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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ Check out the full article here: https://hawsfederaladvisors.com/blog/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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/ 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.

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/ Help Support Our Channel and Future Content By Donating Here: https://www.paypal.com/donate/?hosted_button_id=YDL6XPP8CQ5WU Submit a question here: https://hawsfederaladvisors.com/question-submission-page/ 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/ 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 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 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/ 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.   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/ 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/ 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. 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 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/ 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: [email protected] 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