Haws Federal Advisors Podcast: Recent Episodes
Dallen Haws
Federal Employees enjoy incredible benefits but it can get confusing to know exactly how to handle it all. This podcast is the place for all the tips and tricks to get the most out of your Federal benefits and federal retirement. We cover topics such as the TSP, FEHB, FEGLI, your pension, investing, and much more.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors Some things simply follow you into retirement.
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.
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram
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.
Facebook/Instagram: Haws Federal Advisors 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.
Facebook/Instagram
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.
Facebook/Instagram
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Facebook/Instagram: Haws Federal Advisors
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.
Do You Really Need Medicare and FEHB as a Federal Employee? https://hawsfederaladvisors.com/do-you-really-need-medicare-and-fehb-as-a-federal-employee/
Facebook/IG: Haws Federal Advisors
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.
Facebook: Haws Federal Advisors
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.
Facebook: Haws Federal Advisors
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.
Facebook: Haws Federal Advisors
Instagram: Haws Federal Advisors
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.
Facebook: Haws Federal Advisors
Instagram: Haws Federal Advisors
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.
Facebook: Haws Federal Advisors
Instagram: Haws Federal Advisors
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.
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.
TSP Investment Strategy for Retirement https://hawsfederaladvisors.com/tsp-investment-strategy-for-retirement/ Knowing What Your Pension Will Actually Be https://hawsfederaladvisors.com/your-fers-retirement-pension-calculator/ Maximizing Your FERS Supplement https://hawsfederaladvisors.com/the-fers-supplement-the-ultimate-guide/ When to Start Social Security https://hawsfederaladvisors.com/when-to-start-social-security-as-a-federal-employee/ How Your FEHB Changes in Retirement https://www.youtube.com/watch?v=Ij4SC7kQ4sE&ab_channel=HawsFederalAdvisors Maximizing FEGLI https://hawsfederaladvisors.com/getting-the-most-of-fegli-federal-employee-group-life-insurance-the-ultimate-guide/ How to Not Lose Your Dental/Vision in Retirement https://www.youtube.com/watch?v=gx6v4KG0u_s&ab_channel=HawsFederalAdvisors Do You Need Long Term Care Insurance? https://hawsfederaladvisors.com/questions-and-answers-should-i-get-long-term-care-insurance-fltcip/ Free 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 Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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.
Free 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 Do You Want Help Managing your TSP/Investments in Retirement? https://app.hawsfederaladvisors.com/investmentmeeting Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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 Do You Want Help Managing your TSP/Investments in Retirement? https://app.hawsfederaladvisors.com/investmentmeeting Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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.
TSP Investment Strategy for Retirement https://hawsfederaladvisors.com/tsp-investment-strategy-for-retirement/ Knowing What Your Pension Will Actually Be https://hawsfederaladvisors.com/your-fers-retirement-pension-calculator/ Maximizing Your FERS Supplement https://hawsfederaladvisors.com/the-fers-supplement-the-ultimate-guide/ When to Start Social Security https://hawsfederaladvisors.com/when-to-start-social-security-as-a-federal-employee/ How Your FEHB Changes in Retirement https://www.youtube.com/watch?v=Ij4SC7kQ4sE&ab_channel=HawsFederalAdvisors Maximizing FEGLI https://hawsfederaladvisors.com/getting-the-most-of-fegli-federal-employee-group-life-insurance-the-ultimate-guide/ How to Not Lose Your Dental/Vision in Retirement https://www.youtube.com/watch?v=gx6v4KG0u_s&ab_channel=HawsFederalAdvisors Do You Need Long Term Care Insurance? https://hawsfederaladvisors.com/questions-and-answers-should-i-get-long-term-care-insurance-fltcip/ Free 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 Do You Want Help Managing your TSP/Investments in Retirement? https://app.hawsfederaladvisors.com/investmentmeeting Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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 Do You Want Help Managing your TSP/Investments in Retirement? https://app.hawsfederaladvisors.com/investmentmeeting Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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 Do You Want Help Managing your TSP/Investments in Retirement? https://app.hawsfederaladvisors.com/investmentmeeting Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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.
TSP Investment Strategy for Retirement https://hawsfederaladvisors.com/tsp-investment-strategy-for-retirement/
Knowing What Your Pension Will Actually Be
https://hawsfederaladvisors.com/your-fers-retirement-pension-calculator/
Maximizing Your FERS Supplement
https://hawsfederaladvisors.com/the-fers-supplement-the-ultimate-guide/
When to Start Social Security
https://hawsfederaladvisors.com/when-to-start-social-security-as-a-federal-employee/
How Your FEHB Changes in Retirement
https://www.youtube.com/watch?v=Ij4SC7kQ4sE&ab_channel=HawsFederalAdvisors
Maximizing FEGLI
https://hawsfederaladvisors.com/getting-the-most-of-fegli-federal-employee-group-life-insurance-the-ultimate-guide/
How to Not Lose Your Dental/Vision in Retirement
https://www.youtube.com/watch?v=gx6v4KG0u_s&ab_channel=HawsFederalAdvisors
Do You Need Long Term Care Insurance?
https://hawsfederaladvisors.com/questions-and-answers-should-i-get-long-term-care-insurance-fltcip/
Free 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 Do You Want Help Managing your TSP/Investments in Retirement? https://app.hawsfederaladvisors.com/investmentmeeting Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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 Do You Want Help Managing your TSP/Investments in Retirement? https://app.hawsfederaladvisors.com/investmentmeeting Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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 Do You Want Help Managing your TSP/Investments in Retirement? https://app.hawsfederaladvisors.com/investmentmeeting Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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 Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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.
FERS Retirement Benefits 2023: What Federal Employees Need to Know
TSP Investment Strategy for Retirement https://hawsfederaladvisors.com/tsp-investment-strategy-for-retirement/
Knowing What Your Pension Will Actually Be
https://hawsfederaladvisors.com/your-fers-retirement-pension-calculator/
Maximizing Your FERS Supplement
https://hawsfederaladvisors.com/the-fers-supplement-the-ultimate-guide/
When to Start Social Security
https://hawsfederaladvisors.com/when-to-start-social-security-as-a-federal-employee/
How Your FEHB Changes in Retirement
https://www.youtube.com/watch?v=Ij4SC7kQ4sE&ab_channel=HawsFederalAdvisors
Maximizing FEGLI
https://hawsfederaladvisors.com/getting-the-most-of-fegli-federal-employee-group-life-insurance-the-ultimate-guide/
How to Not Lose Your Dental/Vision in Retirement
https://www.youtube.com/watch?v=gx6v4KG0u_s&ab_channel=HawsFederalAdvisors
Do You Need Long Term Care Insurance?
https://hawsfederaladvisors.com/questions-and-answers-should-i-get-long-term-care-insurance-fltcip/
Free 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
Check out the full article here:
https://hawsfederaladvisors.com/blog/
Check out "Building Wealth in The TSP" on Amazon:
https://amzn.to/2FytP9W
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.
TSP Investment Strategy for Retirement https://hawsfederaladvisors.com/tsp-investment-strategy-for-retirement/
Knowing What Your Pension Will Actually Be
https://hawsfederaladvisors.com/your-fers-retirement-pension-calculator/
Maximizing Your FERS Supplement
https://hawsfederaladvisors.com/the-fers-supplement-the-ultimate-guide/
When to Start Social Security
https://hawsfederaladvisors.com/when-to-start-social-security-as-a-federal-employee/
How Your FEHB Changes in Retirement
https://www.youtube.com/watch?v=Ij4SC7kQ4sE&ab_channel=HawsFederalAdvisors
Maximizing FEGLI
https://hawsfederaladvisors.com/getting-the-most-of-fegli-federal-employee-group-life-insurance-the-ultimate-guide/
How to Not Lose Your Dental/Vision in Retirement
https://www.youtube.com/watch?v=gx6v4KG0u_s&ab_channel=HawsFederalAdvisors
Do You Need Long Term Care Insurance?
https://hawsfederaladvisors.com/questions-and-answers-should-i-get-long-term-care-insurance-fltcip/
Free 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 Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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
Check out the full article here: https://hawsfederaladvisors.com/blog/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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 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
Check out the full article here: https://hawsfederaladvisors.com/blog/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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 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
Check out the full article here: https://hawsfederaladvisors.com/blog/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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 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
Check out the full article here: https://hawsfederaladvisors.com/blog/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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 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
Check out the full article here: https://hawsfederaladvisors.com/blog/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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 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
Check out the full article here: https://hawsfederaladvisors.com/blog/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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 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 Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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 Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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 Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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 Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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
Check out the full article here:
https://hawsfederaladvisors.com/blog/
Check out "Building Wealth in The TSP" on Amazon:
https://amzn.to/2FytP9W
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 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 Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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 Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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 Check out the full article here: https://hawsfederaladvisors.com/blog/ Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W 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 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
Check out the full article here:
https://hawsfederaladvisors.com/blog/
Check out "Building Wealth in The TSP" on Amazon:
https://amzn.to/2FytP9W
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 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
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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.
Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
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Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
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Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
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Fidelity Article: https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire#:~:text=Fidelity's%20guideline%3A%20Aim%20to%20save,behind%2C%20don't%20fret.
How Much Income Your TSP Can Provide: https://hawsfederaladvisors.com/how-much-can-you-safely-take-from-tsp-to-never-run-out-of-money/
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Deferred Vs. Postponed Retirement https://hawsfederaladvisors.com/fers-postponed-vs-fers-deferred-retirement-the-ultimate-guide/ Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
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Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
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Check out the full article here: https://hawsfederaladvisors.com/how-to-know-you-can-comfortably-retire-as-a-federal-employee/
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SmartAsset https://smartasset.com/retirement/retirement-taxes Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
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TSP VS. IRA https://hawsfederaladvisors.com/tsp-vs-ira-the-ultimate-guide/#:~:text=One%20major%20difference%20between%20these,you%20invest%20in%20an%20IRA. Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
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Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
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Helpful Resources Mentioned: FedUpward Podcast: https://fedupward.libsyn.com/ Fed family Facebook Group: https://www.fedfam.org/ (https://www.fedfam.org/) WAEPA: https://www.waepa.org/ Checkbook: https://www.checkbook.org/newhig2/hig.cfm Rosemont College: https://www.rosemont.edu/about/publications/news/rosemont-college-selected-to-join-elite-federal-academic-alliance.php Feds Protection: https://www.fedsprotection.com/ Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
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.
Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
Check out the full article and helpful resources here: https://hawsfederaladvisors.com/qa-can-i-move-my-tsp-to-an-ira-before-retirement/
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Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
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Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
Check out the full article and helpful resources here: https://hawsfederaladvisors.com/the-big-change-to-your-fehb-health-insurance-in-retirement/
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MRA+10 Retirement https://hawsfederaladvisors.com/mra10-retirement-the-ultimate-guide/
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TSP Cheat Sheet https://hawsfederaladvisors.com/tsp-cheat-sheet-landing-page/
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Check out the full article here: https://hawsfederaladvisors.com/warren-buffetts-tsp-investment-strategy/
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Check out the full article here: https://hawsfederaladvisors.com/federal-employee-retiring-within-5-years-dont-miss-these-5-things/
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Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.com/fers-pre-retirement-course-the-ultimate-guide/
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Check out the full article here: https://hawsfederaladvisors.com/?p=3075 (https://hawsfederaladvisors.com/dave-ramseys-tsp-thrift-savings-plan-advice-the-good-bad-and-ugly/)
Invest Your TSP In Retirement https://hawsfederaladvisors.com/tsp-investment-strategy-for-retirement/
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Your FERS Pension/The FERS Supplement -Check out this article to see when/if you can retire and get a pension. https://hawsfederaladvisors.com/when-can-i-retire-under-fers/ -To calculate your pension and check out this article. https://hawsfederaladvisors.com/your-fers-retirement-pension-calculator/
-You can find an in depth guide to the FERS supplement here. https://hawsfederaladvisors.com/the-fers-supplement-the-ultimate-guide/
Social Security -To help decide when you should start Social Security as a federal employee, check out this article.
The TSP (Thrift Savings Plan) -Here is an in depth guide on how to get the most out of your TSP.
FEHB (Federal Employee Health Benefits, i.e. Health Insurance) -You can learn more about keeping FEHB into retirement here.
FEGLI (Federal Employee Group Life Insurance) There are 4 different parts to FEGLI and they are: Basic, A, B, and C.
-All 4 parts are a little different and you can learn what parts are best for you here.
FEDVIP (Federal Employee Dental and Vision Insurance Program) -You can find more details on keeping FEDVIP into retirement here.
FLTCIP (The Federal Long Term Care Insurance Program) -You can learn more about whether you should enroll in FLTCIP here.
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Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W I talk to people about money and taxes all day long and I have yet to talk to someone who wants to pay more in taxes. I mean, we all want to pay our fair share of taxes but not many of us also want to leave a tip.
That is why it is so crucial to have a great tax strategy in retirement to make sure you can minimize your taxes as much as you legally can.
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.
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The MRA+10 retirement is a very popular option for those feds that are looking to retire early with most of their benefits still intact.
This guide is meant to help you understand all the relevant details about MRA+10 retirement so that you can make an informed decision for yourself. Check out the full article here: https://hawsfederaladvisors.com/blog/
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In retirement, your pension receives COLA’s or cost of living adjustments which are basically pay raises every year based on what inflation did the year before.
These COLA’s are a huge help in maintaining your standard of living over time.
But as traditional FERS your pension doesn’t receive any COLA’s until you are 62. This means that if you retire in your late 50’s then you will have a number of years during which you are highly vulnerable to inflation. Check out the full article here: https://hawsfederaladvisors.com/blog/
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Should we use our TSP to pay for our new home in full or have a mortgage? Great question. My big concern with using your TSP is that you have to pay taxes on any traditional TSP withdrawals. This means that if you take out a huge chunk of your TSP in one year then it could bump you into a much higher tax bracket. Check out the full article here: https://hawsfederaladvisors.com/blog/
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Retiring early from the federal government is a dream come true for many feds. But how does an early out retirement work for feds and does it make sense for you (if you are even offered it at all)?
For some, an early retirement makes incredible sense (because they were prepared for it), but for others, not so much. Check out the full article here: https://hawsfederaladvisors.com/blog/
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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.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
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Retirement can and should be an incredible time. After all, you have worked your entire life to achieve financial independence and “retire”.
But then why does The Wall Street Journal say that retirement can be one of the worst things for your health? According to https://www.wsj.com/articles/the-case-against-early-retirement-11555899000 (this 2019 article), retirement is often the start of a slow decline that can ultimately lead to death.
But something didn’t feel right. Is retirement really just bad for your health or is there something we can do to make our golden years not just neutral but a huge net positive for our health and life?
After some additional research, I found that there are key mistakes that retirees commit that are giving retirement as a whole a bad reputation.
Check out the full article here: https://hawsfederaladvisors.com/blog/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
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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.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
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In the English language the words postponed and deferred have almost identical meanings but in the context of your federal benefits, these two types of retirements are very different from one another.
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Our lives and careers are often split up into different stages and phases. Each phase has its own ups and downs and things to know to be successful.
5 years before retirement is a crucial phase in planning a great retirement because so many (often irreversible) decisions are made during this time.
Here are a handful of things to know and do at least 5 years from retirement.
Check out the full article here: https://hawsfederaladvisors.com/blog/
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Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
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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.
Question 1 Hi great channel! I will be retiring in March with 20 years of service under the law enforcement FERS and I am concerned because we are being told it’s going to take 6 months to receive even a partial FERS check and up to 12 months to receive the full amount. Also we are being told it may take up to 6 months to receive money from the TSP and just as long to receive your leave payout as well. I don’t know many people that can survive 6 months with no pay. What can be done? Thank you!!!
Answer 1 This is a big concern for retirees because you are right that it would be difficult for many folks to survive for 6 months without any income.
Unfortunately, outside of filling out your application without mistakes there isn’t a ton you can do to speed up the process of OPM processing your application (outside of retiring in a slow time of year). With that being said, it is not normal for it to take a full 6 months to receive partial (interim) checks and 12 months for the full amount. It generally doesn’t take that long but it has in some cases.
And when it comes to your TSP you can generally access it as soon as your agency informs TSP that you are separated from service. This normally doesn’t take that long but if there are mistakes on your agency’s or TSP’s end then it can certainly slow things down.
If you are over 59 and ½ then a potential work around would be to take an in-service withdrawal from your TSP before you retire so you have some money at your disposal right away. Also, it is always recommended to have a health emergency fund to get through the first months with less stress.
Question 2 1st of all I would like to thank you for all the information you provide us federal employees. I constantly talk to anyone who will listen to me about your videos and everything I have learned watching them. Ok, my question is: my wife and I are both federal employees ( both age 43) with a MRA of 57. I will have 36 years of federal service at 57, which means immediate retirement so I will carry the FEHB for both of us. My wife, however, will have 26 years of federal service at 57, which is when we both plan on retiring. How long does she have to postpone her pension so she doesn't have her pension reduced? Also, what else will she lose out on as far as benefits if she retires at 57 her MRA with 26 years of federal service? Thank you!
Answer 2 Because your wife will have 26 years of service at your MRA, she’ll have to postpone her pension until age 60. The downside of postponing her pension is that she won’t have insurance coverage (life, health, etc) during the years that she isn’t receiving a pension. But because it sounds like you will cover her under your FEHB during those years then it may not be a problem assuming she doesn’t need other types of coverage during that time (dental/vision/life).
Question 3 My son will be receiving DAC benefits starting in Sept when my Social Security starts. He will be getting a good amount monthly so I want to place some of it into something that will grow so that he will have it when his parents are no longer around. With him not working can you still put money into a Roth IRA or something like it? Thanks
Answer 3 Great question and...
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
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Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out the full article here: https://hawsfederaladvisors.com/blog/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ Question As always, thank you so much for your clear videos. For the most part you clear up the murky topic called retirement.
My question is: I'm 59 and retiring this year and I have just sold my home. The proceeds of that sale went to pay off the mortgage of my retirement home and I still have around $300K left. Would it make good sense to use that tax free money for the next 6+ years as I would my TSP along with my pension and NOT touch the TSP at all? That way the total sum in the TSP that has very low admin fees can grow a bit more before I really need to mess with it. Or would you invest the money.
Long question I know, but thank you so much for taking a look.
The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out the full article here: https://hawsfederaladvisors.com/blog/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ I talk with feds all the time that are looking to retire and the most common answer to “when would you like to retire” is hands down December 31.
OPM is always swamped in the first months of each year dealing with the surge of retirement applications.
But is December 31 really the best day to retire?
Well, sometimes. But certainly not all the time.
The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out the full article here: https://hawsfederaladvisors.com/blog/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ Just like your TSP, pension, and other retirement income, your insurance plays a major role in your career and in retirement. Getting the right coverage is not only crucial for a solid financial plan but there are often opportunities to save hundreds if not thousands of dollars when you understand what coverage makes sense for you.
Here are the types of insurance that you can get through your job as a federal employee.
Health Insurance Life Insurance Dental/Vision Insurance Long Term Care Insurance
Today we are going to review some of the most important details about each one of these.
The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out the full article here: https://hawsfederaladvisors.com/blog/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out the full article here: https://hawsfederaladvisors.com/blog/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
Survivor benefits can often be the difference between a spouse having a comfortable retirement or a stressful one. So getting this one right is crucial. But does it always make sense to leave your spouse full survivor benefits?
No. I believe that there are specific times where you and your spouse would be better off with partial survivor benefits or no survivor benefits at all.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out the full article here: https://hawsfederaladvisors.com/blog/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
One of the best parts about being a federal employee is your pension and one of the best parts of your pension is the cost of living adjustments (COLA) that you receive in retirement. And for those that are new to the subject, COLAs allow your pension to increase based on inflation. This is a big deal in helping you maintain your standard of living over time.
But as FERS employees, the problem is that your pension doesn’t always keep up with inflation.
And while the 2022 COLA looks like it will be the largest it's been in 10 years (that’s the good news), it also looks like it will lag behind inflation by the biggest margin in 10 years (that’s the bad news).
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out the full article here: https://hawsfederaladvisors.com/blog/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out the full article here: https://hawsfederaladvisors.com/blog/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com
Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
Retirement accounts (TSP, IRA, 401k etc.) can be a great way to save money for retirement while also getting significant tax benefits.
But with these benefits comes a number of rules that limit when and how you can access these funds.
One of the most well known rules is the rule of 59 and ½. Basically, for many retirement accounts you will have to pay a 10% penalty if you access them before age 59 and ½.
But the good news is that there are many (completely legal) loopholes around this penalty within the TSP but you will want to be very careful to use them correctly because the cost for a mistake can be very high.
Check out the full article here: https://hawsfederaladvisors.com/blog/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ The FERS Pre-Retirement Course: The Ultimate Guide: https://hawsfederaladvisors.thinkific.com Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out the full article here: https://hawsfederaladvisors.com/blog/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
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.
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/?p=2024 (https://hawsfederaladvisors.com/getting-the-most-of-fegli-federal-employee-group-life-insurance-the-ultimate-guide/) Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Here is a great law firm that handles federal disability and workers compensation issues. https://federal-law.com/ Contact: karie@federal-law.com Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Full Article: https://hawsfederaladvisors.com/?p=1959 (https://hawsfederaladvisors.com/buying-back-military-time-the-ultimate-guide/) Check out the full article here: https://hawsfederaladvisors.com/blog/
Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/the-fers-supplement-the-ultimate-guide/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/tsp-vs-ira-the-ultimate-guide/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
OPM PDF for fire fighter hours: https://www.opm.gov/retirement-services/publications-forms/benefits-administration-letters/2001/01-107a.pdf Check out the full article here: https://planyourfederalbenefits.com/blog/
Submit a question here: https://planyourfederalbenefits.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/"
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/tsp-vs-ira-the-ultimate-guide/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://hawsfederaladvisors.com/blog/ Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://hawsfederaladvisors.com/work-with-us/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://planyourfederalbenefits.com/blog/ Submit a question here: https://planyourfederalbenefits.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/"
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://planyourfederalbenefits.com/blog/ Submit a question here: https://planyourfederalbenefits.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/"
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://planyourfederalbenefits.com/blog/ Submit a question here: https://planyourfederalbenefits.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/"
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://planyourfederalbenefits.com/blog/ Submit a question here: https://planyourfederalbenefits.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/"
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://planyourfederalbenefits.com/blog/ Submit a question here: https://planyourfederalbenefits.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/"
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://planyourfederalbenefits.com/blog/ Submit a question here: https://planyourfederalbenefits.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/"
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://planyourfederalbenefits.com/blog/ Submit a question here: https://planyourfederalbenefits.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/"
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://planyourfederalbenefits.com/blog/ Submit a question here: https://planyourfederalbenefits.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/"
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
I am a practicing financial planner, but I'm not your financial planner. Don't take what I say as specific advice for your situation. Please consult with your own tax, legal and financial advisors.
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://planyourfederalbenefits.com/blog/ Submit a question here: https://planyourfederalbenefits.com/question-submission-page/
My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/"
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/c/PlanYourFederalBenefits (https://www.youtube.com/c/PlanYourFederalBenefits)
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg
Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/
Dallen Haws at Haws Financial Planning Sierra Vista, AZ
Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Website Link: https://planyourfederalbenefits.com/your-fers-retirement-pension-calculator/ Check out the full article here: https://planyourfederalbenefits.com/blog/ My YouTube Channel: https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg (https://www.youtube.com/channel/UCOVfyrVDS83jgo97HM0bmNg) Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ The TSP can be a powerful wealth accumulation tool, especially when used wisely. Here are the top three mistakes that Feds makes with their TSP.
Not Starting Early When it comes to investing, time and compound interest are key. When those two things get together, the results can be incredible. That is why it can be so powerful to start investing early in your career.
Here is a simple example to emphasize this point:
Let’s say a Fed who makes 50k per year starts investing at age 35. He contributes 5% of his salary and his agency matches his 5%. This means that he puts about $208/ month into his TSP and his agency adds another $208/month. Let’s say he continues to do this without increasing his contribution for the next 30 years. Assuming a 7.5% return, he’d retire with over 500k at age 65.
Pretty cool right? Now let’s change just one variable in this equation. Let’s say that he started investing 10 years early at age 25 instead of age 35. That one change changes his ending balance at retirement to almost 1.2 million dollars!
That is the power of investing while you are young. Even if you can’t invest very much, start as soon as possible!
Not Understanding The Funds Especially for a newcomer to investing, the TSP funds can be daunting and confusing. That being said, understanding at least the basics can pay off big over the long haul.
The first thing that a Fed should know is when to be aggressive and when to be conservative. When a federal employee is young and early in their career, they should be investing primarily in the C,S, and I funds. These funds are stock funds and will grow much faster than the F and G funds. Many Feds regret spending way too long in their early career in the G fund. While the G fund does protect you from losing money it also protects you from making much at all.
But as an employee approaches retirement, it often makes sense to get more conservative. This way, their account balance won’t be bouncing too much when they need to start drawing money out.
For those that don’t want to worry much about their TSP investments, the L funds might make sense for you. The L funds are designed to automatically get more conservative as you approach retirement. They aren’t a perfect solution for , but they are the government’s best guess at a one-size-fits-all approach.
With all that being said, the best investment strategy is what makes sense for your personal situation so make sure you do the research to understand your options.
Panicking In Downturns Downturns in the market can be scary especially when our life savings are involved. That being said, we have to make sure that our decisions are rational. Market downturns are a very normal part of the economic cycle and the great investors know that downturns are the best time to invest. For most Feds it makes the most sense to just ride out the waves and stick to their long-term investment strategy. Statistically, someone that just buys and holds will do much better over time than someone who is trying to time the market. Like the famous saying goes, “it is not about timing the market, it is about time in the market.”
Conclusion: Because of the wealth building power of the TSP, many Feds become millionaires every year. The vast majority of these millionaires aren’t made through luck or winning the lottery. They are made by consistent effort and patience.
Check out "Building Wealth in The TSP" on Amazon: https://amzn.to/2FytP9W Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ The question that we all want to know the answer to is: How much money will be coming my way once I retire? And is it enough? These questions have been asked by millions of Feds and getting the right answers can be a deal breaker in planning your retirement.
As an employee under the FERS, you will have income from three main sources. 1. Federal Pension/Annuity 2. Social Security 3. Your TSP
These are commonly called the 3 legs of your retirement stool.
A great place to start is with your fixed income or your pension and Social Security. Once you have a ballpark on your monthly fixed income, you’ll know how much you’ll need from your TSP to cover your standard of living.
Federal Pension/Annuity
If you have some years before retirement, a good estimate of your pension is a great start. If you are eligible for an immediate annuity, you can estimate your pension with the following formula:
High 3 x Years of Creditable Service x Your Multiplier
Your multiplier will be 1% unless you retire at age 62 or older with at least 20 years of service, at which point your multiplier would be 1.1% (a 10% raise!).
For example, if you are have 20 years of service, a high three of $100,000, and retire at age 63, your calculation would look like this:
$100,000 x 20 x 1.1% = $22,000
This means that your gross pension would be $22,000 every year or about $1,833.33 every month. Your gross pension would then be decreased by any of your insurance premiums (FEHB, FEGLi, ect) and other things like taxes and your survivor annuity if you elect it. Make sure you do the math for your situation to know what your net pension will be.
Once you get about a year out of retirement, you should request an annuity estimate from your agency to make sure their records match yours. It is not uncommon for them to make mistakes.
Social Security The equation to calculate your Social Security benefits is very complex so the best thing to do is to go to ssa.gov and request a copy of your Social Security statement. On the top right hand corner will be an estimate of your monthly benefit at full retirement age. Your full retirement will be somewhere between 65-67 depending on your birth year.
The challenging part about Social Security is knowing when to turn it on. The earliest you can start benefits is 62 and the latest is 70. For every month you start your benefits before your full retirement age, your benefits will be decreased. However, for every month you wait to start your benefits after your full retirement age, your monthly benefit will be increased. There is no cut and dry answer on when is the best time to to start but the things to consider are your life expectancy, financial needs, and your personal situation.
If you retire early, you may find it difficult to wait until your full retirement age to start your benefits. You will want to be careful to not deplete your TSP too much in the meantime. The best case scenario is to make these decisions long before you retire. This way you have plenty of time to know how you are going to handle every stage of retirement without stressing your finances.
Note: If you retire before age 62 with an immediate retirement, you will be eligible for the Social Security supplement or FERS supplement. While this benefit only lasts until age 62, it can help to bridge the gap between retirement time and when it makes sense to start Social Security.
Your TSP Everyone wants to know how much they need in their TSP in retirement. Again, there is no perfect answer for everyone. If there was, it would make my job as a financial planner much easier.
Once you
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://planyourfederalbenefits.com/work-with-us/ (https://planyourfederalbenefits.com/work-with-us/)
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ The TSP is a great retirement saving tool, but how does it stack up next to other plans in the private sector such as a 401(k)?
Let’s dig into it.
In January of 2020 the average TSP balance was $138,933 while the average 401(k) balance was $112,300. The market has seen some turbulent times since then but it is very likely that the average TSP balance is still way ahead. This one fact tells us a lot about how well these plans function.
The TSP does a few things extremely well that make it hard for most 401(k) plans to keep up.
The Match-The government offers up to a 5% match. This is free money that all eligible feds should be taking advantage of. If a 401(k) plan has a match at all, it is very rare for a company to be as high as 5%. Most matching plans are around 3%. The Fees- It is not uncommon for participants in a 401(k) plan to pay 1% between fund fees and advisory fees. Federal employees on the other hand, pay between 0.026% and 0.039% depending on what funds they are in. That means that someone in a 401(k) with a 1% fee is paying 25-38 times what feds are every year. 1% may not seem like that much but it really adds up over the years.
Let’s do a quick example. Say one person invested $500 a month in funds that earned 8% per year. He kept investing for 40 years. At the end, he’d have more than 1.6 million dollars. But if he would have paid a 1% fee every year, he would have only ended up with about 1.2 million dollars. That is a difference of $400,000 over a career!
Now, I do want to mention that all fees aren’t bad. I often charge fees in my work as a financial advisor. Just like with everything else, it comes down to what you are paying compared to what you are getting. If you find value in the services you receive then by all means pay the fee. Just make sure you understand the fees you are paying and what you get in return for those fees.
The Funds- The TSP funds are a head and shoulders above most 401(k) plans because of their simplicity. Because most employees struggle to know how to invest, the simpler the better. For the average Joe, these 5 funds are plenty to build a solid portfolio.
When you put all these advantages together, the TSP becomes an impressively powerful retirement planning tool. Now, I am not saying that 401(k)s are bad, because they aren’t. All I am saying is that it is very hard to find a retirement plan that trumps the TSP.
All that being said, the TSP is merely a tool. And just like any tool, the TSP is absolutely useless until you start using it. Those that truly understand the merits of the TSP are those that invest into it often and consistently. And it is not a surprise that these same people are generally the ones who become TSP millionaires.
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/)
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ The TSP has served you well over a long career but now it is time to retire. My retiring clients often say things like “Is the TSP still the best option in this new stage of life? Some people talk about moving it to an IRA, but all I’ve known is the TSP. I’ve done well enough investing my TSP during my career but I really don’t know how I should invest in my retirement.”
Unfortunately, there is no black and white answer. There is not one single answer solution that fits the needs of every single federal employee out there. Everyone, (that means you too) needs to educate themselves enough to know the basic pros and cons of this decision because it can make a big difference over a long retirement.
To get you started, here are some things to consider.
IRA? An IRA is a great tool and is widely used by those working in the private sector. It is less common among feds however, because of their ability to access the TSP.
The main advantages of an IRA in retirement is the flexibility. You much more wiggle room with withdrawal options as well as investment options. The one potential problem that comes with more choices is the complexity. The TSP’s strength lies in the fact that it is so simple and easy to use. There are limited investment options but they meet the needs of most feds just fine. Not to mention the fees are incredibly low. If you want to have more flexibility to withdraw and invest funds in more complex ways and you don’t mind paying a little more to invest in private sector funds then maybe an IRA is the right choice.
It is important to note that many financial advisors will tell you to roll your TSP into an IRA. This is not always a bad thing especially if you’d like your advisor to manage the account for you. Just remember that most advisors get paid to manage money. The more money they manage, the more money they make. Because advisors can’t directly manage your TSP they will often advise you to simply roll it out into an IRA so that they can manage it.
Now, I am not saying that all financial advisors will throw your interests aside just to make more money. There are many advisors out there who truly put their clients before themselves. As an advisor myself, I have definitely seen both the good and bad in the industry.
My advice to you is to not be afraid to ask your advisor when you don’t understand why he/she advises a certain way. An advisor that is worth their salt will be able to walk you through the reasons why a certain action makes the most sense for you in the long run.
How to Invest During Retirement Investing during retirement is often crucial to ensure that your money lasts longer than you do. Not only are you trying to make your money last but you are also trying to beat inflation and maintain your standard of living. Assuming an inflation rate of 3%, it takes about 25 years for the value of your money to be cut in half. Many retirements these days last at least 25 years.
Now I can’t say exactly what investment strategy is the best for you but I can give some general advice. The major difference in investing strategies between feds depends on how much of your TSP you need every year, your other income sources (Social Security, Federal Pension, ect), and your timeline and goals.
A good way to approach retirement investing is to think about 3 different buckets. The first bucket is your cash bucket. This is the bucket that you will be drawing from to fund your living expenses. You will always want 3-5 years of living expenses (whatever isn’t covered already from other income sources) in your cash bucket so that you can wait out any down markets without having to sell your investments when they're low. This cash bucket gives you security and...
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/)
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ The corona-induced stock market slide nearly cut the number of TSP millionaires in half at the end of March 2020. This slide has made many rethink their investment plans and philosophies.
After years of incredible returns in the stock market, it almost seemed like it would never end. But as we are now reminded, down markets are part of the economic cycle and it is only a matter of time until one comes. Whether it is caused by a mortgage crisis, the coronavirus, or anything else, they will come.
I think it also important to note that down markets are not always a bad thing. Obviously we never like to see how TSP balances go down but it is a great time to invest more to take advantage of the lower prices. The stock market is the only place where many people freak out when there are sales. It may sound counterintuitive but most fortunes are made during a recession.
I have to note however, that a down market can be a really bad thing if someone was investing in a way that didn’t match their risk tolerance or time horizon. If someone was investing too aggressively with money that they’d need in the short term then they could find themselves in trouble. That is why it is so essential to understand how investing works and to have a plan in place.
I am sure that many TSP millionaires are bummed if their balance dropped below the million dollar mark. However, I am sure that many of these millionaires are looking forward to the opportunities that a down market presents. TSP millionaires understand that the most important thing in investing is time and consistency. They know that there will be ups and downs (because they’ve lived through many of them) and it is important to stick to their long term plans and not make rash decisions. The market will recover and the TSP will come back up and TSP millionaires understand that now is not the time to go 100% in the G fund.
Now, I do want to reemphasize the importance of a plan. The best investment allocation and strategy often depends on someone’s age and retirement plans. You will want to have a plan on how you are going to adjust as you progress throughout your career and approach retirement. It also pays to have a plan on how you are going to handle your TSP in retirement itself. By having a plan, it makes it much easier to remember your long-term goals and to not make emotional decisions in a down-market.
Whether you are a TSP millionaire or not, every investor should focus on investing basics: time and consistency. Markets will go up and down but the best investors know what to focus on and what to ignore. Focusing on the basics not only improves investing outcomes but also the quality of your sleep at night.
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/)
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/) In these articles and with my clients, I hound on the importance of having a plan for the future. A plan gives us direction and clarity even in turbulent times. And especially for major things such as retirement, a plan makes all the difference. But that being said, I think it is valuable to remember this famous war-time quote: “No battle plan survives first contact with the enemy”. And while retirement is not a war (even if it feels like one), the same principle applies. We may have the most detailed and specific retirement plan in the world but the moment something changes, whether it is inflation, taxe rates or a market crash, most plans go out the window. All the assumptions that the plan was based on have now changed and the plan becomes worthless.
But my hope is not to discourage planning. Planning is still incredibly important but not for the plans sake. When we plan, we actively think and prepare for the future. We ponder on what options are available and what makes the most sense. We weigh pros and cons to then make the best decisions that we can.
And then things change. And things will change because change is the only guarantee we have. And when things change, our plan may go out the window but because we have already gone through the planning process, we are well equipped to choose between the new set of alternatives. We have already decided on what is important to us and we are able to build a new plan that realigns us with our goals.
Where people get into trouble is when they never take the time to think deeply about the future and educate themselves on what is out there. And because they are not proactively preparing for the future, they are tossed around with every change that comes their way. Instead of deciding where they want to go and constantly working and adjusting to get there, they are passively waiting for life to happen to them.
But the good news (and the bad news) is that we are all a blend of the prepared and the unprepared. In some areas of our life, we may be on top of the world and fives steps ahead of everyone. But in other areas, we may be lagging behind.
In volatile times, plans may be worthless but planning is everything. It is those that plan that are prepared for no matter what comes their way. Whether that be the next tornado, coronavirus, or housing crash.
But we all have a new chance every single day. Regardless of where we are at with your relationships, health, or retirement planning, we can all have an opportunity today to be a little better. A little more prepared.
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Federal employees are promised an incredible retirement package and many feds think through every detail to make sure they are ready to stop working. That day finally comes and they submit their retirement application, but the transition isn’t as smooth as imagined. First, some of their retirement application forms are rejected because of a white out and then OPM has to go back and forth with your agency to verify your FEHB enrollment. The process gets messy and drawn out.
Most feds don’t realize how much of their retirement benefits are riding on that fact that their retirement application is filled out correctly. Not to mention that many of the decisions you make on the application will affect the rest of your life.
With all that being said, here are a number of things to think about when filling out your retirement application:
One of the biggest mistakes on applications are typos and areas left blank. For example, part of the application asks about a spouse or former spouse. This area has to be filled out even if an employee doesn’t have a spouse. You will want to ensure that everything is filled out and up to date.
Some key information that has to match what your agency has on record is your name, date of birth, and social security number. As I mentioned, no scratch-outs or white-outs will be accepted.
A married applicant has the chance to elect a survivor annuity for their spouse. This decision is very important. It will determine how much of your pension your spouse will continue to receive if you were to pass away. If you choose anything less than a full survivor annuity, your spouse will have to sign a consent form that is notarized and included with the application. Also, if you choose to not elect a survivor annuity at all, your spouse would not be able to continue under your FEHB once you pass away. This one decision can have huge consequences throughout your retirement.
Because health care costs have increased dramatically in recent years, your FEHB benefit has become an essential part of most retirement plans. In order to keep FEHB in retirement, you must have been enrolled during the 5 years before retirement. You will want to make sure there is documentation in your application that shows that you were covered during that time. Oftentimes, your agency will have documentation only for your most recent enrollment decision. If you made a change with the last 5 years, make sure you are able to show evidence of previous enrollments as well.
Conclusion: Although this list is far from being comprehensive for all the retirement application mistakes, it should serve as a reminder to pay attention to the details. There are many decisions in life that don’t have a huge impact on our future but retirement decisions are not one of them. The good (and scary) news is that we have the power to educate ourselves and take responsibility for our retirement and futures. The government does provide tremendous benefits but it is still your responsibility to ensure that you use those benefits the best you can.
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/) We all have heard the common regret of “I wish I would have started investing earlier”. Or “If only I knew then what I know now”. But unfortunately, there is nothing we can do to change the past. Fortunately, we can learn from our own past as well as the past of others to make our future bright despite our mistakes.
And because we all hear the regretful almost-retiree talking about starting earlier, I figured it could be helpful for all of us to see an example of why investing early and consistently makes such a difference. Or in other words, why it pays to be the tortoise instead of the hare in the race of an incredible retirement and a robust TSP.
In this example, our tortoise fed is named Julie and our hare fed is name Robert. They both start their careers at 27 and both make $75,000/year. We’ll assume that their salary stays the same for their entire career to keep the numbers easy. Julie, right out of the gate, decides to invest 10% of her salary into the TSP. She got used to living on the lower amount and never thought much about it. Robert, on the other hand, decides that he is very far from retirement and will opt out of the TSP for now.
Now let’s fast forward 10 years. Both Julie and Robert are 37 and they both think about their TSP again. Julie realizes that she has already accumulated $169,781 (we’ll assume a 8% return for this entire example) and is pleasantly surprised. Robert talks to Julie and realizes that he really needs to start using his TSP. He decides to take a pretty drastic cut to his lifestyle to start contributing 10% of his salary into the TSP as well.
Fast forward 10 years again. They are both 47 and Julie now has $536,325 in her TSP and Robert has $169,781. They talk again and Robert gets fiercely competitive. He wants to contribute more than Julie so he takes another drastic cut to his lifestyle and starts contributing 20% of his salary into his TSP. Julie decides to stick to her 10%.
Fast forward 10 years one last time. They are both 57 and Julie is ready to retire. She has accumulated a whopping $1,327,666 in her TSP and she has plenty to cover the gap between now and when she starts drawing social security at 70 so that she can get higher social security payments. She is confident in her retirement and her financial freedom. She buys a vacation home and lives a comfortable life.
Robert has done pretty well too. He has accumulated $649,643 in his TSP but decides to work a few extra years because he doesn’t want to eat through a major portion of his TSP trying to fill the gap before he starts social security. He too has a good retirement but definitely doesn’t have the same cushion and freedom that Julie now enjoys.
In the end, Julie ended up with more than twice the amount of retirement savings than Robert but this is not very surprising by itself. The surprising part shows up when we look at how much they each put into the TSP themselves. This charts makes it a little easier to see:
Both Julie and Robert contributed the same amount to their TSP accounts during their careers but when they contributed it made all the difference in the world. Julie was consistent the whole time while Robert had a late start and rushed to catch up near the end.
And while the details and amounts are different, I have seen this same story play out over and over again in real life. There are those feds that start early and stay consistent and are pleasantly...
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Federal employees under the FERS system enjoy a benefit that is rare and relatively unknown. Even the CSRS system doesn’t have anything comparable. It is called the FERS supplement, the Social Security Supplement, or even the Special Retirement Supplement. Let’s dig into how it works.
Because the earliest age you’d be eligible for social security is age 62, this supplement is meant to bridge the gap of retirement income for those who retire before age 62. For example, Bobby retired at age 57 and started to receive his pension income, but it was not enough to cover all his living expenses. The earliest he could start drawing social security is 5 years away at age 62. If Bobby was eligible, he would receive this supplement during those 5 years to bridge the gap.
However, not everyone is eligible.
To qualify for this benefit, you must:
-Be under FERS -Retire with an immediate annuity (not a MRA+10). -Be younger than age 62
Basically, the two groups that would qualify are those that retire with 30 years of service at their MRA (minimum retirement age) or with 20 years of service at 60 years old. You would be eligible for an immediate annuity at age 62 with at least 5 years of service but you would not be eligible for this supplement because it stops at age 62.
Now, the big question is, how much does this supplement pay out?
While the real calculation is quite complex, you can get a good estimate with this formula:
(Years of Creditable Service / 40) x (Your Social Security Benefit at age 62)
As you can see, you will need to have an estimate of your years of service at retirement as well as your age 62 social security benefits. At the top of your social security statement (if you don’t have one you can get one from the SSA.gov) is your benefit amount at your full retirement age (between age 65-67) but your age 62 benefit will be a lower amount found on page 2 of your statement.
Let’s do an example. Let’s say you have 30 years of service and your age 62 SS benefits will be $1,200. The formula would look like this:
(30/40) x $1,200 = $900
As you can probably tell, unless you have 40 years of service, this supplement will not fully replace your full social security benefits. You will want to make sure that you have other sources of income (ie your TSP) to cover any other needs that your pension or this supplement doesn’t. You will want to be careful however to not deplete your TSP balance too much especially so early in retirement.
Using this supplement does not force you to start social security right at 62. You can still choose when to turn it on (between ages 62 and 70) and it is a whole other conversation to decide when is the best time to start for you. Suffice it to say that it makes a big difference when you start it and that decision should not be taken lightly.
I also have to note that this supplement is treated in very similar ways as regular social security benefits. Meaning, it is subject to reductions and taxes. In efforts to keep this article digestible, I won’t go into the weeds too far but just know that if you earn income over certain amounts while receiving this supplement, your supplement can be reduced and a portion of it can be taxable income.
Conclusion Just like all of the FERS benefit, The Social Security Supplement can be a great benefit especially if you understand how it works well enough to get the most out of it. A little pre-retirement planning can go a very long way in setting yourself up for success down the road.
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/) Taking social security early is an attractive option especially for feds. Many federal employees retire in their early sixties and it just seems to make sense starting social security at 62. And for some people this truly is the best option. But in my opinion, many people that start benefits at 62 don’t understand all the ramifications that come with it. Let’s get into it. Reduced Benefits This is probably the most well known downside of starting benefits early. If your full retirement age is 67 (your full retirement age is based on the year you were born) and you start benefits at age 62, your benefits will be decreased by 30%.
For example, if your benefit is $2,500/month at your full retirement age, you’d only receive $1,750/month if you start benefits at 62. This reduction is permanent and will continue for the rest of your life.
And the closer you get to your full retirement age before you start, the higher percentage of your benefits you’ll be eligible for as seen in the chart below (based on a full retirement age of 67).
https://www.elderneedslaw.com/blog/when-to-take-social-security-retirement-benefits (https://www.elderneedslaw.com/blog/when-to-take-social-security-retirement-benefits)
And as you might have noticed from the chart, if you are able to delay drawing benefits until after your full retirement age, you will be eligible for an even higher monthly amount.
For example, if your full benefit is $2,500/month but you are able to wait until age 70 to start drawing, you will be able to receive $3,100/month.
The obvious downside for delaying benefits however is that you might need an alternative income source while you wait. You will want to be careful to not deplete your retirement savings too much (ie your TSP) during this waiting period if you decide to delay benefits. Working at The Same Time Another thing that many people don’t realize is that before your full retirement age for social security, if you continue to work, your benefits will be reduced if you make over certain thresholds. In 2020, for every $2 that you make over $18,240 (the 2020 threshold) your benefits will be decreased by $1.
For example, let’s say a federal employee retired from federal service at 62 at which point he decided to start social security. But to keep himself busy he decided to work part-time from which he makes $40,000/year. Because he is not yet his full retirement age for social security purposes, his social security will be decreased because he is making over the 2020 threshold of $18,240. He made $21,760 over the threshold so his social security benefits will be reduced by $10,880 the next year.
Once you reach your full retirement age then your benefits won’t be reduced regardless of how much you make.
While many feds don’t plan on working in retirement there are many that might to give their retirement savings a little more padding. Regardless of your plans, make sure you understand the social security ramifications so that you don’t have any surprises along the way.
Survivor Benefit When you decide to start social security early, it not only reduces what you get when you are alive but also what your spouse is eligible for if you were to pass away first.
Both spouses may be eligible for social security but once one spouse passes away, the surviving spouse can only keep one of the benefits (whichever one is higher).
For example, let’s say you are...
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ This is the sort of topic that I hope stays theoretical for my readers. That being said, it is important to know how FERS disability works in the unfortunate circumstance that you or someone you know might need it. Because federal employees are not covered by workers comp as most people in the private sector, the requirements and benefits are unique to feds.
The rules are slightly different between the CSRS and FERS systems. This article will focus on the FERS system.
Are You Eligible? You have to have at least 18 months of service in a position that is paying into the retirement system. The disability can come from an injury or a disease and includes both physical and mental disabilities. You must notify your agency and they must not be able to accommodate your disability in your current position or within any other open position in the same pay grade for which you are qualified.
If you wish to be eligible for FERS disability retirement, you must also apply for Social Security disability. Even if you aren’t approved under Social Security, you still may be eligible under FERS.
You can apply while you are still on the job or within 1 year of leaving federal service. It may be wise not to leave federal service until you give your agency plenty of time to make accommodations for you. If you leave before giving them time to do so, you may risk OPM rejecting your application.
To improve your chances of being approved for disability you will want to have thorough medical documentation of your disability as well. Even if you are terminated because of your disability it is not guaranteed that you will be approved for disability retirement. It often comes down to how convincing your medical documentation is.
The Retirement Benefits If OPM approves your application, you will be eligible for disability retirement benefits which will be calculated based on your age and years of service.
If you meet one of the following requirements, your disability benefits will be calculated almost the same as if you were to retire normally.
Age 62 or older with less than 20 years of service Younger than 62 but qualified for an immediate retirement
If you meet one these two requirements above, your benefits will be calculated as follows:
High-3 x 1% x Years of Creditable Service
If you are 62 or older and have more than 20 years of service, your formula would be:
High-3 x 1.1% x Years of Creditable Service
If you are younger than 62 and aren't eligible for an immediate annuity your benefits are calculated 3 different times in 3 different ways.
1st Calculation-First 12 Months For the first 12 months of your disability retirement, your benefits will be 60% of your high-3 minus any Social Security benefits that you receive. If your “earned” annuity would be higher than this amount then you will get that amount instead.
2nd Calculation-After the First 12 Months After the first year your benefits will change to 40% of your high-3 minus 60% of any Social Security benefits that you receive. If your “earned” annuity would be higher than this amount then you will get that amount instead.
3rd Calculation-At Age 62 At this point your benefits will change to the amount that you would have received if you would have kept working until age 62. If your years of service and disability time are less than 20 years than your formula would be:
High-3 x 1% x Years of Creditable Service
If your years of service and disability time are at least 20 years than your formula would be:...
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/) Do I have enough in my TSP? Or do I have enough to retire? I get these questions all the time and understandably so. Everyone wants to know where they stand but interestingly enough, I hear the same concern from those with 100k in there TSP as well as from those with 2 million. And what makes it so difficult is that for some 100k is enough and for others 2 million may not make it through retirement.
What makes this question so hard to answer is that everyone’s retirement plans, goals, and needs are very different. Some people have no consumer debt, no mortgage, and all their expenses are covered by their pension and social security. They really don’t need much if any from their TSP in retirement other than fun money. Others may still be paying off their mortgage or may have higher lifestyle goals in retirement. Everyone has a different idea for what an ideal retirement looks like but the tricky part is knowing if your finances can support your choices.
Many people have been using the 4% rule to give them a place to start. For those that haven’t heard about this rule, it basically says that you can conservatively withdraw 4% of your retirement savings every year and not have to worry about running out of money. So for someone retiring with $400,000, 4% would be $16,000/year or about $1,333 per month.
They have even tested the 4% rule for retirees that lived through all of the market crashes in the last 2 decades and it has still worked great.
That being said, not everyone can afford to only withdraw 4% of their TSP every year. But the good news is that the 4% rule is very conservative and many people can withdraw more and still not run out of money.
For example, a popular investment allocation for retirees (note: just because it is popular doesn’t mean it is right for you, but it may be) is to invest in 60% stocks and 40% bonds. Or in TSP language, 60% in C,S, and I funds and 40% in the F and G fund. And the long-term return of this allocation is between 7%-8%. So technically, if you earned 7% every year you could withdraw that same amount without touching your principle.
For example, let’s say you retire with $400,000 in your TSP and you earn 7% per year. That means that if you withdraw $28,000 (7% of $400,000) every year, you'd still have your initial $400,000 at the end of retirement.
The problem though is that real life is never that simple. A 60/40 (60% stocks and 40% bonds) portfolio may have an average return of 7%-8% but one year may be 2% and the next year 14%. If someone was to withdraw 7% in a year that only made 2%, they may be tapping into some of their original investment which then would not be around to grow the following year. Overtime, this could seriously deplete your retirement savings depending on what the market does in years to come.
As you can see, this is why it becomes so difficult to answer the question of “do I have enough?” Because often, it simply depends. It depends on your needs, the market, interest rates, tax rates, and much more.
This is why the 4% rule has become popular. It is simple and conservative with a solid margin of error. And this is the type of strategy that makes sense for most feds. Now, I don’t mean that everyone should use the 4% rule specifically. I simply mean that everyone needs to find a strategy that makes sense for them and at the same time is simple, conservative, with a good margin of error. This way you will be...
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ It is very common for federal employees to have served at least a portion of their career in the military. If someone is not receiving military retirement pay, they are most likely eligible to buy back their military time to be included in their federal service. This is how it works. Your retirement pension under civilian service is calculated by the following formula:
High 3 x Creditable Service x Multiplier
For example, if you are under the FERS system, have 24 years of service, and a high-3 of $110,000, then your pension calculation would look like this (assuming you were under age 62 at retirement time or else your multiplier would be 1.1%) :
$110,000 x 24 x 1% = $26,400 or $2,200 Per Month
When you buy back military time, that time is added back into your years of creditable service and thereby increasing your monthly pension. Using the same example as above, let’s say you decided to buy back your 6 years of military service which would then be added into your years of service. Your new pension calculation would look like this:
$110,000 x 30 x 1% = $33,000 or $2,750 Per Month
That is an extra $550/month or $6,600 per year, but the true difference is apparent when we look at the change over an entire retirement. Assuming you are retired for 30 years, that one decision to buy back your military time will put an extra $198,000 in your pocket.
Not only can buying back military time add to your pension, it can also allow you to retire earlier. You probably already know that there are certain requirements of creditable service to be eligible for an immediate annuity/pension. For FERS, this is 30 years at your MRA (Minimum Retirement Age), 20 years at age 60, or 5 years at age 62. Bought back military time can put you over those limits in some cases.
For example, let’s say you had 18 years of service at age 60 and decided to buy back 3 years of military service. That would give you a total of 21 years which would make you eligible for an immediate annuity right now without working another 2 years. It doesn’t always make sense to retire as soon as you possibly can but this will at least give you more options.
The Cost Sounds great so far, right? Now, let’s talk about what it costs.
You must make a deposit to your agency to get civilian credit for your military service. The amount of this deposit is calculated with the following formula:
Total Military Base Pay x Multiplier (about 7% for CSRS and 3% for FERS) = Deposit
For example, let’s say you had 5 years of military service and your base pay for all 5 years was $30,000. Your calculation would look like this if you were under FERS:
$150,000 x 3% = $4,500
Wait, there’s More This next part is why it pays (literally) to buy back your military time as soon as you decide it is a good idea for your plan. Once you are hired for civilian service, you have 3 years to pay the deposit before any interest starts to accrue. Every year after this 3-year grace period it will take a little more to buy back your military time. The amount of interest varies each year but it is not uncommon for feds to pay 2-3 times more in interest than their original deposit. The moral of the story is to buy back your military time as soon as possible.
Even when someone does wait a very long time to buy back their military it often still makes sense to do so. As we saw in the example at the beginning of this article, buying back time made a difference of almost $200,000 over a retirement. There are very few cases where it doesn’t make...
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/) In my day job as a financial planner, I speak with a ton of feds within a couple years of retirement who are cramming money into their TSP as fast as they can. They are all trying to make up for lost time and do some last minute prep. I have to admit though that in some areas of life, last minute cramming is my go-to method. Like taking tests in college. I knew that I would forget much of what I studied if I prepared too far in advance, so I just waited until the last minute.
The bad news though, is that the 11th hour cram doesn’t work that great in retirement planning. To be honest, it actually doesn’t work much at all. 11th hour retirement planning is less planning and more just finding out if you have to work longer than you want or not. It becomes less about creating your dream retirement and more about accepting whatever benefits you can get.
And the worst part about last minute prep is not that your retirement benefits probably won’t be as good as they could be but that you are leaving a huge portion of your life up to chance. Will you be able to afford your dream lifestyle and maybe that boat as well? Maybe? I don’t know but do you?
The best thing to do is to start now. Wherever you are at in your career. Start by thinking about what kind of retirement you want and then we can plan backwards from there.
Now I know that some people don’t like the word retirement because they honestly don’t know what they’d do if they didn’t have work everyday. That is totally okay. At least for me, retirement is much less about not working and much more about not having to work. So for those that don’t like the word retirement then we’ll call it the day that works becomes optional.
Regardless of what we call it, think about what an ideal day looks like for you. What would you like to do or to see? What would you like to not do ever again? Who would you like to spend your time with? Do you want to travel the world? Golf 6 days a week? Read for hours a day? Buy a beach house? And for many of us, it may be hard to describe a perfect day. That is okay. For some, the most important thing they want in retirement is the ability to do whatever they feel like in the moment.
These types of questions are the backbone of the retirement plan that I build with my clients and should be a big part of yours as well. Because when it comes down to it, no one really cares about how much money they have in retirement or in life. What we actually care about is what kind of life we are able to live and create for our family. If we are able to enjoy a life that we absolutely love, then we don’t really care about how much money we have in the bank.
Now, I am not saying that we shouldn’t be prepared financially. All I am saying is that we prepare financially to create an incredible life. Not the other way around.
Once you have an idea of what you’d like your life to look like, then we can start finding the best strategies to get there. This is when we start looking at your TSP, pension, social security, and all your other benefits to maximize and optimize them for your goals. But these are just tools not the end goal. Even if I found the perfect TSP allocation and made 5 million dollars in the stock market. It would matter at all if I wasn’t happy at my job or in my relationships.
My hope with this article is that a few more feds will be a little better prepared for retirement. And maybe they will be a...
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Phased retirement is a relatively new concept as it was authorized starting in November of 2014. Because of its novelty, few Feds understand how it works and how it affects their retirement benefits. Let’s dig in.
How it works Phased retirement is a completely voluntary thing that must be chosen by an eligible employee and then authorized by their agency. Individual agencies have the discretion to decide who they’ll approve as well as what type of positions would be eligible. During phased retirement, an employee would be paid proportionally depending on the amount of time they were working. For example, you’d be paid 50% of your salary and 50% of your pension if you were working half-time. This gives employees the opportunity to dip their toes into retirement instead of all at once. The advantage for the agency is that they have a few more years to access the decades of knowledge and experience that their senior employees have.
For an employee to be eligible they’d have to qualify for immediate retirement. For CSRS employees, this means age 55 with at least 30 years of service or age 60 with at least 20 years of service. For FERS, this means your MRA (minimum retirement age) with at least 30 years of service or age 60 with at least 20. You must also have worked full time for the preceding 3 years before applying for phased retirement.
If an employee has 5 years of service at age 62 (although they would be eligible for an immediate retirement) they would not be eligible for phased retirement. The other types of retirement that aren’t eligible for this program are early, disability, discontinued service or deferred retirement.
It is also important to note that if a Fed was to accept a buyout to retire, they would not be able to go into phased retirement. If someone is already in phased retirement however, they would be able to accept a buyout if offered one to transition to full retirement.
The laws that allow phased retirement authorize working between 20%-80% of full-time, or 1-4 days a week. OPM does require however, that the beginning of phased retirement (the exact amount of time is not specified), be at half-time.
One of the requirements of phased retirement is that the employees spend at least 20% of their time mentoring their fellow employees. It doesn’t have to be the employee that will fill their spot when they are gone but it is definitely encouraged. It will be your agency’s responsibility to monitor this mentorship.
How Your Benefits Affected For the most part, your benefits are treated as if you are an active employee and not as a retiree. Your FEHB and FEGLI remain under your agency and the premiums can still be paid with pre-tax dollars (right out of your paycheck). You would still be able to contribute into the TSP and receive matching contributions as you were before phased retirement as long as your agency permits it. FSA’s, FEDVIP, and the Federal Long Term Care Insurance Program are unaffected by phased retirement status.
You will still continue to accrue sick and annual leave but the amount will be prorated based on how much you are working. Any lump sum payments or additions to creditable service calculations that occur at retirement with unused leave will be postponed until you move into full retirement.
When you enter phased retirement your pension is calculated with your creditable service and high-3 at that point in time. Once you end phased retirement and move into full retirement, your pension will be recalculated based on your new creditable service and your unused sick leave would be added in at this point. That new calculation will be the basis for your pension in full retirement.
Conclusion: If this option seems to make a lot of sense for your situation and...
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/) Back in March, I spoke to a federal employee who was pretty proud of himself. He had decided to move his entire TSP balance into the G fund a couple months earlier when the coronavirus was barely making headlines. Since then, the market had seen ups and downs of more than 30% and this Fed was sitting safely on the sidelines. He had a TSP balance of about $280,000 so a 30% drop would have brought his balance down to $196,000 (assuming he was invested 100% in the C fund). I am not sure what funds he was in before but the bottom line is that he would have “lost” a lot of money. But since he had everything in the G fund when the drop happened, his balance was safe and sound.
Some would say that this guy just saved 80k. But I would say that this guy will probably lose a few 100k in the process. Let me tell you why.
Don’t Believe Fortune Tellers
The problem with selling right before a “down market” is two fold. First, it is very difficult to predict a down market. Second, now that you moved everything into the G fund (even if we assume that you correctly predicted a down market), when do you move it back? The only thing harder than knowing when the market will go down is knowing when it will recover.
Even professional investors have not been able to predict the market consistently. Anyone can get lucky once and a while but doing it consistently is a different story. Warren Buffet, one of the most successful investors of all time, once said "we've long felt that the only value of stock forecasters is to make fortune tellers look good”. Even Warren Buffet who has made billions in investing, does not try to time the market.
With all that being said, I actually think it is a great thing that this fed saved 80k. Because technically, if someone could successfully time the market, they would do much better than any other strategy. All I am worried about is what he is going to do now and in the future. How much money and sleep will he lose trying to decide exactly when to make his next move. At least to me, this seems like a big gamble to make with your retirement savings.
Long-Term Success
Now, I am not always opposed to risk. When we are talking about investing, risk is always a part of the equation. The trick is to limit and manage your risk to give your savings room to grow while protecting your downside as best you can.
The good news is that as FERS federal employees, you have a leg up on most others. You enjoy both social security, a pension, FEHB, and other great retirement benefits. For many feds, these benefits will provide a great base for your retirement lifestyle with their TSP filling whatever gap is left. And the trick is to try to optimize your TSP allocation to be able to fill that gap for the rest of your life.
When you are young and early in your career, it often makes sense to put the majority of your TSP in the C, S, and I funds. And because young feds tend to have a lot of time before retirement, they don’t mind that these funds bounce around because overtime they grow at a fast rate. But as you progress through your career and approach retirement, it often makes sense to introduce more of the F and G fund. These funds won’t grow near as fast as but will provide more of the stability that you need in retirement. But even in retirement, I almost never recommend going 100% into the G fund. The G fund is safe but won’t grow enough to beat inflation and maintain your lifestyle
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Retirement can be an incredibly exciting and anxious time for many federal employees. Exciting because you may never have to work again, anxious because it can be quite the task to make sure you aren’t missing anything. Federal benefits are incredible but definitely not simple.
In hopes to make the retirement process just a bit less stressful, here are a handful of things that you’ll want to check before you retire.
Official Personnel Folder This folder, which is no longer a physical folder in most cases, contains major records about your career. When you file your retirement application, your agency and OPM go to this folder to calculate your retirement benefits. This makes it critical for you to make sure the information that is in your folder is comprehensive and accurate.
Here are a few things to check specifically:
-Date of Birth Retirement eligibility and pension are both calculated with your age as one of the variables. It is worth a check to make sure that yours is correct.
-Pay Changes Your pay may change often during your career because of position changes, step increases, and pay increases. You will want to make sure all your pay raises are accounted for and the applicable starting dates are correct as well. This will help ensure that your high-3 salary will be calculated correctly.
-Service Dates Your SF-50’s document many aspects of your career including pay and length of service. You will want to make sure that your file isn’t missing any SF-50’s from the time you were hired to the current date. Your SF-50’s are especially important because this form is what OPM uses to calculate your pension.
-Beneficiary Forms While your TSP beneficiaries aren’t stored in your official folder, many other beneficiary forms are (you have to go to the TSP website to update your TSP beneficiaries). You will want to make sure that you have updated beneficiaries for things like your pension and FEGLI.
-Health Insurance Your FEHB is one of the best benefits that federal employees enjoy. Keeping it into retirement is a really important aspect of most federal employees retirement plans. To be able to do so however, Feds must have been enrolled in FEHB continuously for the last 5 years before retirement. You will want to make sure that your folder documents your coverage well.
-Military Service If you have military service, you will want to make sure it is documented in your file especially if you plan on making a deposit for that service. If you haven’t made a deposit yet you might consider doing that soon because interest increases the cost every year. If you have made a deposit, make sure there is proof of payment in your folder.
Conclusion It may seem silly to check simple things like a date of birth, but these small details have delayed many federal employees’ retirements as they were being sorted out. The best thing to do is to make sure your records are correct well before your retirement date to give yourself the best chances of retiring when and how you’d like.
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/) Working for the government has its ups and downs, as I am sure those reading this already know. But sometimes I wonder if most feds know how good they have it. Now I know that it isn’t all sunshine and rainbows but no job is. All I am saying is that the government offers things that you can’t really find anywhere else. Benefits that many private sector folks only dream about. Let’s dig into a few. First and foremost, the benefits. Those that have been with a number of employers, know well that the government’s benefits are incredibly hard to beat. Here are some of the big ones.
FEHB(Health Insurance) Your health insurance is one of the best if not the best benefit that you enjoy. With medical costs going through the roof, having great health insurance can be a deal breaker for financial security. Not only does FEHB have hundreds of plan options to fit your unique needs but your agency also pays 70-75% of the premium. Think about it, if you pay $300/month out of your paycheck for your part of the premium, that means that that insurance plan would normally cost you at least $1,200/month on your own.
Pension This is sometimes called an annuity or just your retirement paycheck. Regardless of what you want to call it, it is the monthly check that you’ll get from the government once you retire (assuming you meet all the eligibility requirements). While this type of benefit was popular in the 1900’s, it is becoming increasingly rare because of its cost to offer. Most employers simply aren’t willing to. Just by having this benefit, most feds are miles ahead of their private sector counterparts when it comes to retirement planning.
TSP I am a huge fan of the TSP. While it is not perfect, it does a lot of things really well. The 5% match is incredible and the simplicity of the funds is unparalleled. Some people dislike the fact that there are only 5 funds to pick from but as a financial advisor, I have seen that these 5 funds work great for 98% of people. Many employers offer a 401(k) but most of them are hard to understand, expensive to invest in, and consequently don’t work as well in helping employees build wealth. When used effectively, the TSP is great at creating millionaires.
Other great things Even after all the financial benefits (of which I have only mentioned a few), the government offers other things that are harder to quantify but still very valuable. One of these things is job security. Although it may be difficult to get through the hiring process, once you are on board, feds enjoy very high job security. Even during the Covid-19 crisis when the private sector was letting people go left and right, none of the feds that I work with even thought about job security. This type of consistency is a rare and valuable asset.
Conclusion And who knows, I could be wrong about all this. After all, I am not a federal employee myself. Maybe working for the federal government isn’t what it seems. I am sure the comments section will quickly fill up with all the downsides and inconveniences. So I guess it is up to each individual reader to decide what they think and care about in life. As for me, I am still thoroughly convinced that working for the government is an incredible thing especially for those that take advantage of all the great benefits and opportunities that the government offers.
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Since the TSP Modernization Act went into force in September of last year, there are a number of new withdrawal options from your TSP. Before this, the TSP was miles behind comparable retirement accounts on the private side in terms of flexibility. While the act isn't perfect, it is one of the first steps needed to get the TSP up to speed. Withdrawal Options There are basically three different options when it comes to pulling money out of your TSP. You can basically use them in whatever combination you’d like. TSP Installment Payments- This is where you tell the TSP how much to pay you on a monthly, quarterly, or annual basis. You can also ask them to pay you a monthly amount based on your life expectancy. Although there is no guarantee, the idea is that it will spread out your TSP balance over your entire retirement. You would be able to change the amount anytime or even stop payments if desired. Single Withdrawals- With this option you can request a one-time distribution from your TSP. However, there is a minimum of $1,000 and you can only do this type of withdrawal every 30 days. You could even withdraw your entire account balance if you want. Annuity- With this option you would give your TSP balance or at least a portion of it, to an annuity provider (Metlife has the current contract to provide these to federal retirees if desired). They would guarantee you a fixed income for a certain amount of time. You can also tell Metlife that you want a payment for the rest of your life and the amount of your payment will be set based on your life expectancy. The major downside of this option is the limited flexibility and reversibility. Once you make this decision, it is very difficult to get access to your money other than what they pay you every month. This option offers incredible security but no flexibility.
Traditional and Roth One perk that federal employees now enjoy because of the TSP Modernization Act is that they have more control over where their withdrawals come from. For example, before you had to take money out of your traditional TSP and Roth TSP proportionally. Now, you can choose which one you'd like to take your funds out of based on your tax situation in the current year. For example, in a year where you might have higher taxable income, it might make sense to draw only from the Roth side in efforts to stop yourself from bumping up to a higher tax bracket. RMD’s One thing that is very important to remember is that at age 72, required minimum distributions (RMD’s) are required for both the Roth and the traditional TSP. This basically means that you have to take out a certain percentage of your account balance every year after age 72. Because the TSP has many tax advantages, the government wants to make sure that you don't avoid taxes completely by requiring that you start taking money out. The TSP’s Remaining Pitfall While the TSP is not perfect, it does a lot of things really well and serves as a great wealth accumulation tool throughout someone's career. One of the major downsides however is the fact that you cannot decide which funds you withdraw money out of. Whenever you make a withdrawal, the money comes out proportionally based on what funds you are invested in. For example, if you had half your money in the G Fund and the other half in the I fund, a $1,000 withdrawal would take $500 from each fund. This may not be a big deal in some years but in years when the stock market is really low, it often makes much more financial sense to draw from the G fund and let stock market funds have more time to recover. Conclusion Investing your money in the TSP during your career is incredibly important, but knowing how to best take it out in retirement can be just as important. The TSP Modernization Act has made this...
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/) One of the biggest fears and questions for retirees is “Will I run out of money in retirement?”. Understandably, this is a fear of just about everyone (unless maybe you are Warren Buffet). Even though FERS benefits put federal employees miles ahead of most private sector employees when it comes to being prepared for retirement, feds are not out of the woods yet.
For many feds, the period that puts pressure on the rest of their retirement is the time between retirement and starting social security. According to a report by OPM in 2017, the average retirement age for feds is 61. This means that the average retiree will have at least 1 year before they are even eligible to start social security. And for many feds, it makes sense to delay starting social security until closer to age 67 or even 70 to get the dramatically increased monthly benefit.
This means that the average fed is going to have 6-9 years between the day they stop working and the day they get their first check from social security. During this period, most feds are going to be relying on their other two main sources of income: their pension and TSP.
The problem starts when many feds overestimate how much of their pension they will actually see. For example, let’s say John, our retiring federal employee, has a high-3 of $100,000, 30 years of creditable service, and a multiplier of 1.1. This would make his pension calculation look like this:
$100,000 x 30 x 1.1% = $33,000
$33,000 feels like a great number but we have to remember that is his gross pension, not his net pension. To get his net pension, or the actual dollar amount that he’ll be able to spend, we need to take out things like the survivor benefit for his wife, FEHB premiums, and taxes. It might look something like this:
$33,000 -$3,600 : FEHB ($300 month) -$3,300 : Survivor Benefit (10%) -$4,950 : Taxes (Estimated at 15%)
Net Pension: $21,150
This means that he’ll actually see about $1,762.50/month from his pension. The rest of his living will have to be made up from his TSP. Let’s assume that he and his wife have living expenses of about $5,000 per month. This means that to sustain their lifestyle, they’ll need $3,237.50/month or $38,850/year from their TSP. Assuming Joe retired at age 61 and wasn’t going to start social security until 67, he’d need to take a total of $233,100 from his TSP to cover the gap.
And depending on how hefty John’s TSP was to begin with, this could be a devastating blow. Not only is that $233,100 not around to fund the rest of retirement but won’t have the opportunity to grow if it had been invested.
To solve this problem, some people decide to just start social security early but this has its own ramifications and in efforts to not make this article a mile long, I won’t go into the pros and cons of starting social security early in this article. There are a million articles on that. Suffice it to say, that for many people (but not everyone) it makes the most sense to wait to start social security until at least their full retirement age (between age 65-67 depending on when you were born) if not later and the question then becomes how to survive the gap.
Some continue to work, cut down their lifestyle, or do a reverse mortgage. But what makes sense for you really depends on your situation and goals. For some, their TSP balance is large enough to weather the storm and for others that might...
Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ It is very easy to be greedy when the market has record highs. When everything is going up, it is so easy to listen to the water cooler talk and double down on the C, S, and I funds.
When the market is going down however, it is a very different picture. It turns the once greedy investors into nervous ones.
And this seems completely understandable. Federal employees generally have most of their life savings in the TSP and running out of money in retirement is a scary thing.
But we have to remember the advice of one of the greatest investors of all time, Warren Buffet. He said that we should “be fearful when others are greedy and greedy only when others are fearful.”
This quote teaches us a valuable lesson. The market going down is actually a great thing for those that have a while until they retire. This allows them to buy when prices are low and see more growth over the next few years. So if you have some time before your retirement you should take advantage of the opportunity. For some people this means investing more aggressively because they were being too convservative. For others, this means holding fast to their long-term investment plan and not moving everything to the G fund.
When people get into trouble is when they are investing too aggressively as they approach retirement. One of the worst things you can do when the market goes down is to sell. This locks in your loss. Most people rely on at least some portion of their TSP to support them in retirement. If they don’t have any other savings to get them through the down years then they will be forced to sell when the market is relatively low.
Most people should get more conservative as they approach retirement so that they don't experience as large of peaks and valleys in their portfolio. It won’t earn as much as an aggressive portfolio but will provide some much needed security.
All that being said, these are just general principles and may not apply to everyone. You have to look at your personal situation to decide what makes sense. For example, I have some clients who have enough fixed retirement income (pension, social security, ect) to cover all their living expenses in retirement. That means that they really don’t need much if any of the TSP every year. This allows them to be able to invest more aggressively than others their age because they aren’t relying on it for income.
You have to take a hard look at your personal finances and situation to make sure you are using a strategy that makes sense for you.
Market downturns can give us all a much needed reality check to make sure we are investing with our long-term goals in mind. For some, it is just a matter of riding it out. For others, it can be a great reminder to “be fearful when others are greedy and greedy only when others are fearful.”
Check out the full article here: https://planyourfederalbenefits.com/blog/ Check out my courses here: https://planyourfederalbenefits.com/courses-main-page/ Check out my articles on FedSmith here: https://www.fedsmith.com/author/dallen-haws/ Dallen Haws at Haws Financial Planning Sierra Vista, AZ Want to work with me? Click here: https://hawsfinancialplanning.com/contact-us-make-an-appointment/ (https://hawsfinancialplanning.com/contact-us-make-an-appointment/) I am not at all qualified to give advice on recovering from the actual disease but as we all know, Covid-19 has had many financial symptoms as well as physical. And feds are only partly immune. Federal employees are blessed to have incredible job security. Most people around the country simply don’t enjoy that privilege. But as many feds are well aware, the TSP was not protected from the downturn.
The TSP is an amazing retirement saving tool that most private plans simply can’t compete with. The match is awesome and the fees are ridiculously low. In most cases, I discourage feds from moving their money to outside the TSP.
But all this being said, just like any other investment, the TSP can and will go down. That is simply the nature of investing and the stock market. While many consequences of the coronavirus are unprecedented, how the stock market reacted is not.
Depending on the source, there have been about 25 bear markets in the last 90 years (A bear market is when the market drops by at least 20%). That averages out to one about every 3.6 years. Based on that, the only thing that is unprecedented about this market drop is why it took so long after 11 years of growth.
Now, I am not trying to discourage people from investing. Investing is essential to building wealth and fighting inflation throughout your career and retirement. All I am trying to do is educate people on what is normal so that they know how to react the next time this happens. Just remember, most feds have already lived through 4-6 bear markets/recessions and will probably live through at least that many more.
The trick is knowing what your investment strategy is and sticking to it. Some try to time the market and go to the G-fund right before the market goes down. The problem is that no one knows when exactly the market will go down or come back up. Someone might guess right a few times but they only have to be wrong a couple of times to destroy years of growth. Even professional investors can’t consistently time the market.
One of the reasons that this is so difficult is because a huge portion of stock market growth happens just a few days a year. And if it so happens that you are in the G-fund during those days then your returns will be much worse than those that just stayed invested. This graph shows just how powerful this principle is. It comes from a study done by Fidelity on what would happen to a hypothetical $10,000 investment into an S&P 500 index fund (comparable to the C fund) from 1980 to 2018.
(Graphic from thesimpledollar.com)
As the graph shows, those that stayed invested the whole time would have turned their $10,000 into $708,143 but by missing only the 5 best trading days they’d only have $458,476. And the results only get worse as you miss more of the best days.
During the 38 year period that this study covered, there were about 10,000 trading days. That means that if we try to time the market, we are trying to pick 5 days out of 10,000. The odds aren’t in our favor. To make it even harder, most of the best trading days during this period happened in the middle of significant downturns. It is like playing russian roulette with your retirement savings where 99,995 out of 10,000 times you lose.
The best strategy just happens to be the most stress-free one as well. Decide what your long-term investment strategy is and stick to it. Don’t worry about what the market is...
Only a few months ago in January, federal employees saw a pay raise of 3.1%. At the same time, federal retirees only saw an increase of 1.6% to their pensions. The difference comes from how those increases come about. The increase the retirees see every year is called COLA, or Cost of Living Adjustment. The increase comes from a price index that is supposed to mirror inflation. Some would argue that it doesn’t do a great job (health insurance rates are rising at nearly 5.5% per year) but that is out of my scope. The increase that CSRS employees and Social Security recipients see every year is typically higher than what FERS retirees see especially in the years when inflation rates are higher.
The pay raise the active employees see comes about in a completely different way. Every year the president and congress get together and decide on their budget. During this process, they decide on what type of raise if any they are going to give federal workers. The 3.1% raise that we just saw is much higher than we’ve seen in years.
So far, federal pay (especially with all the other great benefits) seems to be still competitive enough to encourage people to seek out government jobs. We will have to wait and see what the government does next year and what the future holds for the millions of federal employees around the country.
It is one thing to understand the inner workings of your individual benefits, but what is more important is to understand how they interact together. FEHB, FEDVIP, and FSA’s can all be great tools in your financial life, but they become the most effective when you coordinate them in a way that best suits your needs. Here are some general things to think about when it comes to deciding how to coordinate these benefits.
FEHB is an extremely valuable benefit and the vast majority of employees should take advantage of it. There are a number of types of plans within the program and you will want to pick the one that makes sense for you and your family.
When deciding on whether or not to enroll in FEDVIP, here are a few things to consider: What things are covered under FEHB plan already? If anything is covered by your FEHB plan, that would be considered your primary insurance and your FEDVIP would be secondary. Most national FEHB plans don’t cover many dental or vision services but some high-deductible plans and FEHB HMO-type plans have comprehensive benefits for dental and vision. Comparing the coverage of your FEHB plan can make it much easier to decide if FEDVIP is right for you.
What is the likelihood of using the services that are covered by the plan? This decision may be easy if you already wear glasses and have regular expenses because of it. But for others, it may be difficult to predict how much they’ll use them. Things like emergency dental procedures are almost never planned. You will have to weigh the probability of use for your situation and see what makes sense.
Would it make more sense to simply put the amount that you would have paid in premiums into a FSA account? This way you have funds if needed while still retaining some control over where that money goes.
Both FEDVIP premiums and FSA contributions can be paid with pre-tax dollars which is important to know when deciding where to put your money.
Some employees prefer to use both FEDVIP and their FSA account. This way they are able to pay any copayments, coinsurance, or deductibles from their FSA account.
There is not a right or wrong answer with any of these decisions. It comes down to deciding how much risk you want to take and what seems to make sense for you. Oftentimes, what makes sense for your co-workers doesn’t make sense for you. But just by reading this article you are already better prepared to make an informed decision.
Just like all your other Federal Benefits, FEGLI can be quite complex with all the rules and special situations. I will try to break down the most important aspects here to make it a bit more digestible. FEGLI can be broken into 4 different parts. I will walk you through them one by one.
Basic Life Insurance When you are hired by the government, you will be automatically enrolled in this coverage. You will pay ⅔ the premium and the government picks up the rest. You are able to decline coverage but few people do. This coverage is equal to your annual salary rounded up to the next $1,000 plus another $2,000. For example, if your annual salary is $67,560, you’d have $70,000 over life insurance coverage ($68,000+$2,000).
This is the only type of coverage that the government helps pay for. The other coverages are optional and paid solely by the employee.
This coverage includes what they call “living benefits.” This means that if you are covered by this option and are terminally ill (defined as expected to die within 9 months), you may elect to cash in coverage. The payout would go to you instead of to a survivor. At that point, your policy would end.
Option A-Standard Insurance This coverage is pretty simple. It is a flat $10,000 death benefit. Again at age 65, this coverage becomes free and will reduce by 2% a month until it reaches $2500.
Option B-Additional Insurance If your basic insurance and option A insurance isn’t enough for your needs, you can also enroll in option B. You can choose coverage in the amounts of 1, 2, 3, 4, or 5 times your annual salary after it is rounded up to the next $1,000. For example, if you make $69,545 and elected 4 times your salary, that would be $280,000 of coverage ($70,000 x 4).
At age 65, this coverage becomes free but the coverage does start to decline by 2% per month until it reaches 25%.
Option C-Family Insurance This option allows you to buy insurance on your spouse’s and/or childrens’ lives. This coverage can be bought for 1-5 multiples of $5,000 (ie, $5,000, $10,000, $15,000 ect) for your spouse and in 1-5 multiples of $2,500 for each child that is eligible.
Important Notes At age 65, all 4 types of coverage become free but the coverage does start to decline by 2% per month until it reaches 25%. However, you will be able to pay premiums to stop this reduction. The amount of premium will vary depending on how much of your coverage you will want to keep into retirement.
The premiums are based on your age and get very expensive as you get older. In general, FEGLI premium rates are very competitive when you are young and get less so as you age. The biggest advantage of the plan is that you get group rates. If life insurance is important for your financial plan, it might make sense to look in the private market for policies as you get older. This doesn’t make sense for everyone but might be worth looking into.
Before we start talking about the federal Long Term Care Program we have to address what long-term care insurance is and why someone might want it. In the past, when someone got older and was unable to take care of themselves, their children often stepped in and cared for their parents. In modern times, this solution might still be applicable but there are many situations where it is not. Someone may not have kids or may not want to have to rely on their kids. Or sometimes, the children aren't financially prepared to take on this responsibility. This is why we now have nursing homes, assisted living facilities, respite, and home care options. The one downside of these resources is that they tend to be very expensive, especially if you need them for a long period of time. Long-term care insurance was invented to help cover these costs if someone ended up in a situation where they needed them. Long-term care insurance isn't perfect for everyone, but it can be a very viable solution for those who need it. For the federal program, the insurance is provided by LTC Partners, which is a subsidiary of the John Hancock insurance company. If an employee applies for this program right when they are hired, they are subject to only a very short underwriting process. Current employees and retirees are subject to a longer underwriting process, but it still isn't that extensive. The questions will ask about general lifestyle and health. Unlike other benefits, this benefit is completely portable. This means that if you were to leave the federal government and find a job somewhere else, you'd be able to take your policy with you. Your coverage amount will stay the same as well as your premiums. In general, especially as you get older, long-term care insurance can be very expensive. You will have to look over the different coverage amounts compared to the average costs of long term care in your area to see what makes sense for you. You will have to weigh the pros and cons between the cost and the benefits of this insurance. Just like any other insurance, it comes down to a question of risk. How much risk do you want to take on as an individual and is it worth paying a monthly premium to transfer that risk to an insurance company? Some people never end up using the coverage while others need it extensively. I firmly believe that everyone should have a long-term care plan. This doesn't always have to be formal insurance, but everyone should know what they're planning to do if they find themselves in the situation where they can't care for themselves. By doing this planning ahead of time, it can save you and your family members a lot of money and struggle.
What To Do At Least 5 Years Before Retirement Retirement may seem like a distant dream, but it generally comes faster than you think. Some people only start thinking about retirement when they are within a year of leaving the government. While some people get away with this, it is much harder to be proactive with that short amount of time. By starting the planning process years in advance you'll be setting yourself up for success by knowing exactly what your retirement will look like down the road. This will not only improve your retirement outcome but also give you time to make adjustments if needed. Here are a few things that you should start thinking about around five years before you retire. The first thing to note is that you don't have to go through this process alone. Make sure you involve any tax or financial adviser that you may have in this process. Your agency is also a valuable partner in this process. They will help you gather your personal records as well as give you information about the retirement process. Agencies will also offer retirement counseling seminars which can be very helpful. For a number of reasons, five years out from retirement is a good time to start planning. First, you're close enough to have necessary information about what your life might look like to make educated decisions. Second, you have to be enrolled in FEHB and FEGLI for at least five years before retiring to be eligible to continue these programs after you retire. Having access to FEHB in retirement can save you thousands and thousands of dollars and should not be taken lightly. You will want to review your service records at this point as well. Every employee has an official personnel folder with information about their career and benefits. Sometimes this folder is physical and sometimes it is electronic. Here are some of the things that you should check for accuracy. - The beginning and end dates for each of your employment periods that will be used to calculate your benefits. - The beginning and end dates for each promotion or pay increase to make sure your high-3 salary will be computed correctly. - If there is a portion of your career where you were not contributing into the retirement plan, you will want to check those dates as well. - You will also want to make sure that your military service, if any, is well documented with the correct dates. If you will want to buy back your military time, you will want to think about doing this sooner than later. The next things that you will want to check is your pension calculation and your estimated Social Security benefit. You can calculate your pension based on the type of retirement you are planning for with the applicable equation. You can request an estimate of your Social Security benefit at your full retirement age from the Social Security website. These two numbers will give you an idea of what your income will be in retirement. With this information you will be able to decide what type of retirement lifestyle you can afford and if you want to make any changes to your plans. Many people are really excited for the amount that they calculate their pension will pay them every month, but we can't forget all the reductions that will come out of your pension in retirement. It will be things like your survivor annuity reduction, FEHB premiums, FEGLI premiums, and taxes. Just make sure to keep these in mind when planning for retirement. If your pension and your Social Security benefit won't be enough to provide for your retirement expenses, the next thing to look at is your TSP. This can be a great tool to supplement your other benefits. Because everyone's situation is so different, there is no perfect answer for the amount of money you'll need in your TSP for retirement. You'll have to educate yourself the best you can while looking at your personal situation. While this short article is by no means a comprehensive retirement planning checklist,...
Death is something no one likes to think about or plan for. But regardless of how much we think about it, it is a natural part of life. For some of us it comes later and for some of us it comes sooner. There is really no way to know, but there are some things that we can do to make sure those that we leave behind are taken care of. For the purposes of this article I will focus on those that are near or already in retirement.
Survivor Annuities
This can be a really important benefit for a surviving spouse. When you're filling out your retirement paperwork, you have the option to elect a full survivor annuity. What this means is that your spouse will be eligible for 50% of your pension if you were to pass away first. To be eligible for this option however, your pension will be decreased by 10%. There is also an option for a reduced survivor annuity which would give your spouse access to 25% of your pension if you were to pass away, and this option would only decrease your pension by 5%.
For example, let's say your full pension was $30,000 and you elected a full survivor annuity. Your pension would decrease to $27,000, but your spouse would be eligible for $15,000 if you were to pass away first. If your spouse was to pass away first, then your pension would go back to the original $30,000.
Electing a survivor annuity is not only important to provide potential income for your spouse, but also to allow them access to FEHB if you were to pass away. I'll address this in the next section.
FEHB
Your spouse will only remain eligible to keep your health benefits plan if the following three criteria were met.
1. You must have been enrolled in FEHB when you died.
2. Your spouse must have been covered under your plan at that point as well.
- Your spouse must be eligible for a survivor annuity. As I mentioned above, if you do not elect a survivor annuity on your retirement paperwork, your spouse will not be able to continue FEHB without you. This single consequence can make a difference of thousands of dollars very quickly.
If all three of these points are met, your spouse can continue your plan and can even convert to a different type of plan within the FEHB program if desired.
Children who are covered under the plan can continue coverage as well until they reach age 26.
Life Insurance (FEGLI)
Whoever you designate as your beneficiary for your life insurance would be entitled to the proceeds. It is essential to keep these beneficiaries up-to-date as your family situations change. For example, if you forgot to remove your ex-spouse from your beneficiary designation, they would still be entitled to your life insurance proceeds regardless if you were married again or not. A beneficiary designation will even trump your will and other estate documents.
It is important to remember that at age 65, your basic life insurance under the federal plan will start to decline by 2% per month unless you decide to pay for more coverage. If life insurance is important to your financial plan, make sure that you address this issue.
Long Term Care Benefits
While a federal worker or a federal retiree is still alive, their spouse is able to enroll under the federal long term care insurance program. Once the federal retiree passes away, their spouse will only be eligible to enroll if they have a survivor annuity.
Thrift Savings Plan (TSP)
At the death of the TSP participant, the account will transfer to whoever was the beneficiary. (Another reason to keep your beneficiaries up-to-date.) The beneficiary will then be able to decide if they want to keep the funds in the TSP or transfer it to a different account.
Social Security Survivor Benefits
If a federal worker had enough social security credits then their surviving spouse will be eligible for at least a portion of their benefit. If the survivor...
Life is constantly moving and it can be hard sometimes to keep up with a rapidly changing world. But your federal benefits are something you should always keep up on. Retirement can be a more difficult time to keep up with it all because you are no longer surrounded by co-workers going through the same things. Here's a list of some common life events that might happen during retirement and what you should do to keep your benefits all up to date.
A Move
You would need to contact OPM and give them your new address. This will be vital if any of your benefits or payments were connected to your geographic area. Sometimes your health Benefit Plan covers only a limited geographic area and OPM would be able to help you change that plan.
If you had your state income taxes withheld from your pension, you will want to make sure you get that updated based on the new state that you live in.
A Move out of the United States
Most of your benefits won't be affected by this change unless you move to a "Blocked" country. It is unlikely because the only countries that are currently blocked are Cuba and North Korea.
Medicare might be affected by this move because only certain types of treatment are covered outside the United States. You'll want to take this into consideration when planning a move.
A Divorce
If you have a divorce decree that affects your federal benefits, you will want to provide this decree to OPM. They will be able to coordinate your benefits accordingly.
You will also want to update any of your beneficiary designations if they don't match your new family situation.
A Marriage
You will want to send a copy of your marriage certificate and OPM will provide the information to provide a survivor annuity to your new spouse if desired. If you want to update your health benefits for dental vision benefits, you will have 31 days before your marriage then 60 days afterward to get that updated without waiting till the next open enrollment. Again, you will want to update your beneficiary designations to match your new family situation.
Reaching Age 65
At this point you will want to apply for Medicare. Analyzing the pros and cons of Medicare is for a different discussion, but age 65 is when most people become eligible. At this point you are able to convert to a less expensive health benefits plan if desired.
Starting after your 65th birthday, your Federal Group life insurance will start to reduce by 2% per month. You can stop this reduction if desired by paying the premiums to OPM.
Reaching Age 72
At this age you will have to start taking required minimum distributions from your tsp balance. This basically means that the government wants you to take a portion of your money out of the tsp so they can collect taxes on the portions that were pre-tax. If these distributions don't happen, a penalty will be charged.
The Death of a Spouse or Child
If this member of the family was covered under the federal group life insurance then you would file a claim with OPM. You'd also want to update your beneficiary designations if applicable.
If you were receiving a reduced pension/annuity payouts for the right to a survivor annuity for your former spouse, you will want to contact OPM to get your full pension reinstated.
It makes sense for many people to stay with the federal government for their entire career. But for others, it simply does not. For these individuals it is important to know what happens to your federal benefits if you decide to leave before you are eligible to retire. Pension
You have two different options when it comes to your pension. You can apply for a refund for all of your contributions that you made during your career. This refund will generally include interest if you had more than one year of service.
If you had more than 5 years of service, you may be eligible for a deferred retirement. This means that you could potentially start drawing a pension at age 62. Under FERS, if you have at least 10 years of service, you may be eligible to receive a pension once you attain your minimum retirement age. This age is between 55 and 57 depending on the year you were born. With this option you would see a 5% decrease to your pension for every year that you start drawing your pension before you turn 62. If you have more than 20 years of service you may be eligible for different types of retirement.
FEHB
Once you separate from service, you have the ability to continue your coverage up to 18 months after your separation date. But you will have to pay your normal premiums plus your employer portion as well as an extra 2% fee.
You also have the option of converting your plan to individual coverage. Your coverage may not be identical to what it was before and you will have to talk to your insurance company to know what it would cost.
FEDVIP
There are very few options to keep this benefit once you leave the government. If you have at least 10 years of service you may be able to re-enroll once your annuity begins. But other than that, there is no way to extend coverage, temporarily continue coverage, or even convert to an individual policy.
FEGLI
You have 31 days after your separation date to convert this benefit into an individual policy if desired. If you wait longer than the 31 days then you may have to provide medical information. If you chose to convert, you could choose how much coverage you'd like but you will have to pay full premiums at individual rates.
Long-term Care Insurance
You can continue your coverage under this benefit as long as you pay the premiums. If your premiums had previously been deducted straight from your pay, you should call your long-term care insurance provider to arrange to pay those premiums directly.
TSP
First, you can keep your money in the TSP if you'd like. Once you are separated, you will still have the ability to change how it is invested. You also have the option of doing a direct rollover into an IRA or your next employer's retirement plan. If you transfer your TSP funds in any other way other than a direct transfer, the TSP will withhold 20% of your account for tax purposes.
If you leave the government before age 55 you will not be able to withdraw any money from the TSP before age 59 1/2 without being subject to a 10% penalty in addition to taxes. A direct rollover to another retirement account does not count as a withdrawal for the purposes of this rule.
Conclusion:
Working for the government has many perks but sometimes it makes sense to move on to something bigger and better. Knowing how your benefits will work after the switch will help the transition be that much smoother.
I've seen many people retire, travel for a year, get bored, and then go back to work. Whether it's out of boredom, financial need, or for any other reason, many federal employees find themselves in a position where they want to go back to work after they've already retired. The question is, how will going back to work affect your benefits and your retirement? To those who are employers that go back to work in the private sector, they will see basically no change in their benefits. The only situation where benefits might be affected is if they are not yet their full retirement age for Social Security and have income over certain limits. In this case, their social security monthly payout may be decreased. Once someone reaches their full retirement age then their Social Security will not be decreased for any reason. Social Security can always be taxable but will not be reduced after your full retirement age. For those who want to go back to work for the federal government, the rules get much more complex. For most of these individuals, they will continue to receive their full pension and benefits but their pay may be reduced by the amount of their pension. In other cases, their pension will be stopped completely and they will be covered as just a regular employee. In most cases your pay will be simply decreased by your pension amount, but I would definitely check with your hiring HR department to see what applies to your position. Some agencies hire retired federal workers under personal service contracts. In this situation retirement benefits would not be affected. These contracts often explicitly state what tasks are to be completed, at what compensation rate, and within what amount of time. Another thing to ask your hiring HR department would be how they handle your federal employee health benefits. During your career, your premium comes right out of your paycheck on a pre-tax basis. In retirement however, you have to pay taxes on your income and then pay your premiums with what is left. Some agencies allow rehired retired federal employees to come back under the agency plan. This would allow them to enjoy the pre-tax benefits. Consult with your agency to see if this would apply to you. Although it is impossible to know exactly which rules will apply to you, hopefully this article gives you an idea of what things might look like and if it makes sense for you to jump back into the workforce. For more information about the rules for rehired retirees: https://www.federalretirement.net/rehired_annuitant.htm#FERS_Rehired_Annuitant_Guidance (https://www.federalretirement.net/rehired_annuitant.htm#FERS_Rehired_Annuitant_Guidance)
Beneficiary designations are one of those things that most employees fill out when they're first employed and never think about much after that. But most people don't know that these designations are extremely powerful. They will overrule a will or other estate documents every time. This means that regardless of what you put in your will, once you die your benefits will go to exactly who is on your beneficiary designations. Even if this means that your benefits go to a former spouse. This has been upheld in many court cases as well. It is important to consistently review your designations, especially after a life event. Things like a birth, adoption, death, marriage, divorce, or any other significant change within your family. You may change your designation as many times as needed.
Key designations to think about are those for your TSP, your group life insurance, and your pension. Speak to your agency to get the correct forms for these designations.
If there are no designations on file then your benefits will be paid according to law. This generally goes to your spouse first, then to your children in equal shares, then to your parents in equal shares, and finally to your estate.
Putting in a little effort now to make sure these are correct can save tremendous amounts of problems and heartache download for your family.
A federal employee has a lot of options when retirement comes. With just about every benefit that employees enjoy, a decision will have to be made on how to use that benefit in retirement. One of these decisions that will make a huge impact over the course of a retirement is what to do with your TSP. Following the TSP Modernization Act that was implemented last September, there are now more options and flexibility when taking money out of your tsp. One of these (although not new) options is to take what they call a life annuity. With the life annuity option, you give a portion or all of your tsp balance to MetLife (an insurance company and annuity provider) who then guarantees you fixed payments over the course of your lifetime. It may seem like an attractive option for some people but there are some things you have to know before choosing this option.
The major downsides to this option is that it limits what changes you can make down the road. Once you make the decision, there is very little you can do to change or get out of the contract. If something was to change in your life that would affect how much you need each month, it is very difficult or impossible to adjust.
Another downside of life annuities is that your money doesn’t grow much over the life of your contract. The annuity provider (Metlife) guarantees a fixed growth rate but it is generally around 2.6%.
The good news is that those who want a fixed monthly payment out of their tsp will have other options to make this happen. Retirees can take what they call an installment payment. With this option your money stays in your tsp account and the tsp will pay you a fixed amount every month, quarter, or year (whatever you pick). Not to mention that you will be able to stop and start these payments whenever you'd like and even change the payment amount a couple times a year. And because your money stays in your tsp account, you will also be able to continue investing those funds in retirement.
When you compare the life annuity option to the installment payment option, the latter is simply a better option for the majority of people. It provides much more flexibility and potential growth. Especially now that retirements are lasting 20, 30 or even 40 years, it can be a huge plus to have the flexibility to adjust as the needs in your life change.
The one advantage with the life annuity however is the certainty that comes with it. This option guarantees that you will receive a monthly payment for the rest of your life and you won't have to worry about your investments. These can be valuable characteristics for some people.
With any of your retirement decisions, you have to educate yourself in what options are available and see what makes sense for you. With many federal benefits and especially your TSP, tens of thousands or even hundreds of thousands of dollars are won and lost based on these types of decisions. It is worth your time and energy to make sure you make the best decision for you.
This is a crazy time for the world. A time that no one has predicted or lived through before. The global spread of the coronavirus as well as the economic consequences that are following are unprecedented. In response to these events, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was just passed into law on March 27th. This has now become the largest stimulus package of all time with provisions to pour more than 2 trillion dollars into the economy. Here are some of the highlights.
Rebate Checks Understandably, one of the most popular and already well-known parts of the act is the Recovery Rebates For Individuals. If you haven’t heard, that is the portion about Uncle Sam writing checks to 80% of the taxpayers.
Here’s how it works. Individuals will be eligible for a refundable tax credit of up to $1,200 while couples will be eligible for up to $2,400. That credit will be increased by $500 for every child they have that is under age 17. For example, if a couple files jointly and they have three kids. They’d be eligible for up to $3,900 ($2,400+500+500+500).
But if you noticed I did say they’d be eligible for “up to” those amounts. That is because over certain income levels, this credit will be phased out. More specifically, for every $100 a taxpayer’s income these thresholds, their potential Recovery Rebate will be reduced by $5.
The thresholds where the credit will start to be phased is: -Married Joint: $150,000 -Head of Household: $112,500 -All Other Filers: $75,000
It is important to know that the credit will be based on either 2018 or 2019 tax returns (Which ever is the most recent that the IRS has on file). If someone had income that was too high for the credit in 2018 and 2019 but were eligible based on their 2020 income, they will be eligible for the credit when they file their 2020 tax return in the spring of 2021. Individuals who have banking information on file with the IRS should only have to wait a few weeks to receive their funds while those that don’t may have to wait a few months to get a check mailed.
Coronavirus Distributions This portion of the act allows individuals to distribute up to $100,000 from their retirement accounts such as IRAs and employer sponsored retirement plans such as your TSP. To be eligible someone would have to have been adversely affected by the virus in some way. This may include getting the virus or experiencing financial difficulty from things like being quarantined, reduced hours, or being laid off. Normally, there are numerous rules around how individuals can access their retirement accounts before age 59 and ½. For those that qualify, the following will apply: No 10% penalty for removing funds before age 59 and ½. No 20% withholding for taxes. Whenever you take money out of pre-tax accounts, taxes will become due. Those that are eligible would be able to spread out that income between the next three years. They would have 3 years to replace the funds they took out without penalty.
This provision will allow those affected to have access to funds that they might not otherwise be inclined to use. But because all of this is so new and changing rapidly, I would definitely wait to hear from the TSP to see how they will be implementing this change.
No Required Minimum Distributions in 2020 For those that have retirement accounts and are over age 70 and ½ (now age 72 after the Secure act passed in 2019), you are already familiar with RMD’s or required minimum distributions. This is where the government requires you to take a portion of your money out of your retirement accounts so that they can collect their portion of taxes on that money.
The CARES act completely waives the requirement for RMD’s in 2020 so the individuals that this applies to will be able to keep more money in their retirement accounts for longer.
Student Loans This act...
Starting a family can be an exciting time but it is important to adjust your health benefits so that everyone is always covered. But just like everything else with the government, this is not quite as simple as you might hope. The first question we have to answer is who qualifies as a child that can be covered under your plan? Qualifying children include children under age 26, adopted children, natural children born out of wedlock, stepchildren, and foster children (the rules are a little more complicated for foster children so I would encourage you to research the rules if you'd like to add a foster child to your plan). Also, to be covered under the FEHB program the children need a state-issued birth certificate that claims you as a parent.
Having a child is considered a qualifying event which allows you to change your benefits even if it is not open enrollment. You would be able to change your enrollment between self only, self plus one, or self and family. You would also be able to switch to another FEHB plan if desired. Employees that are not currently enrolled in FEHB would also be able to enroll because of the birth of a child. If you are already retired, this life event would not allow you to re-enroll.
Once a child turns age 26 they are no longer eligible to stay on their parents plan (unless they have a qualifying disability). At that point they can continue coverage through FEHB for up to 36 months but they will have to pay the full premium plus 2% for admin fees. After that they would then have to get their own coverage. The parents would then be able to switch their enrollment to self only, self plus one, or continue with self and family depending on what is applicable for their family. The parents have a window of about 90 days to change their coverage. This window allows for 30 days before and 60 days after your child turns 26. It is up to the parents to notify their agency once a child is no longer eligible. For a retiree they will have to talk to OPM.
Parents would be able to remove a child from their plan before age 26 if their child is eligible for their own help plan through their employer. Generally, the child must be at least 18 for this to be possible. This would only make sense if the family could then downgrade coverage from family coverage to self plus one for example.
All this may seem quite complicated but it gets better as you learn more about it. FEHB is an incredible benefit and knowing the rules will help extend this benefit to your entire family.
Whether we realize it or not, we all have a relationship with money. Just like food, your possessions, and the people in your life, there are certain feelings and attitudes that you associate with money. These feelings can be vastly different from person to person. Most people never stop to think about what their relationship with money looks like. Or at least never in those terms. Some people grew up with nothing. Others had plenty plus some. Some see money as a means of survival. Others see it as a means to gauge success. Some see it as a necessary evil. Others see it as a blessing in their lives. Some see it as the reason they have to go through the 9 to 5 grind every week. Others see it as a tool to lift those around them.
But if we stop and think for a moment, we might remember that money is nothing but a tool meant to ease the buying and selling of goods. It is inherently 100% neutral. Neither good nor bad. Then why do we all have vastly different experiences and feelings about money?
Everyone on earth grows up with a certain view on the world. Even the most neutral things, such as money, are seen through the lense that we have formed over our lifetime.
We all have heard the saying that money is the root of all evil. While this may be popular, I don’t agree. I have seen how powerful money can be for the good. Money can change lives. It can get people proper medical treatment. It can give someone the opportunity for education. It can give the freedom of time to do things that we are passionate about. It can give security that our future will be bright. It can truly change lives.
I subscribe to the adjusted version that the love of money is the root of all evil. When we obsess over money itself, we will always come away wanting, no matter how much we have. Money doesn’t have the ability to fulfill or bring true joy. Don’t get me wrong, money can provide a lot of comfort and opportunities, but at the end of the day, it can’t and won’t make you happy.
It is completely up to you what your relationship with money will look like. Define what you want your life to be and what role you want money to play. Just remember that you are the star of your life’s show and don’t ever let money replace what you really want out of life. Money should not be the goal. It should be a tool that can help you get to your goals.
You have worked hard your whole career looking forward to a comfortable retirement. You have patiently invested and planned diligently. You are excited to start drawing social security to reap the benefits of years of hard work. But, did you know that a huge portion of your social security benefits will most likely be counted as taxable income? This is a common mistake that we see people make all the time in their retirement planning. Because of all the misconceptions that exist about social security, here are few things that we all need to keep in mind.
It Matters When You Start Drawing It This may seem like a no-brainer but deciding when to start Social Security can make a huge difference on your benefits over your lifetime. The earliest you can start drawing it is age 62. But your benefits will be reduced by every month that you begin benefits before you FRA (Full Retirement Age). Your FRA will range from age 65-67 depending on when you were born. The Social Security estimate that you can get online, is your estimated monthly benefits if you start drawing at your FRA. Now if you choose to delay starting your benefits until after your FRA, your benefits will increase by 8% every year up until age 70.
Some might ask, “Why doesn’t everyone just wait until they are 70 to start drawing Social Security to get the highest monthly amount?” There are a couple of things to consider. Need and longevity. Some people can’t afford to delay starting their benefits so they start right at age 62. This may make sense for some but they will see up to a 30% decrease in their monthly benefits because of the early start. Now, if someone starts benefits at age 70 and they pass away at 71, they did not benefit much from their increased monthly amount. It is important to find a balance between your financial need and lifespan in order to maximise your benefits.
Taxes, Reductions, and More Taxes If someone takes Social Security early (before their FRA) and they continue to work, their benefits will be reduced for every dollar they make in their jobs over certain limits. In this case, their benefits would be reduced for taking them early and reduced again for earning over certain amounts. Sometimes it still makes sense to continue to work in retirement just make sure you understand these limits. Once you reach your FRA, your benefits will not be reduced because of your income.
Like I mentioned in the intro paragraph, Social Security can in fact be taxable. The equation can get complicated but for simplicity’s sake, if you have income over certain thresholds, up to 85% of your benefits can be taxable. For this calculation, money that is taken out of certain retirement accounts (401(K), TSP, IRA) may be counted to push your benefits into taxable zones. When you are planning for retirement, make sure you run your numbers with taxes in mind.
Conclusion: The rules can be a bit complex and hairy at times but please don’t let this scare you into making an uninformed decision. This is a decision that can make a huge difference in your life. Because people are living longer, retirement is making up a larger percentage of our lives. It might take a little time and energy to navigate the Social Security system, but it will be one of the best investments you make as you reap the rewards of an informed decision for years to come.
With the cost of healthcare rising at incredible rates, finding the best options for healthcare in retirement can be a deal-breaker. For the average federal employee, Medicare is an integral part of their health care planning in retirement. Let's start with the basics of how Medicare works. Most people in the United States are eligible for Medicare at age 65. For 99% of people, Medicare is a choice and not required. The only individuals that will be required to enroll in Medicare Parts A and B at age 65, are those that are under the military health program called TRICARE. If these individuals fail to enroll they can lose access to their TRICARE health insurance. For the rest of us, Medicare is completely optional.
There are four different parts to Medicare. Parts A, B, C, and D. Part C is often unpopular because it restricts which Healthcare Providers you can go to and part D is for prescription drugs which are already covered under FEHB. For most federal employees, it makes sense to focus on Parts A and B to make this decision.
Medicare part A covers inpatient hospital care, skilled nursing nare, hospice care, lab tests, and surgeries. Part A is premium free for those who have contributed to the Medicare system for at least 10 years. This covers most people in the United States because it comes right out of our paychecks. And because part A is free, it often makes sense for everyone to enroll.
For those that are already drawing Social Security at 65, they will be automatically enrolled in Medicare part A. They would have to contact Medicare if they would like to opt out. Those who have not started Social Security benefits yet will have to actively enroll. You will have three months before and three months after your 65th birthday to enroll in Medicare.
Medicare Part B covers things like health care providers, outpatient care, medical equipment, home health care, and some preventative services.This part is not free however. The premium will be $144 in 2020 for most people, or potentially higher for those with higher incomes. If you are already drawing Social Security, this premium can come right out of your Social Security check. If you are not yet drawing Social Security, you would make payments directly to Medicare. If you choose to enroll in Medicare Part B, it will not lower your FEHB premiums.
For those who are still working at age 65 and enrolled in FEHB, there will be no penalty if they don't enroll in Medicare Part B during the seven-month window around their 65th birthday. They will be able to enroll once they stop working. But for those who are already retired at 65, there will be a 10% increase to their part B premiums for every year that they wait to enroll. For example, if someone was to wait till age 67 to enroll in Medicare Part B their premiums will be 20% higher then if they would have started at age 65.
Because there is little downside to enrolling in Medicare part A, for most federal employees the real decision is to decide how they will coordinate their FEHB and Medicare Part B. There are three main combinations that we should be thinking about.
- Keeping FEHB and Not Enrolling in Medicare Part B
This option will keep your health insurance situation at status quo without much change. You would continue to pay your FEHB premiums.
- Enroll in Medicare Part B But Drop FEHB
This option may make sense for some but there are some inherent downsides to this strategy. First of all, with no other insurance besides Medicare, some providers will be less likely to provide services to you. Medicare generally pays providers at lower rates. Some providers refuse to work with Medicare-only patients because they want to receive their full rates. This could potentially limit your provider choices in retirement.
It is also important to note that you would not be able to gain access to FEHB after you have dropped it. If someone...
Your unused annual leave can be a nice bonus for those retiring. Let’s dig into how it works. Remember that annual leave and sick leave is handled very differently. Make sure you don’t mix up the two when planning for retirement. Retirees receive a lump sum payment for their unused annual leave. The government basically pays you as if you would have worked that time. This is calculated by multiplying their hourly rate by their unused hours. This payment is projected into the future meaning your payment will be higher if you were due to get a pay raise during that time. This hourly rate doesn’t include all types of pay but does include the following:
-rate of basic pay -locality pay or other similar geographic adjustments -within grade increase (if the waiting period is met on the day of separation) -across the board annual adjustments -administrative uncontrollable overtime pay, availability pay, and standby duty pay -night differential for Federal Wage System (FWS) employees only -regularly scheduled overtime pay under the Fair Labor Standards Act for employees on -uncommon tours of duty -supervisory differentials -non-foreign area cost-of-living allowances and post differentials -foreign area post- allowances
This lump sum can be a very nice retirement supplement for years to come especially if you have substantial leave accumulated. Be cautious of how much leave will transfer from year to year to make sure you get the most out of this. Some people plan their retirement date right before the end of their leave-calendar year to maximise this payout.
The Setting Every Community Up for Retirement Enhancement Act of 2019, also known as the SECURE Act, which originally passed the House in July, was approved by the Senate on Dec.19, 2019, and signed into law on Dec. 20 by President Donald Trump. I am not going to dig too deep into the knitty gritty of this bill but I will hit some of the main points that will affect most people. The good news is that almost all the provisions of this bill are meant to make retiring easier for the general public. It has been commonly known for sometime now that many Americans are simply not prepared for retirement. According to Vanguard, the 2019 median 401(k) balance for those ages 65 and older was just $58,035. This amount doesn’t go very far, especially with the rising costs of healthcare and other expenses that become relevant in retirement. This bill should make it a little easier to make our money last. This is becoming even more important as people are starting to live longer.
One of the main highlights is that this bill will move RMD’s (Required Minimum Distributions) to age 72 instead of 70 and ½. Let me translate that for you. For most retirement accounts ( TSP, 401(k)’s, IRA’s ect), you don’t pay any taxes until you take money out during retirement. So the longer you keep your money in these accounts, the longer your money can grow without paying taxes. Once you hit the age when RMD’s are required, the government requires that you take out a portion of your retirement account balance. They do this to make sure that they get their piece of the pie in the form of taxes. This change allows individuals to wait until 72 before taking distributions. This gives people another year and a half to grow their money before paying taxes on any of it.
Another provision of this bill makes it easier for businesses to offer 401(k)’s to their employees. The government now offers certain tax credits to those businesses that offer a 401(k) or SIMPLE IRA with automatic enrollment. They also made it easier for employers to allow part-time employees to participate in these plans.
The bill touches on many more areas of retirement that I won’t mention here. This article is less about explaining every detail and more about introducing you to the main points. There are great online resources for those that would like to dig a little deeper. See links below: https://www.investopedia.com/what-is-secure-act-how-affect-retirement-4692743 (https://www.investopedia.com/what-is-secure-act-how-affect-retirement-4692743) https://www.marketwatch.com/story/with-president-trumps-signature-the-secure-act-is-passed-here-are-the-most-important-things-to-know-2019-12-21 (https://www.marketwatch.com/story/with-president-trumps-signature-the-secure-act-is-passed-here-are-the-most-important-things-to-know-2019-12-21)
This bill is far from a fix-all for all of America’s retirement problems, but it is a step in the right direction. Regardless of what the government does, it is important to remember that it is our responsibility to ensure our success in retirement. There are many great tools that aid in retirement planning, but it is up to us to take advantage of what is available and plan for success.
The unused sick leave hours that you have at retirement can increase your pension but this might not make sense for everyone. Here is how it works. It is important to know that unused sick leave and unused annual leave is treated very differently. If you retire with any unused sick leave it is converted into creditable service for your pension calculation. For CSRS folks, each month of sick leave counts as 1/6th of 1%. This comes out to 2% for an entire year’s worth of sick leave.
For FERS, each month of sick leave would add only 1/12 of 1% to your pension calculation. This comes out to 1% for an entire year’s worth of sick leave. If your multiplier was 1.1% per year (because you retired at least 62 with at least 20 years of service) then a year's worth of sick leave would be worth the 1.1%.
It is important to note that OPM will only count full months of sick leave towards your pension. For example, if you had 6 and ½ months worth of sick leave at retirement, they’d only count the 6 months for pension purposes. However, let’s say your creditable service was 20 years and 5 and ½ months, they’d add your unused sick leave time to your creditable service before they drop the less-than-a-full-month amount. In this example, your total creditable service would add up to 21 years.
Now, you might ask, “how many sick leave hours make up a month?” Good question. It is 174. OPM gets that figure by dividing 2,087 (the number of work hours in a year) by 12. That’s because annuity payments are based on twelve 30-day months.
Although sick leave can add to your pension, it cannot be used for retirement eligibility. You must meet those requirements before unused sick leave is considered.
Case Study:
Now let’s run through an example to see how the numbers play out. Let’s say you are a FERS and your high-3 is $100k. If you retire with 30 years of creditable service, your gross pension would be about $33,000/year. If you had a year's worth of sick leave at retirement your pension would pop up to about $34,100. That is a $1,100 increase. That may seem pretty nice but you have to remember that if you would have used that year of sick leave, you would have been paid $100k (your normal salary). That is the main trade off to think about.
Now that you know how it works, you have to decide what makes sense for you and your situation. There is no hard fast rule on what makes sense for everyone. Do your best to educate yourself to make the best decision possible for you.
The Lure of the G Fund: Is it right for you? The G-fund is an incredibly unique fund that isn’t available anywhere else in the world other than in the TSP. When investing in the G-fund you have a guarantee from the U.S. Government that you will not lose money in this fund. It also guarantees the return of long-term treasuries but allows you to trade in and out as if it were short-term treasuries. Basically, it gives you higher returns with virtually no risk. The reason you can’t find this type of fund anywhere else in the world is because it costs the government money every year to provide this fund for it’s employees.
Because the G-fund is seen as being 100% “safe”, it has become an incredibly popular option especially when the stock market is sporadic. People understand that there are risks with the stock market but the real question is, what is the cost of “playing it safe”? Over the last 10 years, this fund has averaged a return of about 2.3%. Over the same period, inflation averaged about 1.8%. If all your money is invested in the G-fund, after taking into account purchasing power, your account will grow very little.
Inflation is the #1 risk people face in retirement. Now that people are living for longer, it is becoming more important than ever to find a way to make sure you don’t outlive your money. The G-fund can be an incredible tool but is rarely the best option for your entire portfolio. Because everyone’s situation is different, the best portfolio is invested in the mix of funds that matches your stage of life and financial situation, but almost always should include some stocks. Stocks can be the key to making sure your retirement savings last throughout your retirement.
As we all know, investing in stocks has risks. We don’t know where the stock market will go in the short run. But we do know that if we average the last 50 years of stock market returns, it would be right around 10%. This means that despite all the ups and downs during that time, stocks have been a great investment.
Where people get into trouble is when they aren’t prepared financially or emotionally to wait out a storm (or another 2008). The average investor invests when times are good (when stocks are up) and sells when times are bad (when stocks are down) and they repeat the process until they are either broke or too scared to invest any more. This doesn’t have to be you. You can break the cycle today.
I don’t want to completely bash on the G-fund because it can play a very important role in your retirement plan. You just have to make sure that how you invest matches your goals and will enable you to have the retirement that you have always dreamed about.
Will Uncle Sam Pay Off Your Student Loans? Being a Federal Employee has many perks, including great benefits and retirement packages. One perk that many federal employees fail to notice is loan forgiveness. Although not all loans and employees are eligible, it has been an incredible opportunity for many.
To qualify for PSLF (Public Service Loan Forgiveness) a number of conditions have to be met, including the following:
-Work for the Federal, State, Local, or Tribal Government or a Non-profit organization -Work full time for that organization -Have Federal loans -Repay those loans with a income-driven repayment plan -Make 120 qualifying payments
Let’s dig into the details of some of these.
Eligible Loans A loan is eligible if it is made under the William D. Ford Federal Direct Loan Program (Basically, if it is a direct loan). Loans from the Federal Family Education Loan (FFEL) Program and the Federal Perkins Loan (Perkins Loan) Program do not qualify unless they are consolidated into a Direct Consolidation Loan.
Student loans from private lenders do not qualify for this program.
Qualifying Payments
For a payment to be qualified it must be made: -after Oct 1, 2007 -under a qualifying repayment plan -for the full amount due as shown on your bill -not more than 15 days late -while you are employed full-time by a qualified employer
You must make at least 120 payments for the loan to be forgiven which comes out to at least 10 years. This 10 years doesn’t have to be consecutive if you are employed by a non-qualified employer in the middle of the ten years.
Another huge perk of this program is that the forgiven amount does not count as income. This differs from many loan forgiveness programs on the private side. For example, in other programs, let’s say you get $30,000 worth of loans forgiven, you’d have to include an extra $30,000 in your taxable income. With this program, this is not required. Bottom Line: More money in your pocket.
While there are a number of requirements for this program, it can be an incredible benefit if you qualify. So many people miss out on incredible benefits just like this because they simply don’t educate themselves on what is available. Don’t miss out. Take the time to educate yourself about what makes the most sense for your situation, and it could not only mean you keep so much more of your money, but that you can live in confidence knowing you are planning and ready for the future.
You have worked hard your whole career looking forward to a comfortable retirement. You have patiently invested in your TSP and planned diligently. You are excited to start drawing social security to reap the benefits of years of hard work. But, did you know that a huge portion of your social security benefits will most likely be taxable come retirement? This is a common mistake that we see people make all the time in their retirement planning. Most people assume that because they had spent years contributing to the social security program, they’ll receive this benefit with no tax consequences. This simply is not the case for many federal employees. Let’s get into how it works.
If a couple files a joint return and their combined income falls between $32k and $44k ($25k-$34k for single filers), then up to 50% of their social security will be taxable. Once you make over $44k a year ($34k for single filers), up to 85% of your social security will be taxable. Combined income in this situation is defined as the following:
Adjusted Gross Income (AGI) + Nontaxable Interest + ½ your annual social security benefit
For example, let’s say a couple’s combined income is $44k a year so their social security can be taxed only up to 50%. If that same couple decided to take $1 extra out of their TSP and make their combined income $44,001, then their social security can be taxed up to 85%. This is where the “double” taxation comes into play. They pay taxes on the money they pull out of their TSP but they also then pay extra on their social security.
Because federal employees have such a robust pension and benefits, they will most likely be paying taxes on their social security. That being said, there are a couple of things that they can do to lower their taxable income in retirement and therefore lower their chances of being subject to this “double” tax. Investing in the Roth TSP can be a great option. With the Roth option, the taxes were already paid where the money was contributed so the money can be taken out in retirement tax-free. This can be a huge help especially for those federal employees who think they will have considerable taxable income in retirement.
Most people believe that they will be in a lower tax bracket come retirement, but for federal employees, this is usually not the case. The majority of the FERS pension, regular TSP distributions, and social security benefits are taxable and most people don’t want to lower their standard of living in retirement. Because these 3 things are the main components of the FERS retirement system, most FERS will be in the same tax bracket they were before retiring. The 1st and best option is to use strategies to lower your taxable income but the next option is to plan your saving habits now so you can still have the retirement you want, despite the taxes.
Whatever you decide to do, make sure that you are educating yourself in all the pros and cons of your decisions. Your decisions now will affect you and your families lives for years to come. Take responsibility for your FERS benefits and start educating yourself today.
Myths About Taxes Federal Employees Face in Retirement As a federal employee under the Federal Employees Retirement System (FERS), you are blessed with an incredible retirement package. Retirees under FERS are entitled to a pension, something that is becoming a thing of the past in the private sector, plus there are a lot of other benefits that federal employees enjoy.
The one downside, however, to having a great retirement is all of the taxes that come along with it. Federal employees under FERS may not realize that the majority of their benefits will count as taxable income.
Let’s dig into why.
The FERS retirement program has three main components: Social Security, the TSP, and the pension or annuity. All three of these benefits can be counted as taxable income depending on your situation.
Let’s start with Social Security.
Social Security
Most people assume that because they spent years contributing to the Social Security program, they’ll receive this benefit with no tax consequences. This simply is not the case for many federal employees.
If a couple files a joint return and their combined income falls between $32k and $44k ($25k-$34k for single filers), then up to 50% of their social security will be taxable.
Once you make over $44k a year ($34k for single filers), up to 85% of your Social Security will be taxable.
The definition for combined income in this calculation is different from other tax equations, so make sure you familiarize yourself with it. The equation gets a little complicated so I’ll save that for another article.
Thrift Savings Plan
The Thrift Savings Plan (TSP) is a powerful retirement saving tool, but there can be a vast tax difference depending on which option in the TSP you used. The two types are the regular TSP and the Roth TSP.
The main difference between the regular TSP and the Roth TSP is when you pay taxes.
For the regular TSP, your contributions are tax deductible and you don’t pay any taxes until you pull the money out (usually during retirement). For the Roth TSP, your contributions are not tax-deductible, but you will never pay taxes on that money again (assuming you don’t pull out money when you aren’t supposed to).
For example, if you invest $100 into your normal TSP, the $100 would come straight out of your paycheck and you would not pay taxes on it right now. But come retirement time, let’s say that $100 has turned into $300 because it was invested. You would pay taxes on the full $300.
Let’s use the same example but with a Roth TSP account. You would pay taxes on the $100 in the year that you made it. But come retirement, you would be able to take out the entire $300 without paying a penny in taxes
Most federal employees under FERS have the majority of their TSP balance in the regular TSP.
Pension
During your career, you contributed a small amount from every paycheck into the FERS pension system. By the time you retire, only a very small portion of the pension you receive is money that you contributed to. Because of this, the vast majority of your pension, usually around 95%-98% for FERS, will be taxable income.
Conclusion
When you put all three of these benefits together (especially if most of your TSP is not Roth), it can add up to a substantial amount of taxes.
Obviously it is an amazing thing that FERS employees enjoy such a robust retirement system, but where some people run into trouble is making the assumption that they will be able to spend their gross benefits without taking taxes into consideration. With just a little planning and forethought, FERS federal employees can get ahead of the curve by knowing exactly how taxes will affect them in retirement and what they can do now to reduce it.
Retirement can be an incredible time as a federal employee. You worked hard for many long years and now it is time for you to enjoy the rewards. But the place that you choose to retire can have a huge impact on your financial situation. The things to consider are housing costs, taxes, weather, and the desirability of the location. Every year the U.S. News & World Report produces a report about the top places to retire in the United States. We will review some of the top 2020 locations here: Florida Florida showed up numerous times throughout the rankings. It even has the two top spots with Fort Myers and Sarasota. Florida can be an incredible place to retire because of the warm weather and great scenery. These cities also have lower housing costs than the average American city. Not to mention. Florida does not have state income taxes which can be a big deal in stretching out retirement savings. Lancaster, Pennsylvania Lancaster Pennsylvania has ranked very high on the "places to retire" list for many years. Many people enjoy it because it is a good mixture between nature and the city. Many of the farms are located right next to large commercial areas. People are able to enjoy the outdoors while still having access to all the amenities that come with a metro area. Asheville, North Carolina Because of its proximity to the Great Smoky Mountains National Park, this location enjoys tourism as well as an outdoor-friendly culture. With more than 25 museums, art galleries, and studios in the downtown area, this town is a great place for creative types. Despite being a strong tourist attraction, Asheville continues to have a down-to-earth feel. Although the cost of housing is slightly higher than the national average, this may be worth it to you if you love the arts and the hustle and bustle of a touristy town. Austin, Texas This location not only showed up as one of the best places to retire but also comes in as number one on the "best places to live" rankings for 2020. Austin offers rich cultural and modern entertainment at all times of the year. With moderate temperatures and a growing metro area, Austin is proving to be a very popular choice for retirees and non-retirees alike. This added demand is pushing home prices upward, but your pocketbook still benefits from no personal or corporate income tax, as well as a low state and local tax rate. Conclusion: There is no perfect place to retire for everyone. Every location has its pros and cons and its own personality. It often comes down to what you prefer and what you can afford. If you have a hefty retirement account, you often have more choices and options when choosing a place to retire. Retirement can be an incredible time especially if you have taken the time to plan out your decisions and what makes sense for you.
Your TSP is an incredible investment tool, especially during your career. The question, is it worth keeping in retirement? Many people suggest that it always makes sense to roll your TSP into an IRA. But this isn’t always the best for everyone. Let’s dig into the pros and cons.
Pros Of Keeping Your TSP The TSP has some of the best investment options available. Not only are they relatively simple to understand, they also have very low fees. For example, in the private sector you can expect to pay anywhere between 0.5%-2% to invest in an index fund or mutual fund. If we compare those fees to the remarkably low TSP fee of 0.04%, it is night and day. It is very easy to find funds on the private side that have fees that are 10 to 20 times the fees of the TSP. Once you take your money out of the TSP, you don’t have the ability to invest in their funds and will most likely be subject to higher investment fees.
Cons Of Keeping Your TSP An IRA has one major advantage over the TSP. Flexibility. As long as you meet some basic criteria, you can withdraw money out of your IRA however you’d like. With the TSP however, there are a number of rules that control how and when you can take money out. Many people find it easier to control retirement income with an IRA over the TSP.
Conclusion It usually makes the most sense to keep your money in the TSP as long as you aren’t withdrawing regularly. This way you can take advantage of the low investment fees in the TSP until the flexibility of an IRA becomes more practical.
But it is always important to remember that this solution might not be a perfect fit for you. These are just general principles and it is your responsibility to apply them to your personal situation so that you can make the best decision for you.
Following President Trump’s executive order confirming federal employee pay raises, the average employee will receive a 3.1% pay raise.
Now, we all know what often happens when we get a raise. The first few paychecks are really exciting and the extra pay feels like a nice bump. Then, we adjust to the higher amount by expanding our spending and after a couple of months we don’t even remember getting a pay raise.
Now, it doesn’t have to be this way. A pay raise is a great time to up our savings without even feeling it. It can be as easy as contributing your raise to your TSP every pay period. Once you set it up, you don’t even have to think about it. On top of that, you don’t even have to spend less because you were already used to the amount you were receiving every two weeks.
This may seem like a small change but it can make a big difference come retirement. Let’s say you make $80,000 a year and with a 3% raise you’d make $82,400. If you took the extra $200 a month and invested it in your TSP. Over the course of your career (let’s say 20 years with a 8% return) that one change would add over 100k to your TSP balance. Now think what would happen if you put more of your pay raises in the TSP? The effects are powerful.
Now answer this question. When is the best time to contribute more to your TSP? Answer: 20 Years ago. Second Best Answer: Right Now. Don’t let what you’ve done or didn’t do get you down. Start investing more today to make tomorrow incredible.