing solid financial solutions to Federal, postal, and state employees as well as members of the United States Armed Forces and small businesses. American Benefits Exchange brings years of experience and knowledge to support these niche markets. American Benefits Exchange, along with its provider companies, truly understands the needs of civil service employees. A portfolio of products is available to address important financial issues such as planning for retirement, FEGLI Option B replacement, Thrift Savings Plan Rollovers, and Pension Maximization.See omnystudio.com/listener for privacy information.
Benchmark Financial Group discusses the consideration of FERS retirement life events that may impact your decisions, such as divorce and legacy planning. They all talk about ongoing account management as you go through your retirement years. ———— Since 1987, Benchmark Financial Group, LLC has been committed to helping clients realize their financial independence, especially at retirement. Benchmark works with federal employees to provide a customized analysis of their federal benefits at a time of convenience for the employee. This customized analysis of federal benefits is prepared by Benchmark professionals who hold a ChFEBC designation. This means we are financial professionals who have completed extensive training to learn and understand federal benefits. As a result, Benchmark helps provide many optional answers to the questions that concern federal employees. Follow Benchmark Financial Group: Website: https://bfgkc.com/ LinkedIn: https://www.linkedin.com/company/benchmark-financial-group-llc/ Facebook: https://www.facebook.com/BenchmarkFinancialGroupLLC Benchmark is located at 9300 W. 110th St., #160, Overland Park, Kansas 66210. You can contact Benchmark Financial Group by visiting the website at https://bfgkc.com, calling at 913.227.4224, or emailing David at david.raetz@bfgkc.com Securities and Advisory Services are offered through CreativeOne Securities, LLC. Member FINRA/SIPC and an Investment Advisor. Benchmark Financial Group, LLC and CreativeOne Securities are not affiliated companies.
Navigating 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. Take control of your retirement planning. Equip yourself with the insights and strategies needed to enhance your federal benefits and ensure a secure financial future. Tune in to learn how to navigate the complexities of federal retirement effectively! https://zurl.co/ClPy
"Yes, my name is Marty. I like to know about FERS, if there is a maximum amount of years that I can work and then it is no longer counted towards my retirement calculation. For instance, if I was on the Csrs, I believe the cut off is like 42 years. Is it the same for first? Thank you." - Martha https://zurl.co/1gJ9
Are you a federal employee planning for retirement but feeling overwhelmed by your options? In this episode, Michael, Ben, Tommy, and John break down the Federal Employee Retirement System (FERS), explaining key retirement benefits and strategies to maximize your pension. From the differences between immediate retirements to the role of sick leave and survivor benefits, this episode covers what you need to know. Access the full show notes at Mason & Associates, LLC
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Yes, my name is Martha, and I tune into as many of your podcasts as I can, for your valuable information, I have a question regarding part time work previously, I thought that each year of part time service counted as a full year towards my years of principal service. But I was listening to a recent podcast by JT titled How to ensure all your years count towards credit creditable service and at around timestamp, four minutes and 14 seconds, he says something that goes against what I previously thought. So I have several years of part time work. I thought I could retire at my minimum retirement age and 30 years, even though I have all those years of part time work, as long as I paid FERS and FICA every year, of course, but he makes it sound like it's more of a proportional thing with the principal years of service. I do plan on hiring your company to do my retirement application processing, about a year before I retire, but now I'm not sure when I should be contacting you for that process of try and get some clarification. I do appreciate your help. Thank you. - Martha https://zurl.co/BtLf
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
Planning 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 for valuable insights and take control of your retirement strategy today. https://zurl.co/GMvs
FERS supplement annuity. I retired from SSA under the 25 years of service at any age in 2014. I was told I would be eligible for the supplement when I reach my MRA 56 and 6 months, which was this 06/2024. I have not received or heard anything from OPM. I'm just trying to verify I am eligible. - Karren
Understanding the options available to civil servants entering retirement under FERS. If you're one of the 2 million people in the federal workforce, this post is designed to help you make the most of your retirement plan by understanding the Federal Employee Retirement System (FERS). As we head toward the end of the fiscal year, it's a great time to revisit how FERS works and how you can maximize your benefits. Breaking Down FERS: The Three Key Components Before we dive into the details, let's recap the basic structure of FERS. There are three main components that federal employees need to pay attention to: Pension: A defined benefit that provides income based on your years of service and salary. Thrift Savings Plan (TSP): A defined contribution plan, similar to a 401(k), where you can contribute pre-tax or post-tax (Roth) dollars. Social Security: Just like most employees, you'll also receive Social Security benefits, so don't forget to factor this into your retirement planning. When thinking about retirement, it's essential to plan not only for when to start your FERS pension but also when to tap into your TSP and file for Social Security. The coordination of these three components can make a big difference in your retirement income. Maximizing Your FERS Benefits Recently, I was asked by Money Geek how federal employees can maximize their retirement benefits. Two key strategies stand out: Maximize Your TSP Contributions: For 2024, you can contribute up to $23,000 to your TSP, with an additional $7,500 if you're over 50 (catch-up contribution). The TSP is one of the most cost-effective retirement savings plans out there due to its low fees, so take full advantage of it! Know Your Full Retirement Age: Surprisingly, many people I talk to aren't sure of their full retirement age (FRA) under FERS. Knowing this is crucial because it affects when you can receive your maximum pension benefit. For instance, retiring before age 62 or with fewer than 20 years of service could significantly reduce your pension payout. There are some important distinctions to be aware of, particularly if you retire before age 62 or with fewer than 20 years of service. For example, retiring at 61 with 19 years of service gives you only 19% of your high-3 salary as a pension. However, waiting one more year to reach age 62 and 20 years of service increases that to 22%—a 15% boost in your pension for life! That extra year could be well worth it. Understanding Your High-3 Average Salary Your pension is based on your high-3 average salary, which is the average of your three highest consecutive years of earnings. While this is often your final three years, it's not always the case. It's important to accurately estimate your high-3 salary when planning your retirement. Additionally, if you've had military service, you can potentially add military service credits to your federal service time. This could increase your pension benefit, so be sure to check your service record to ensure all your years are accounted for. Special Considerations for Specific Roles Certain federal roles, such as law enforcement officers, firefighters, and nuclear materials couriers, are eligible for enhanced pension benefits. For example, they receive 1.7% of their high-3 salary for the first 20 years of service, compared to 1% for most employees. Members of Congress are also eligible for the 1.7% rate, making it important to know which category you fall into. Steps to Take in the Years Leading Up to Retirement As you approach retirement, there are four steps you should focus on to ensure you're on track: Maximize Your TSP Contributions: The more you contribute, the more you'll have for retirement. For those over 50, make sure you're taking advantage of the catch-up contribution. Confirm Your Full Retirement Age: Double-check your FERS records to know exactly when you're eligible for full retirement.
Hi. I have congressional experience and a break in service and I have just retired to the executive branch and I was wondering how the high 3 is calculated when I have 2 different 2 different work periods and different multipliers because congressional service when I was there was a 1.7 % multiplier anyway, if you could assist, I appreciate it. - Carrie. https://zurl.co/NBZS
So I did have a question. I can retire in october 2019 with 30 years under first, I will be 56 and I mean 10 months old and I do not think that I will be eligible for SRS until may 27th, but then I filed for my retirement the first part of April and when my retirement Counselor called, she told me that I will be able to be eligible for S R s immediately upon my retirement in October because I have 30 in and I mean, I I do not have to wait until I made 57 to withdraw the supplement. Have you come across this particular issue with any of your clients? - Marty https://zurl.co/UJWf
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