Podcasts about fers

You don't need to work longer—you just need a better plan. Book your complimentary consultation to design a strategy aligned with your retirement goals:

Retirement should feel like a reward — not a risk. But for many federal employees, small oversights lead to big problems later.✅ Surprise #1: Required Beneficiaries – Avoid costly mistakes on outdated forms✅ Surprise #2: Surviving Spouse Benefits – Understand your spouse's protection✅ Surprise #3: FEGLI Life Insurance – What really happens to your coverage and cost✅ Surprise #4: Health Insurance – New rules with FEHBP and PSHBP✅ Surprise #5: Medicare Integration – Coordinating FEHB and Medicare at age 65✅ Surprise #6: Social Security, FERS & CSRS – How they work together (and conflict)✅ Surprise #7: TSP – Reforms, withdrawal options, and tax-smart strategiesHave questions? Schedule a review with me.

The latest House budget bill, which delays the FERS annuity supplement elimination until 2028, but keeps the change in place. Stay tuned for more updates...Want to discuss how this affects you? Schedule a free review with me.https://febcnow.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.

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.

Is it possible to request a waiver to access the FERS Supplement two years early? My wife has 32/33 years but only turns 55 in August. Thanks. - Fred https://zurl.co/PcyUl

On this week's episode, I'm discussing the Federal Employees Retirement System, or FERS, a program that covers nearly all civilian federal workers. If you're a federal employee curious about when you're eligible to retire, how your pension is calculated, what the Thrift Savings Plan offers, or how special early retirement and survivor benefits work, this episode is your go-to resource.  We're breaking down the three key components of FERS: your  Basic Benefit Plan (a pension), Social Security, and the Thrift Savings Plan, as well as important details like cost-of-living adjustments and tax considerations. Whether you're just starting your federal career or planning your retirement right now, you'll get practical insights to help you make the most of your retirement benefits. You will want to hear this episode if you are interested in... [00:00] I share an overview of how FERS provides federal employees' retirement benefits. [05:02] Your basic benefit plan is calculated using the highest average salary over three consecutive years, often the final service years. [09:52] Federal employees retiring at 55-57 receive a FERS supplement until age 62, calculated by years of service/40 times the estimated Social Security benefit. [11:41] Benefits include cost-of-living adjustments for those 62+ or in special roles, aligned with consumer price index increases. [14:52] FERS survivor benefits are available if the deceased had at least 10 years of service. What is FERS, and Who Does It Cover? As one of the most significant employment sectors in the United States, the federal government supports over 3 million workers, the majority of whom participate in the Federal Employees Retirement System (FERS). If you're a federal employee, understanding FERS is vital to planning a comfortable and financially secure retirement. The Federal Employees Retirement System (FERS) is the primary retirement plan for U.S. civilian federal employees hired after 1983. According to the Office of Personnel Management, FERS provides retirement income from three sources:   1. The Basic Benefit Plan (a pension). 2. Social Security. 3. The Thrift Savings Plan (TSP), similar to a private sector 401(k). FERS covers different federal professionals, from law enforcement and firefighters to engineers, analysts, and other administrative roles. Special provisions exist for high-risk positions such as air traffic controllers and certain law enforcement officers, which affect their benefit calculations and retirement age. When Can You Retire Under FERS? Retirement eligibility under FERS primarily depends on age and years of credible service. The key term here is Minimum Retirement Age (MRA), which varies based on birth year, from 55 for those born before 1948 to 57 for workers born in 1970 or later. Retirement options include:   Age 62 with 5 years of service. Age 60 with 20 years of service.  MRA with 30 years of service. MRA with 10 years of service (MRA+10), though benefits are reduced by 5% for each year under age 62. Early retirement is available in some situations, such as involuntary separations or major agency reorganizations. In those cases, eligibility can be as early as age 50 with 20 years of service or at any age with 25 years of service. Calculating Your Basic Pension Benefit The FERS pension is calculated using your “high-3” average salary, the highest three consecutive years of basic pay, usually your last three years. The formula generally provides 1% of your high-3 salary for each year of government service (increases to 1.1% if you retire at 62 or older with 20+ years). Special categories, like federal law enforcement or air traffic controllers, receive 1.7% for the first 20 years and 1% thereafter. For example: If you retire at 57 with 30 years of service and your high-3 average is $165,000:   - 30 years x 1% = 30%   - $165,000 x 30% = $49,500 annual pension The FERS Supplement Since some federal employees retire before they're eligible for Social Security (age 62), FERS includes a Special Retirement Supplement. This bridges the income gap until you can claim Social Security, calculated as:   Years of service ÷ 40 x age-62 Social Security benefit For example, with 30 years of service and a projected Social Security benefit of $2,500 per month, the supplement would be $1,875 per month from retirement until age 62. Understanding FERS is essential for federal workers considering retirement. Regularly reviewing your retirement strategy, estimating future benefits, and taking advantage of financial planning resources can help you maximize your retirement security.  Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  US Office of Personnel Management (OPM) FERS Information  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan  

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 episode 131 of the Federal Retirement Show, Val goes into the latest budget legislation proposals that could significantly impact federal employees and retirees. From raising FERS contributions and eliminating the FERS supplement, to shifting to a “High-5” pension calculation and introducing at-will employment measures. Val also explores proposed filing fees for MSPB claims and efforts to protect FEHB benefits amid ongoing fiscal negotiations. 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.

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.

In this podcast episode, Kevin Thompson, founder and CEO of 9i Capital Group, discusses three significant proposals impacting government employees. He explains the potential elimination of the FERS pension supplement, which could financially strain early retirees. Kevin also addresses the proposed shift from a high-3 to a high-5 pension calculation, potentially reducing pension benefits and complicating financial planning. Lastly, he explores the reinstatement of Schedule F, which could reclassify certain federal employees as at-will, removing civil service protections and increasing job insecurity. Kevin emphasizes the importance of staying informed and engaged with these critical issues.Overview of Proposals (00:01:06) Discussion of three main proposals affecting government employees: FERS pension supplement, pension calculation changes, and Schedule F.Elimination of the FERS Pension Supplement (00:02:29) Kevin explains the potential impact of eliminating the pension supplement for new retirees under 62.Impact of Changing from High-3 to High-5 (00:05:21) Details on how changing the pension calculation from the highest three to five years will affect benefits.Reinstatement of Schedule F (00:12:19) Discussion on the implications of reclassifying federal employees to at-will status and loss of job protections.Conclusion and Support for Government Employees (00:16:41) Kevin emphasizes the importance of government employees and expresses support against the proposed changes.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 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

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, PhD​Associate Professor of Infectious DiseasesDepartment of Biomedical SciencesHumanitas UniversityPieve Emanuele (MI), ItalyHead of Infectious Diseases UnitIRCCS Humanitas Research HospitalRozzano (MI), ItalyCristina Mussini, MD​Full 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.

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

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.

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

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

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