Federal Benefits Explained

Federal Benefits Explainedhttps://www.spreaker.com/podcast/federal-benefits-explained--6837641
Hosted by Andrew McNair, founder of SWAN Capital and son of a CSRS employee, the show breaks down complex topics like the Thrift Savings Plan (TSP), federal retirement timelines, survivor benefits, taxes, and income planning — without jargon or hype.

Each episode focuses on the real decisions federal employees face as they approach retirement, offering practical education, thoughtful strategy, and long-term perspective. The goal isn’t quick tips or risky moves but helping you understand how your benefits work together so you can retire confidently and sleep well at night.

Whether you’re early in your career, five years from retirement, or already planning your exit, Federal Benefits Explained gives you the knowledge you need to make informed choices about your future.
New episodes are released weekly. Follow the show to stay informed and confident about your federal benefits.

Welcome to Swan Capital, LLC (“SWAN”), your friendly neighborhood Registered Investment Adviser ("RIA"). Now, while we may have a fancy title, remember that our registration doesn’t guarantee we’re flying high above the rest. This communication hasn’t been blessed or verified by the United States Securities and Exchange Commission (SEC) or any state securities authority. At SWAN, we believe in giving you personalized investment advice as unique as a swan’s graceful glide. We work with clients in their own states, making sure to play by all the regulatory rules or find the right exceptions. But here’s the scoop: all investments come with risks—like a wild swim in the pond—so no investment strategy can promise profits or protect you from the occasional splashdown. Just remember, past performance is like a cozy old story; it might be nice to reminisce about, but it doesn’t promise what’s coming next.   SWAN Capital, LLC is an independent firm and is not affiliated with, endorsed by, or sponsored by the Federal Employee Retirement System (FERS) or any government agency. Thanks for gliding along with us at SWAN! We’re here to help you soar to new financial heights while ensuring you can truly Sleep Well At Night! ]]>enBusinessCopyright Chaesare Grayhttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d9c60ec9c04ad2d259eb91154910f7ca.jpgFederal Benefits Explainedhttps://www.spreaker.com/podcast/federal-benefits-explained--6837641Fri, 04 Sep 2026 19:06:52 +0000Andrew McNairAndrew McNairlaura@swan-capital.comFederal Benefits Explained is a podcast designed to help federal employees make sense of their retirement benefits with clarity and confidence. Hosted by Andrew McNair, founder of SWAN Capital and son of a CSRS employee, the show breaks down complex...
Hosted by Andrew McNair, founder of SWAN Capital and son of a CSRS employee, the show breaks down complex topics like the Thrift Savings Plan (TSP), federal retirement timelines, survivor benefits, taxes, and income planning — without jargon or hype.

Each episode focuses on the real decisions federal employees face as they approach retirement, offering practical education, thoughtful strategy, and long-term perspective. The goal isn’t quick tips or risky moves but helping you understand how your benefits work together so you can retire confidently and sleep well at night.

Whether you’re early in your career, five years from retirement, or already planning your exit, Federal Benefits Explained gives you the knowledge you need to make informed choices about your future.
New episodes are released weekly. Follow the show to stay informed and confident about your federal benefits.

Welcome to Swan Capital, LLC (“SWAN”), your friendly neighborhood Registered Investment Adviser ("RIA"). Now, while we may have a fancy title, remember that our registration doesn’t guarantee we’re flying high above the rest. This communication hasn’t been blessed or verified by the United States Securities and Exchange Commission (SEC) or any state securities authority. At SWAN, we believe in giving you personalized investment advice as unique as a swan’s graceful glide. We work with clients in their own states, making sure to play by all the regulatory rules or find the right exceptions. But here’s the scoop: all investments come with risks—like a wild swim in the pond—so no investment strategy can promise profits or protect you from the occasional splashdown. Just remember, past performance is like a cozy old story; it might be nice to reminisce about, but it doesn’t promise what’s coming next.   SWAN Capital, LLC is an independent firm and is not affiliated with, endorsed by, or sponsored by the Federal Employee Retirement System (FERS) or any government agency. Thanks for gliding along with us at SWAN! We’re here to help you soar to new financial heights while ensuring you can truly Sleep Well At Night! ]]>falsefffaac10-e232-5b66-a3eb-57c0285cf429episodicWhy Retiring December 31 Could Create a Tax Surprisehttps://www.spreaker.com/episode/why-retiring-december-31-could-create-a-tax-surprise--74906526
In this episode, Andrew McNair explains why year-end retirement timing matters under FERS, especially when annual leave payouts, final salary, pension income, spouse income, Roth conversions, Medicare IRMAA, and TSP withdrawal strategy are all involved. A clean calendar date can sometimes create a messy tax situation.

Andrew breaks down how annual leave lump-sum payouts are generally taxed in the year they are paid, not necessarily the year the hours were earned. That means retiring on December 31 could push income into the following year and potentially create tax bracket bunching.

If you are a federal employee preparing for retirement, this episode can help you understand why your retirement date should be coordinated with your FERS pension, TSP, annual leave payout, Medicare, FEHB, Social Security, and retirement income plan.

To schedule a complimentary Federal Retirement Report and review your FERS benefits, TSP, LES, Social Security statement, annual leave payout, and income plan, give us a call at 1-800-848-8768 or visit https://calendly.com/swancapital_/nocostconsultation.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/74906526Fri, 04 Sep 2026 19:05:33 +0000Andrew McNairDecember 31 may seem like the perfect retirement date for federal employees, but it can create unexpected tax issues if you are not careful. In this episode, Andrew McNair explains why year-end retirement timing matters under FERS, especially when...
In this episode, Andrew McNair explains why year-end retirement timing matters under FERS, especially when annual leave payouts, final salary, pension income, spouse income, Roth conversions, Medicare IRMAA, and TSP withdrawal strategy are all involved. A clean calendar date can sometimes create a messy tax situation.

Andrew breaks down how annual leave lump-sum payouts are generally taxed in the year they are paid, not necessarily the year the hours were earned. That means retiring on December 31 could push income into the following year and potentially create tax bracket bunching.

If you are a federal employee preparing for retirement, this episode can help you understand why your retirement date should be coordinated with your FERS pension, TSP, annual leave payout, Medicare, FEHB, Social Security, and retirement income plan.

To schedule a complimentary Federal Retirement Report and review your FERS benefits, TSP, LES, Social Security statement, annual leave payout, and income plan, give us a call at 1-800-848-8768 or visit https://calendly.com/swancapital_/nocostconsultation.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>455annual,benefits,bunching,conversions,federal,fers,retirement,strategy,tax,taxes,tsp,withdrawalfalsefullThe FERS 1/12th Rule: How One Day Can Delay Your Pensionhttps://www.spreaker.com/episode/the-fers-1-12th-rule-how-one-day-can-delay-your-pension--74739211In this episode, Andrew McNair explains the FERS 1/12th rule and how OPM calculates your annuity start date. Under FERS, your pension generally begins accruing on the first day of the month after you separate. That means retiring even one day too late could delay your first pension check by an entire month.

Andrew breaks down why January 2 and January 31 can create very different pension timing, why FERS and CSRS rules are not the same, and why weekends, holidays, HR processing, and separation dates all matter when choosing your federal retirement date.

If you are a federal employee nearing retirement, this episode can help you understand how your FERS annuity start date, final paycheck, TSP withdrawal strategy, Social Security, survivor benefit, and retirement income plan should work together before you leave federal service.

To schedule a complimentary Federal Retirement Report and review your FERS benefits, TSP, LES, Social Security statement, and retirement income plan, give our team a call today at 1-800-848-8768.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/74739211Fri, 28 Aug 2026 19:39:43 +0000Andrew McNairFederal employees: your FERS pension does not necessarily start the day after you retire. In this episode, Andrew McNair explains the FERS 1/12th rule and how OPM calculates your annuity start date. Under FERS, your pension generally begins accruing...In this episode, Andrew McNair explains the FERS 1/12th rule and how OPM calculates your annuity start date. Under FERS, your pension generally begins accruing on the first day of the month after you separate. That means retiring even one day too late could delay your first pension check by an entire month.

Andrew breaks down why January 2 and January 31 can create very different pension timing, why FERS and CSRS rules are not the same, and why weekends, holidays, HR processing, and separation dates all matter when choosing your federal retirement date.

If you are a federal employee nearing retirement, this episode can help you understand how your FERS annuity start date, final paycheck, TSP withdrawal strategy, Social Security, survivor benefit, and retirement income plan should work together before you leave federal service.

To schedule a complimentary Federal Retirement Report and review your FERS benefits, TSP, LES, Social Security statement, and retirement income plan, give our team a call today at 1-800-848-8768.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>378falsefullFederal Sick Leave vs. Annual Leavehttps://www.spreaker.com/episode/federal-sick-leave-vs-annual-leave--74471726
In this episode, Andrew McNair explains how unused sick leave can convert into creditable service and potentially increase your FERS pension calculation, while annual leave does not add to your pension. Instead, annual leave is generally paid out as a lump sum after separation.

Andrew also breaks down common sick leave myths, including whether sick leave can help you reach your minimum retirement age or 30 years of service, whether FERS still only receives partial sick leave credit, and whether annual leave boosts your pension.

If you are a federal employee preparing for retirement, this episode can help you understand how sick leave, annual leave, your FERS pension, TSP withdrawal strategy, and retirement income plan should work together before you leave federal service.

To schedule a complimentary Federal Retirement Report and review your FERS benefits, TSP, LES, Social Security, and income plan, give our team a call at 1-800-848-8768.

Episode Highlights:

• Why sick leave is not a throwaway benefit
• How OPM converts sick leave into service credit
• Why annual leave does not increase your FERS pension
• What 2,087 hours means for sick leave conversion
• Why sick leave cannot be used to meet retirement eligibility
• Common myths about sick leave under FERS
• How annual leave payouts may affect tax planning
• Why sick leave, annual leave, TSP, and income planning should be coordinated

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/74471726Fri, 21 Aug 2026 18:16:35 +0000Andrew McNairFederal employees often wonder whether unused sick leave and annual leave help their retirement. Under FERS, they are treated very differently. In this episode, Andrew McNair explains how unused sick leave can convert into creditable service and...
In this episode, Andrew McNair explains how unused sick leave can convert into creditable service and potentially increase your FERS pension calculation, while annual leave does not add to your pension. Instead, annual leave is generally paid out as a lump sum after separation.

Andrew also breaks down common sick leave myths, including whether sick leave can help you reach your minimum retirement age or 30 years of service, whether FERS still only receives partial sick leave credit, and whether annual leave boosts your pension.

If you are a federal employee preparing for retirement, this episode can help you understand how sick leave, annual leave, your FERS pension, TSP withdrawal strategy, and retirement income plan should work together before you leave federal service.

To schedule a complimentary Federal Retirement Report and review your FERS benefits, TSP, LES, Social Security, and income plan, give our team a call at 1-800-848-8768.

Episode Highlights:

• Why sick leave is not a throwaway benefit
• How OPM converts sick leave into service credit
• Why annual leave does not increase your FERS pension
• What 2,087 hours means for sick leave conversion
• Why sick leave cannot be used to meet retirement eligibility
• Common myths about sick leave under FERS
• How annual leave payouts may affect tax planning
• Why sick leave, annual leave, TSP, and income planning should be coordinated

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>414annuity,benefits,employees,federal,fers,mra,opm,pension,retirement,tspfalsefullCan Federal Employees Retire Mid-Pay Period?https://www.spreaker.com/episode/can-federal-employees-retire-mid-pay-period--73999884
In this episode, Andrew McNair explains why your retirement date matters under FERS and how choosing the wrong day could cost you service credit, final leave accrual, and pension income over time. OPM generally counts full months of service when calculating your FERS annuity, which means retiring mid-month or mid-pay period may not work the way many federal employees expect.

Andrew breaks down why the end of the month and the end of the pay period matter, how to identify the “golden date,” and why your retirement date should be coordinated with your FERS pension, TSP withdrawal strategy, Social Security, survivor benefit election, annual leave, and retirement income plan.

If you are a federal employee nearing retirement, this episode can help you understand why your retirement date is more than just your final day at work.

To schedule a complimentary Federal Retirement Report and review your FERS benefits, TSP, LES, Social Security, and income plan, give our team a call at 1-800-848-8768.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/73999884Fri, 14 Aug 2026 17:38:07 +0000Andrew McNairCan a federal employee retire mid-pay period and still get credit for that time? In this episode, Andrew McNair explains why your retirement date matters under FERS and how choosing the wrong day could cost you service credit, final leave accrual,...
In this episode, Andrew McNair explains why your retirement date matters under FERS and how choosing the wrong day could cost you service credit, final leave accrual, and pension income over time. OPM generally counts full months of service when calculating your FERS annuity, which means retiring mid-month or mid-pay period may not work the way many federal employees expect.

Andrew breaks down why the end of the month and the end of the pay period matter, how to identify the “golden date,” and why your retirement date should be coordinated with your FERS pension, TSP withdrawal strategy, Social Security, survivor benefit election, annual leave, and retirement income plan.

If you are a federal employee nearing retirement, this episode can help you understand why your retirement date is more than just your final day at work.

To schedule a complimentary Federal Retirement Report and review your FERS benefits, TSP, LES, Social Security, and income plan, give our team a call at 1-800-848-8768.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>447annual,annuity,benefits,employee,employees,federal,fers,opm,pension,retire,retirement,strategy,tsp,withdrawalfalsefullWhat Happens to Your TSP When You Die? Beneficiary Mistakes Federal Employees Should Avoidhttps://www.spreaker.com/episode/what-happens-to-your-tsp-when-you-die-beneficiary-mistakes-federal-employees-should-avoid--73619588
For many federal employees, the Thrift Savings Plan may be one of the largest retirement assets they leave behind. But your will or trust may not control where your TSP goes. In many cases, the beneficiary form or TSP order of precedence may determine what happens next
.
In this episode, Andrew McNair explains why TSP beneficiary designations are so important for federal employees and retirees. You’ll learn what can happen if no beneficiary is listed, why an ex-spouse could still receive your TSP if the form was never updated, how primary and contingent beneficiaries work, and why naming a trust incorrectly could create tax problems or unintended consequences.

Andrew also covers per stirpes vs. per capita, Roth TSP beneficiary mistakes, the second-death tax trap for spouses and children, charitable beneficiary planning, and how often federal employees should review their beneficiary forms.

Before you retire, make sure your TSP, FEGLI, bank accounts, life insurance, and estate documents all work together.

To schedule a complimentary federal benefits review and beneficiary audit with SWAN Capital, visit our website

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/73619588Fri, 07 Aug 2026 14:31:46 +0000Andrew McNairWhat happens to your TSP when you die — and who actually receives the money? For many federal employees, the Thrift Savings Plan may be one of the largest retirement assets they leave behind. But your will or trust may not control where your TSP...
For many federal employees, the Thrift Savings Plan may be one of the largest retirement assets they leave behind. But your will or trust may not control where your TSP goes. In many cases, the beneficiary form or TSP order of precedence may determine what happens next
.
In this episode, Andrew McNair explains why TSP beneficiary designations are so important for federal employees and retirees. You’ll learn what can happen if no beneficiary is listed, why an ex-spouse could still receive your TSP if the form was never updated, how primary and contingent beneficiaries work, and why naming a trust incorrectly could create tax problems or unintended consequences.

Andrew also covers per stirpes vs. per capita, Roth TSP beneficiary mistakes, the second-death tax trap for spouses and children, charitable beneficiary planning, and how often federal employees should review their beneficiary forms.

Before you retire, make sure your TSP, FEGLI, bank accounts, life insurance, and estate documents all work together.

To schedule a complimentary federal benefits review and beneficiary audit with SWAN Capital, visit our website

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1054beneficiaries,beneficiary,benefits,csrs,death,employee,estate,federal,fers,planning,retirement,roth,traditional,tsp,withdrawalfalsefullShould You Decline the FERS Survivor Benefit?https://www.spreaker.com/episode/should-you-decline-the-fers-survivor-benefit--73286792
For married federal employees, this is not just a checkbox on your retirement paperwork. Your spouse plays a major role in this decision, and declining the survivor annuity generally requires notarized spousal consent submitted with your retirement application.

In this episode, Andrew McNair explains how the FERS Survivor Benefit works, what it may cost, whether the premiums are paid pre-tax or post-tax, and why this decision can have long-term consequences for your spouse’s future retirement income.

You’ll also learn about the 50%, 25%, and 0% survivor benefit options, whether the benefit receives COLA increases, what happens if there is a large age gap between spouses, and whether the FERS Survivor Benefit ever becomes “paid up.”

This is an important conversation for federal employees approaching retirement who are reviewing their FERS pension, TSP withdrawal strategy, FEHB, FEGLI, Social Security, survivor income, and overall federal benefits plan.

To discuss how your survivor benefit election fits into your full federal retirement plan, schedule a complimentary visit with our team today:

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/73286792Fri, 31 Jul 2026 16:14:37 +0000Andrew McNairShould you decline the FERS Survivor Benefit when you retire? For married federal employees, this is not just a checkbox on your retirement paperwork. Your spouse plays a major role in this decision, and declining the survivor annuity generally...
For married federal employees, this is not just a checkbox on your retirement paperwork. Your spouse plays a major role in this decision, and declining the survivor annuity generally requires notarized spousal consent submitted with your retirement application.

In this episode, Andrew McNair explains how the FERS Survivor Benefit works, what it may cost, whether the premiums are paid pre-tax or post-tax, and why this decision can have long-term consequences for your spouse’s future retirement income.

You’ll also learn about the 50%, 25%, and 0% survivor benefit options, whether the benefit receives COLA increases, what happens if there is a large age gap between spouses, and whether the FERS Survivor Benefit ever becomes “paid up.”

This is an important conversation for federal employees approaching retirement who are reviewing their FERS pension, TSP withdrawal strategy, FEHB, FEGLI, Social Security, survivor income, and overall federal benefits plan.

To discuss how your survivor benefit election fits into your full federal retirement plan, schedule a complimentary visit with our team today:

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>800falsefullHow to Prepare for FERS Retirement 5, 3, and 1 Years Outhttps://www.spreaker.com/episode/how-to-prepare-for-fers-retirement-5-3-and-1-years-out--73286654In this episode, Andrew McNair walks through what federal employees should be doing 5 years, 3 years, and 1 year before retirement. From confirming your FERS eligibility and Service Computation Date to reviewing FEHB, FEGLI, TSP withdrawals, Social Security, Medicare, cash reserves, and estate planning, this episode gives you a practical timeline for preparing for retirement with more confidence.

You’ll learn why waiting until the final year can create problems, how to think through your TSP withdrawal strategy, why the FEHB 5-year rule matters, and how to coordinate your federal benefits into a retirement income plan.

If you are within a few years of federal retirement, this episode can help you identify the major decisions to review before you submit your retirement paperwork.

If you’d like help building a personalized federal retirement strategy,
you can request your free Federal Benefits Review below.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/73286654Fri, 31 Jul 2026 16:09:47 +0000Andrew McNairAre you getting close to retirement under FERS and wondering what you might be missing? In this episode, Andrew McNair walks through what federal employees should be doing 5 years, 3 years, and 1 year before retirement. From confirming your FERS...In this episode, Andrew McNair walks through what federal employees should be doing 5 years, 3 years, and 1 year before retirement. From confirming your FERS eligibility and Service Computation Date to reviewing FEHB, FEGLI, TSP withdrawals, Social Security, Medicare, cash reserves, and estate planning, this episode gives you a practical timeline for preparing for retirement with more confidence.

You’ll learn why waiting until the final year can create problems, how to think through your TSP withdrawal strategy, why the FEHB 5-year rule matters, and how to coordinate your federal benefits into a retirement income plan.

If you are within a few years of federal retirement, this episode can help you identify the major decisions to review before you submit your retirement paperwork.

If you’d like help building a personalized federal retirement strategy,
you can request your free Federal Benefits Review below.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1034falsefullDoes FERS Pension Get a COLAhttps://www.spreaker.com/episode/does-fers-pension-get-a-cola--73029547
For many federal employees, the answer is yes — but the rules are more complicated than most people realize.

In this episode, Andrew McNair breaks down how FERS COLAs work, when they begin, why many regular FERS retirees do not receive COLAs until age 62, and why a high COLA is not always good news.

You’ll learn:

• How FERS COLAs are tied to CPI-W
• Why FERS COLAs are sometimes called a “diet COLA”
• When COLAs show up in your retirement payment
• Which federal retirees may receive COLAs before age 62
• Why retiring at the end of the year may affect your first COLA
• Why high inflation can still reduce your pension’s buying power
• How your FERS pension fits into your broader federal retirement plan

Understanding your FERS pension is only one part of retirement planning. Federal employees also need to think through TSP withdrawals, survivor benefits, taxes, Social Security, FEHB, and long-term retirement income.

If you would like help reviewing your federal benefits, pension estimate, and retirement income strategy, schedule a complimentary Federal Benefits Review with one of our advisors today.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/73029547Fri, 17 Jul 2026 15:35:48 +0000Andrew McNairDoes your FERS pension receive a cost-of-living adjustment in retirement? For many federal employees, the answer is yes — but the rules are more complicated than most people realize. In this episode, Andrew McNair breaks down how FERS COLAs work,...
For many federal employees, the answer is yes — but the rules are more complicated than most people realize.

In this episode, Andrew McNair breaks down how FERS COLAs work, when they begin, why many regular FERS retirees do not receive COLAs until age 62, and why a high COLA is not always good news.

You’ll learn:

• How FERS COLAs are tied to CPI-W
• Why FERS COLAs are sometimes called a “diet COLA”
• When COLAs show up in your retirement payment
• Which federal retirees may receive COLAs before age 62
• Why retiring at the end of the year may affect your first COLA
• Why high inflation can still reduce your pension’s buying power
• How your FERS pension fits into your broader federal retirement plan

Understanding your FERS pension is only one part of retirement planning. Federal employees also need to think through TSP withdrawals, survivor benefits, taxes, Social Security, FEHB, and long-term retirement income.

If you would like help reviewing your federal benefits, pension estimate, and retirement income strategy, schedule a complimentary Federal Benefits Review with one of our advisors today.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>617falsefullTSP RMD Rules Federal Employees Need to Knowhttps://www.spreaker.com/episode/tsp-rmd-rules-federal-employees-need-to-know--72967813
In this episode of Federal Benefits Explained, Andrew McNair breaks down what federal employees and FERS retirees need to know about RMDs, including when they begin, how they are calculated, why TSP RMDs cannot be combined with IRA RMDs, and how timing can impact your retirement income strategy.

Andrew also explains how Qualified Charitable Distributions, Roth conversions, and Medicare IRMAA surcharges fit into the bigger picture. If you are approaching retirement or already retired from federal service, this episode can help you better understand how your TSP withdrawal strategy may affect your taxes, Medicare premiums, charitable giving, and long-term retirement plan.

You’ll learn:

• When RMDs begin and how they are calculated
• Why your TSP RMD must come from your TSP
• How IRA aggregation rules work
• Why spouses cannot combine RMDs
• How QCDs may help reduce taxable income
• Why QCDs are not available directly from the TSP
• How RMDs can affect Medicare IRMAA surcharges
• Why Roth conversions and RMDs need to be coordinated
• Common RMD mistakes federal employees should avoid

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/72967813Tue, 14 Jul 2026 13:48:10 +0000Andrew McNairRequired Minimum Distributions, or RMDs, can create confusion for federal employees — especially when you have money in the TSP, outside IRAs, old 401(k)s, or inherited retirement accounts. In this episode of Federal Benefits Explained, Andrew McNair...
In this episode of Federal Benefits Explained, Andrew McNair breaks down what federal employees and FERS retirees need to know about RMDs, including when they begin, how they are calculated, why TSP RMDs cannot be combined with IRA RMDs, and how timing can impact your retirement income strategy.

Andrew also explains how Qualified Charitable Distributions, Roth conversions, and Medicare IRMAA surcharges fit into the bigger picture. If you are approaching retirement or already retired from federal service, this episode can help you better understand how your TSP withdrawal strategy may affect your taxes, Medicare premiums, charitable giving, and long-term retirement plan.

You’ll learn:

• When RMDs begin and how they are calculated
• Why your TSP RMD must come from your TSP
• How IRA aggregation rules work
• Why spouses cannot combine RMDs
• How QCDs may help reduce taxable income
• Why QCDs are not available directly from the TSP
• How RMDs can affect Medicare IRMAA surcharges
• Why Roth conversions and RMDs need to be coordinated
• Common RMD mistakes federal employees should avoid

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1186falsefullSuze Orman's TSP Advice: What Federal Employees Should Actually Dohttps://www.spreaker.com/episode/suze-orman-s-tsp-advice-what-federal-employees-should-actually-do--72790507
In this episode of Federal Benefits Explained, Andrew McNair reviews Suze Orman's most popular recommendations for the Thrift Savings Plan (TSP) and explains where he agrees, where federal employees should think differently, and how to build a retirement strategy that works with your FERS benefits.

You'll learn why maximizing your TSP can dramatically increase your retirement savings, how proper diversification can reduce long-term risk, when rebalancing makes sense, why TSP loans can become one of the biggest threats to retirement, and why personalized advice matters more than one-size-fits-all financial guidance.

Whether you're five years from retirement or just beginning your federal career, this episode will help you make more informed decisions about your TSP and your overall retirement strategy.

In this episode:

• Why maximizing your TSP is one of the smartest financial moves
• How increasing contributions can potentially add thousands to retirement
• Diversification strategies for C, S, I, G, and F Funds
• Why rebalancing matters for long-term success
• The hidden cost of TSP loans
• General financial advice vs. personalized federal retirement planning
• How TSP decisions fit into your complete FERS retirement strategy

Subscribe for weekly episodes designed specifically for federal employees planning a confident retirement.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/72790507Fri, 03 Jul 2026 10:45:02 +0000Andrew McNairFinancial expert Suze Orman has helped millions of Americans build better financial habits but does her advice fully apply to federal employees? In this episode of Federal Benefits Explained, Andrew McNair reviews Suze Orman's most popular...
In this episode of Federal Benefits Explained, Andrew McNair reviews Suze Orman's most popular recommendations for the Thrift Savings Plan (TSP) and explains where he agrees, where federal employees should think differently, and how to build a retirement strategy that works with your FERS benefits.

You'll learn why maximizing your TSP can dramatically increase your retirement savings, how proper diversification can reduce long-term risk, when rebalancing makes sense, why TSP loans can become one of the biggest threats to retirement, and why personalized advice matters more than one-size-fits-all financial guidance.

Whether you're five years from retirement or just beginning your federal career, this episode will help you make more informed decisions about your TSP and your overall retirement strategy.

In this episode:

• Why maximizing your TSP is one of the smartest financial moves
• How increasing contributions can potentially add thousands to retirement
• Diversification strategies for C, S, I, G, and F Funds
• Why rebalancing matters for long-term success
• The hidden cost of TSP loans
• General financial advice vs. personalized federal retirement planning
• How TSP decisions fit into your complete FERS retirement strategy

Subscribe for weekly episodes designed specifically for federal employees planning a confident retirement.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>624falsefullDo I Have Enough in My TSP to Retire? (Federal Retirement Income Strategy Explained)https://www.spreaker.com/episode/do-i-have-enough-in-my-tsp-to-retire-federal-retirement-income-strategy-explained--72705803
In this episode of Federal Benefits Explained, Andrew McNair explains why retirement readiness isn't determined by having $1 million—or even $2 million—in your Thrift Savings Plan. Instead, successful retirement depends on creating a sustainable income strategy built around your FERS pension, Social Security, taxes, inflation, healthcare costs, and your TSP withdrawal plan.
You'll learn why popular retirement rules like the 4% rule can fall short, how sequence of returns risk can dramatically change your retirement outcome, and why federal employees have advantages that many private-sector retirees don't.

Whether you're five years from retirement or ready to submit your paperwork, this episode will help you think differently about your TSP—and what it really takes to retire with confidence.

In this episode:

• Is there a "magic" TSP balance for retirement?
• Why retirement income matters more than account size
• Sequence of returns risk explained
• Why spreadsheets can give misleading answers
• How your FERS pension changes retirement planning
• Roth vs. Traditional TSP considerations
• Inflation, FEHB costs, and longevity planning
• Building a retirement income bridge
• The biggest retirement planning mistakes federal employees make

If you're a federal employee preparing for retirement, subscribe for weekly episodes covering TSP strategies, FERS retirement, federal benefits, taxes, Roth conversions, and retirement income planning.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/72705803Fri, 26 Jun 2026 18:01:46 +0000Andrew McNairIs there a magic TSP number that means you're ready to retire? In this episode of Federal Benefits Explained, Andrew McNair explains why retirement readiness isn't determined by having $1 million—or even $2 million—in your Thrift Savings Plan....
In this episode of Federal Benefits Explained, Andrew McNair explains why retirement readiness isn't determined by having $1 million—or even $2 million—in your Thrift Savings Plan. Instead, successful retirement depends on creating a sustainable income strategy built around your FERS pension, Social Security, taxes, inflation, healthcare costs, and your TSP withdrawal plan.
You'll learn why popular retirement rules like the 4% rule can fall short, how sequence of returns risk can dramatically change your retirement outcome, and why federal employees have advantages that many private-sector retirees don't.

Whether you're five years from retirement or ready to submit your paperwork, this episode will help you think differently about your TSP—and what it really takes to retire with confidence.

In this episode:

• Is there a "magic" TSP balance for retirement?
• Why retirement income matters more than account size
• Sequence of returns risk explained
• Why spreadsheets can give misleading answers
• How your FERS pension changes retirement planning
• Roth vs. Traditional TSP considerations
• Inflation, FEHB costs, and longevity planning
• Building a retirement income bridge
• The biggest retirement planning mistakes federal employees make

If you're a federal employee preparing for retirement, subscribe for weekly episodes covering TSP strategies, FERS retirement, federal benefits, taxes, Roth conversions, and retirement income planning.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1330falsefullFERS Survivor Benefit vs Life Insurance: Which Protects Your Spouse Betterhttps://www.spreaker.com/episode/fers-survivor-benefit-vs-life-insurance-which-protects-your-spouse-better--72634130
In this episode, Andrew McNair breaks down how Survivor Benefits work, what they cost, how they compare to term and permanent life insurance, and the tax implications every federal family should understand before retirement.

You'll learn why this decision can impact your family's income for decades, when Survivor Benefits may make sense, when life insurance may be a better fit, and how some retirees use hybrid strategies to address multiple risks at once.

Whether you're approaching retirement or helping a spouse prepare for life after federal service, this episode will help you better understand your options and avoid costly mistakes.
What You'll Learn:

How the FERS Survivor Benefit works

The difference between the 50%, 25%, and 0% survivor options

Why Survivor Benefits are often compared to term insurance

The tax treatment of Survivor Benefits versus life insurance proceeds

What happens if your spouse passes away first

The connection between Survivor Benefits and FEHB coverage

Why relying solely on your TSP may create risks for surviving spouses

Advanced planning strategies involving hybrid long-term care and life insurance

Key Takeaway:

The right answer isn't the same for every federal employee.

Factors such as health, age differences between spouses, pension income, TSP balances, healthcare needs, and retirement goals all play a role in determining whether Survivor Benefits, life insurance, or a combination of both may be appropriate.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/72634130Mon, 22 Jun 2026 14:39:01 +0000Andrew McNairOne of the most important—and irreversible—retirement decisions federal employees face is whether to elect a FERS Survivor Benefit or use life insurance to protect their spouse. In this episode, Andrew McNair breaks down how Survivor Benefits work,...
In this episode, Andrew McNair breaks down how Survivor Benefits work, what they cost, how they compare to term and permanent life insurance, and the tax implications every federal family should understand before retirement.

You'll learn why this decision can impact your family's income for decades, when Survivor Benefits may make sense, when life insurance may be a better fit, and how some retirees use hybrid strategies to address multiple risks at once.

Whether you're approaching retirement or helping a spouse prepare for life after federal service, this episode will help you better understand your options and avoid costly mistakes.
What You'll Learn:

How the FERS Survivor Benefit works

The difference between the 50%, 25%, and 0% survivor options

Why Survivor Benefits are often compared to term insurance

The tax treatment of Survivor Benefits versus life insurance proceeds

What happens if your spouse passes away first

The connection between Survivor Benefits and FEHB coverage

Why relying solely on your TSP may create risks for surviving spouses

Advanced planning strategies involving hybrid long-term care and life insurance

What makes the G Fund unique

The hidden risk many federal employees overlook

Why inflation can quietly erode purchasing power

How the G Fund fits into a retirement income strategy

When it may make sense to increase your G Fund allocation

Why age alone shouldn't determine your TSP allocation

A practical framework for transitioning from accumulation to retirement

What makes the G Fund unique

The hidden risk many federal employees overlook

Why inflation can quietly erode purchasing power

How the G Fund fits into a retirement income strategy

When it may make sense to increase your G Fund allocation

Why age alone shouldn't determine your TSP allocation

A practical framework for transitioning from accumulation to retirement

Whether you're 20 years from retirement or preparing to leave federal service in the next few years, understanding how the G Fund works can help you make more informed decisions about your TSP.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1062falsefull6 Things the TSP Doesn't Let You Do (But an IRA Does)https://www.spreaker.com/episode/6-things-the-tsp-doesn-t-let-you-do-but-an-ira-does--72375419
But what happens when retirement begins?

In this episode of Federal Benefits Explained, Andrew McNair breaks down six important limitations of the TSP that many federal employees don't discover until they're preparing to retire.

You'll learn:

• Why Roth and Traditional TSP balances must share the same investment allocation.
• The challenges of Roth conversions inside the TSP
• Why Qualified Charitable Distributions (QCDs) aren't available from the TSP
• The investment options available in an IRA that aren't available inside the TSP
• How Required Minimum Distributions (RMDs) work differently
• Why the TSP's pro-rata withdrawal rules can create challenges during market downturns.

Whether you're approaching retirement or already retired, understanding these differences can help you make more informed decisions about your retirement income strategy.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/72375419Fri, 05 Jun 2026 19:48:14 +0000Andrew McNairFederal employees often hear that the Thrift Savings Plan is one of the best retirement plans available—and during your working years, that's often true. But what happens when retirement begins? In this episode of Federal Benefits Explained, Andrew...
But what happens when retirement begins?

In this episode of Federal Benefits Explained, Andrew McNair breaks down six important limitations of the TSP that many federal employees don't discover until they're preparing to retire.

You'll learn:

• Why Roth and Traditional TSP balances must share the same investment allocation.
• The challenges of Roth conversions inside the TSP
• Why Qualified Charitable Distributions (QCDs) aren't available from the TSP
• The investment options available in an IRA that aren't available inside the TSP
• How Required Minimum Distributions (RMDs) work differently
• Why the TSP's pro-rata withdrawal rules can create challenges during market downturns.

Whether you're approaching retirement or already retired, understanding these differences can help you make more informed decisions about your retirement income strategy.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1085falsefullCan Federal Employees Really Never Lose Money in the TSPhttps://www.spreaker.com/episode/can-federal-employees-really-never-lose-money-in-the-tsp--72235515
But is that really the best strategy?

In this episode, Andrew McNair explains why avoiding market losses isn't always the same as protecting your retirement. You'll learn the hidden risk of the G Fund, how inflation impacts purchasing power, why emotional investing can derail your retirement plans, and how to determine the right amount of risk based on when you'll need the money—not simply your age.
Whether you're years away from retirement or preparing to leave federal service soon, this conversation can help you make more informed decisions about your TSP and overall retirement income strategy.

In This Episode:

Why the G Fund may not be as "safe" as it seems
The hidden danger of inflation
Why Warren Buffett's investing philosophy applies to TSP investors
The roller coaster analogy every federal employee should understand
How to determine your appropriate level of risk
Why retirement planning isn't based solely on age
Creating a retirement income cushion before retirement
Common mistakes federal employees make during market downturns

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/72235515Fri, 29 May 2026 22:02:39 +0000Andrew McNairMany federal employees believe the safest move during market uncertainty is moving everything into the TSP G Fund. But is that really the best strategy? In this episode, Andrew McNair explains why avoiding market losses isn't always the same as...
But is that really the best strategy?

In this episode, Andrew McNair explains why avoiding market losses isn't always the same as protecting your retirement. You'll learn the hidden risk of the G Fund, how inflation impacts purchasing power, why emotional investing can derail your retirement plans, and how to determine the right amount of risk based on when you'll need the money—not simply your age.
Whether you're years away from retirement or preparing to leave federal service soon, this conversation can help you make more informed decisions about your TSP and overall retirement income strategy.

In This Episode:

Why the G Fund may not be as "safe" as it seems
The hidden danger of inflation
Why Warren Buffett's investing philosophy applies to TSP investors
The roller coaster analogy every federal employee should understand
How to determine your appropriate level of risk
Why retirement planning isn't based solely on age
Creating a retirement income cushion before retirement
Common mistakes federal employees make during market downturns

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>734falsefullShould You Withdraw Traditional or Roth TSP First? (Federal Retirement Strategy)https://www.spreaker.com/episode/should-you-withdraw-traditional-or-roth-tsp-first-federal-retirement-strategy--71597360
Should you withdraw from your Traditional TSP or Roth TSP first?

The answer isn’t as simple as “tax-free is better.”

In this episode, Andrew McNair breaks down the optimal TSP withdrawal strategy—what we call your asset spend-down order—and why getting this wrong could cost you thousands in unnecessary taxes over time.

You’ll learn:

• Why Roth TSP is often best used last
• How the widow’s penalty can impact your taxes
• The role of RMDs (Required Minimum Distributions)
• When it actually makes sense to withdraw from Roth first
• How to strategically manage your tax bracket in retirement
• A powerful charitable giving strategy most federal employees miss

Whether you're under FERS or CSRS, this episode will help you build a more tax-efficient retirement income plan—and give you confidence in your decisions.

If you want a free personalized Federal Retirement & TSP Withdrawal Strategy, you can schedule a no-cost visit here: https://calendly.com/swancapital_/nocostconsultation

Or subscribe to stay up to date on weekly strategies designed specifically for federal employees.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/71597360Fri, 22 May 2026 10:00:02 +0000Andrew McNairIf you’re a federal employee preparing for retirement, one of the most important decisions you’ll make is: Should you withdraw from your Traditional TSP or Roth TSP first? The answer isn’t as simple as “tax-free is better.” In this episode, Andrew...
Should you withdraw from your Traditional TSP or Roth TSP first?

The answer isn’t as simple as “tax-free is better.”

In this episode, Andrew McNair breaks down the optimal TSP withdrawal strategy—what we call your asset spend-down order—and why getting this wrong could cost you thousands in unnecessary taxes over time.

You’ll learn:

• Why Roth TSP is often best used last
• How the widow’s penalty can impact your taxes
• The role of RMDs (Required Minimum Distributions)
• When it actually makes sense to withdraw from Roth first
• How to strategically manage your tax bracket in retirement
• A powerful charitable giving strategy most federal employees miss

Whether you're under FERS or CSRS, this episode will help you build a more tax-efficient retirement income plan—and give you confidence in your decisions.

If you want a free personalized Federal Retirement & TSP Withdrawal Strategy, you can schedule a no-cost visit here: https://calendly.com/swancapital_/nocostconsultation

Or subscribe to stay up to date on weekly strategies designed specifically for federal employees.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>797falsefullShould You Really Use the Roth TSP? Pros, Cons & Tax Traps for Federal Employeeshttps://www.spreaker.com/episode/should-you-really-use-the-roth-tsp-pros-cons-tax-traps-for-federal-employees--71597343
But what if that advice could actually cost you?

In this episode, Andrew McNair breaks down the real pros, cons, and hidden tax traps of the Roth TSP so you can make smarter decisions with your TSP and FERS retirement strategy.

You’ll learn:

The true difference between Roth and Traditional TSP
Why Roth isn’t always the best choice
The confusing 5-year rule (and how it impacts you)
How the Rule of 55 affects your access to funds
When traditional TSP may actually win
How state taxes, charitable giving, and income levels change the equation
Why tax diversification could be your smartest move

The truth is—this decision isn’t about “Roth vs Traditional.”
It’s about building a strategy that fits YOUR retirement. Want a personalized federal benefits report? https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/71597343Fri, 15 May 2026 10:00:02 +0000Andrew McNairMost federal employees are told one thing: “Just use the Roth TSP.” But what if that advice could actually cost you? In this episode, Andrew McNair breaks down the real pros, cons, and hidden tax traps of the Roth TSP so you can make smarter...
But what if that advice could actually cost you?

In this episode, Andrew McNair breaks down the real pros, cons, and hidden tax traps of the Roth TSP so you can make smarter decisions with your TSP and FERS retirement strategy.

You’ll learn:

The true difference between Roth and Traditional TSP
Why Roth isn’t always the best choice
The confusing 5-year rule (and how it impacts you)
How the Rule of 55 affects your access to funds
When traditional TSP may actually win
How state taxes, charitable giving, and income levels change the equation
Why tax diversification could be your smartest move

The truth is—this decision isn’t about “Roth vs Traditional.”
It’s about building a strategy that fits YOUR retirement. Want a personalized federal benefits report? https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1118falsefullIs Working After Federal Retirement Worth It? (FERS, SRS & Tax Impacts Explained)https://www.spreaker.com/episode/is-working-after-federal-retirement-worth-it-fers-srs-tax-impacts-explained--71597286
Many federal employees consider part-time work after retiring—but few understand how it impacts their FERS pension, Special Retirement Supplement (SRS), Social Security, taxes, and even Medicare premiums.

In this episode, Andrew McNair breaks down the real pros and cons so you can make a confident, informed decision.

You’ll learn:

When working in retirement can help your financial plan
How it may reduce your SRS benefits
The truth about Social Security earnings limits
Why working could increase your taxes and Medicare premiums
How it can impact Roth conversion opportunities

If you’re a federal employee nearing retirement—or already retired—this episode will help you avoid costly mistakes and make smarter decisions with your income.

Need a Second Opinion?

If you're wondering whether working in retirement makes sense for your situation, request your complimentary Federal Retirement Review: https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/71597286Fri, 08 May 2026 10:00:02 +0000Andrew McNairIs working after federal retirement actually worth it… or could it cost you more than you think? Many federal employees consider part-time work after retiring—but few understand how it impacts their FERS pension, Special Retirement Supplement (SRS),...
Many federal employees consider part-time work after retiring—but few understand how it impacts their FERS pension, Special Retirement Supplement (SRS), Social Security, taxes, and even Medicare premiums.

In this episode, Andrew McNair breaks down the real pros and cons so you can make a confident, informed decision.

You’ll learn:

When working in retirement can help your financial plan
How it may reduce your SRS benefits
The truth about Social Security earnings limits
Why working could increase your taxes and Medicare premiums
How it can impact Roth conversion opportunities

If you’re a federal employee nearing retirement—or already retired—this episode will help you avoid costly mistakes and make smarter decisions with your income.

Need a Second Opinion?

If you're wondering whether working in retirement makes sense for your situation, request your complimentary Federal Retirement Review: https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>886falsefullHow to Invest Your TSP with a FERS Pension (Avoid These Costly Mistakes)https://www.spreaker.com/episode/how-to-invest-your-tsp-with-a-fers-pension-avoid-these-costly-mistakes--71597255FERS pension and Social Security change everything about how you should invest your TSP.

Yet most retirement advice treats you like an average investor…

And that’s where costly mistakes happen.

In this episode, Andrew McNair breaks down how to think about your TSP as part of a complete retirement income plan—not in isolation. You’ll learn:

Why your pension acts like a built-in “bond”
The biggest mistake federal employees make with TSP
Why the traditional 60/40 portfolio may not fit your situation
How to balance growth with peace of mind
The hidden risks (like sequence of returns) that can impact your retirement

This conversation is designed to give you clarity, confidence, and a smarter strategy so you can retire knowing your plan is built to last. If you're a federal employee and want help building a personalized retirement income plan, we’ll walk you through:

Your TSP strategy
Pension & Social Security integration
Tax-efficient withdrawal plan
Long-term income projections

Why your pension acts like a built-in “bond”
The biggest mistake federal employees make with TSP
Why the traditional 60/40 portfolio may not fit your situation
How to balance growth with peace of mind
The hidden risks (like sequence of returns) that can impact your retirement

Your TSP strategy
Pension & Social Security integration
Tax-efficient withdrawal plan
Long-term income projections

Schedule your complimentary visit here: https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1571falsefullDo I Make Too Much for Roth TSP? (What Federal Employees Need to Know)https://www.spreaker.com/episode/do-i-make-too-much-for-roth-tsp-what-federal-employees-need-to-know--71421249they’re no longer eligible to contribute to a Roth account.
But when it comes to Roth TSP—that’s not true.

In this episode, Andrew McNair breaks down one of the most common (and costly) misunderstandings we see:

👉 There is NO income limit for Roth TSP contributions.
👉 But there are income limits for Roth IRAs.
We walk through a real-world example of a federal employee who unintentionally made the wrong decision simply because of confusion between these two rules.

Inside this episode, you’ll learn:

• The key difference between Roth TSP and Roth IRA income limits
• Why high-income federal employees can still use Roth TSP
• How this mistake can impact your long-term tax strategy
• When a backdoor Roth IRA may make sense
• How to prioritize Roth TSP vs Roth IRA contributions
If you're planning for FERS retirement and want more control over your future tax bill, this is a strategy you need to understand.

Bottom line:

Roth TSP is one of the most powerful—and misunderstood—tools available to federal employees.
If you’d like help building a personalized federal retirement strategy,
you can request your free Federal Benefits Review below.
https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/71421249Fri, 24 Apr 2026 13:00:02 +0000Andrew McNairMany federal employees believe that once their income reaches a certain level… they’re no longer eligible to contribute to a Roth account. But when it comes to Roth TSP—that’s not true. In this episode, Andrew McNair breaks down one of the most...they’re no longer eligible to contribute to a Roth account.
But when it comes to Roth TSP—that’s not true.

In this episode, Andrew McNair breaks down one of the most common (and costly) misunderstandings we see:

👉 There is NO income limit for Roth TSP contributions.
👉 But there are income limits for Roth IRAs.
We walk through a real-world example of a federal employee who unintentionally made the wrong decision simply because of confusion between these two rules.

Inside this episode, you’ll learn:

• The key difference between Roth TSP and Roth IRA income limits
• Why high-income federal employees can still use Roth TSP
• How this mistake can impact your long-term tax strategy
• When a backdoor Roth IRA may make sense
• How to prioritize Roth TSP vs Roth IRA contributions
If you're planning for FERS retirement and want more control over your future tax bill, this is a strategy you need to understand.

Bottom line:

Roth TSP is one of the most powerful—and misunderstood—tools available to federal employees.
If you’d like help building a personalized federal retirement strategy,
you can request your free Federal Benefits Review below.
https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1081falsefullBefore You Move Your TSP to the G Fundhttps://www.spreaker.com/episode/before-you-move-your-tsp-to-the-g-fund--71413936
For many federal employees, the G Fund feels like the “safe” choice. But what if that decision could quietly cost you more than you realize?

In this episode, Andrew McNair breaks down when the G Fund makes sense and when it could put your retirement at risk. From understanding market volatility to building a reliable income strategy, this conversation will help you make smarter, more confident decisions with your TSP.

You’ll learn why reacting to market swings can do more harm than good, how to think about your retirement income in “pillars,” and what most federal employees misunderstand about the G Fund.

If you’re within 5 years of retirement, this is a must-listen.

What You’ll Learn

• Why the G Fund is not truly “safe” long-term
• How inflation silently impacts your retirement income
• The danger of making emotional, fear-based decisions
• How to build a retirement income bridge
• Why market drops are normal—and even necessary
• The hidden limitation of TSP withdrawals most people miss

If you want clarity on how your TSP, pension, and other benefits work together, we offer a complimentary second opinion for federal employees. Schedule your visit with one of our advisors today: https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/71413936Fri, 17 Apr 2026 17:16:12 +0000Andrew McNairIf you’re approaching retirement and considering moving your TSP into the G Fund… you’re not alone. For many federal employees, the G Fund feels like the “safe” choice. But what if that decision could quietly cost you more than you realize? In this...
For many federal employees, the G Fund feels like the “safe” choice. But what if that decision could quietly cost you more than you realize?

In this episode, Andrew McNair breaks down when the G Fund makes sense and when it could put your retirement at risk. From understanding market volatility to building a reliable income strategy, this conversation will help you make smarter, more confident decisions with your TSP.

You’ll learn why reacting to market swings can do more harm than good, how to think about your retirement income in “pillars,” and what most federal employees misunderstand about the G Fund.

If you’re within 5 years of retirement, this is a must-listen.

What You’ll Learn

• Why the G Fund is not truly “safe” long-term
• How inflation silently impacts your retirement income
• The danger of making emotional, fear-based decisions
• How to build a retirement income bridge
• Why market drops are normal—and even necessary
• The hidden limitation of TSP withdrawals most people miss

If you want clarity on how your TSP, pension, and other benefits work together, we offer a complimentary second opinion for federal employees. Schedule your visit with one of our advisors today: https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1088falsefullIs 100% C Fund a Mistake? TSP Strategy for Federal Retirementhttps://www.spreaker.com/episode/is-100-c-fund-a-mistake-tsp-strategy-for-federal-retirement--71239954What works during your working years doesn’t always work in retirement. In this episode, we break down:

What the C Fund actually is (and what it’s missing)
Why recent performance can create dangerous assumptions
The real risk of going “all in” as you approach retirement
How volatility impacts your income—not just your returns
A more balanced TSP strategy for federal employees

If you’re within 10–15 years of retirement—or already retired—this conversation could help you avoid one of the most common and costly mistakes we see. Who This Is For:

Federal employees (FERS / CSRS)
Ages 45–70
Nearing retirement or recently retired
TSP-focused investors

Next Step:

If you want help aligning your TSP with your pension, Social Security, and income needs, request your free Personalized Federal Benefits Report today: https://calendly.com/swancapital_/nocostconsultation

What the C Fund actually is (and what it’s missing)
Why recent performance can create dangerous assumptions
The real risk of going “all in” as you approach retirement
How volatility impacts your income—not just your returns
A more balanced TSP strategy for federal employees

If you’re within 10–15 years of retirement—or already retired—this conversation could help you avoid one of the most common and costly mistakes we see. Who This Is For:

Federal employees (FERS / CSRS)
Ages 45–70
Nearing retirement or recently retired
TSP-focused investors

Next Step:

If you want help aligning your TSP with your pension, Social Security, and income needs, request your free Personalized Federal Benefits Report today: https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1226falsefullWhen You Should Use Traditional vs Roth TSPhttps://www.spreaker.com/episode/when-you-should-use-traditional-vs-roth-tsp--71082561
“Choose Roth if taxes will be higher later. Choose traditional if they’ll be lower.”

But real life is not that simple.

In this episode, we walk through when Roth TSP makes sense and when traditional TSP may actually be the better strategy for federal employees under FERS and CSRS.

We break down key factors like:

• Your current vs future tax bracket
• The Roth five-year rule
• Early retirement and the Rule of 55
• State tax strategy
• Qualified Charitable Distributions (QCDs)
• When tax diversification may be the smarter approach

You’ll also learn why many federal employees benefit from blending Roth and traditional contributions rather than choosing just one.

If you’re within 5–10 years of retirement, this conversation can help you make more confident decisions about your TSP and overall retirement income strategy.

If you’d like a personalized Federal Benefits Report, including your pension, TSP, FEHB, and survivor benefits mapped out clearly, you can request one using the link below.

Key Takeaways

• Roth TSP locks in today’s tax rate, which is not always optimal
• Traditional TSP provides tax deferral and flexibility later
• The Roth five-year rule impacts when earnings become tax-free
• The Rule of 55 allows penalty-free access to traditional TSP earlier
• State taxes can significantly impact your strategy
• QCDs favor traditional IRA assets for charitable giving
• Many federal employees benefit from a blended tax strategy

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/71082561Fri, 03 Apr 2026 12:45:20 +0000Andrew McNairMost federal employees are told one simple rule: “Choose Roth if taxes will be higher later. Choose traditional if they’ll be lower.” But real life is not that simple. In this episode, we walk through when Roth TSP makes sense and when traditional...
“Choose Roth if taxes will be higher later. Choose traditional if they’ll be lower.”

But real life is not that simple.

In this episode, we walk through when Roth TSP makes sense and when traditional TSP may actually be the better strategy for federal employees under FERS and CSRS.

We break down key factors like:

• Your current vs future tax bracket
• The Roth five-year rule
• Early retirement and the Rule of 55
• State tax strategy
• Qualified Charitable Distributions (QCDs)
• When tax diversification may be the smarter approach

You’ll also learn why many federal employees benefit from blending Roth and traditional contributions rather than choosing just one.

If you’re within 5–10 years of retirement, this conversation can help you make more confident decisions about your TSP and overall retirement income strategy.

If you’d like a personalized Federal Benefits Report, including your pension, TSP, FEHB, and survivor benefits mapped out clearly, you can request one using the link below.

Key Takeaways

• Roth TSP locks in today’s tax rate, which is not always optimal
• Traditional TSP provides tax deferral and flexibility later
• The Roth five-year rule impacts when earnings become tax-free
• The Rule of 55 allows penalty-free access to traditional TSP earlier
• State taxes can significantly impact your strategy
• QCDs favor traditional IRA assets for charitable giving
• Many federal employees benefit from a blended tax strategy

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1111falsefullTSP Loans Explained: Rules, Risks, and Retirement Consequences Every Federal Employee Must Knowhttps://www.spreaker.com/episode/tsp-loans-explained-rules-risks-and-retirement-consequences-every-federal-employee-must-know--70924894 But for federal employees under FERS or CSRS, borrowing from your Thrift Savings Plan can quietly derail your retirement if you do not understand the rules, risks, and long-term consequences.

In this episode of Federal Benefits Explained, Andrew McNair breaks down:

• How TSP loans really work
• The difference between general purpose and residential loans
• Loan limits and interest rates
• The hidden cost of lost compounding
• Tax penalties if you default
• What happens if you retire with a loan outstanding
• When a TSP loan may be appropriate and when it is not

If you are considering borrowing from your TSP or simply want to understand how it could impact your FERS retirement income, this episode will give you clarity and confidence before you make a decision.

Retirement is not just about saving well. It is about protecting what you have built.

If you would like a personalized Federal Retirement Benefits Report, call or text 1-800-848-8768 to schedule a complimentary Discovery visit.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/70924894Fri, 27 Mar 2026 13:11:14 +0000Andrew McNairA TSP loan may feel like easy money. After all, it is your money. But for federal employees under FERS or CSRS, borrowing from your Thrift Savings Plan can quietly derail your retirement if you do not understand the rules, risks, and long-term... But for federal employees under FERS or CSRS, borrowing from your Thrift Savings Plan can quietly derail your retirement if you do not understand the rules, risks, and long-term consequences.

In this episode of Federal Benefits Explained, Andrew McNair breaks down:

• How TSP loans really work
• The difference between general purpose and residential loans
• Loan limits and interest rates
• The hidden cost of lost compounding
• Tax penalties if you default
• What happens if you retire with a loan outstanding
• When a TSP loan may be appropriate and when it is not

If you are considering borrowing from your TSP or simply want to understand how it could impact your FERS retirement income, this episode will give you clarity and confidence before you make a decision.

Retirement is not just about saving well. It is about protecting what you have built.

If you would like a personalized Federal Retirement Benefits Report, call or text 1-800-848-8768 to schedule a complimentary Discovery visit.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>632falsefullWarren Buffett’s Advice Every Federal Employee Should Apply to Their TSPhttps://www.spreaker.com/episode/warren-buffett-s-advice-every-federal-employee-should-apply-to-their-tsp--70761187
More than you think.

In this episode, Andrew McNair breaks down timeless investing wisdom from Warren Buffett and shows how federal employees can apply it directly to their Thrift Savings Plan.

If you are a FERS or CSRS employee, this episode will help you:

• Understand why patience beats panic inside your TSP
• Learn how diversification really works in the C, S, and I Funds
• Avoid costly mistakes driven by headlines and elections
• Keep investment costs low and protect long term growth
• Think like Buffett when building your federal retirement strategy

Here is something most federal employees do not realize. If you own the C Fund, you already own Berkshire Hathaway. Warren Buffett is in your portfolio.

The bigger question is whether you are applying his principles.

Andrew explains:

• Why logging into your TSP daily can hurt your decision making
• How market timing transfers money from the impatient to the patient
• Why low cost index investing gives you a long term edge
• What Buffett would likely do if he had a TSP

Retirement is not just about building your TSP. It is about knowing how to use it wisely when you stop working.

If you are within 5 to 10 years of retirement, or already retired, this episode is especially important.

Want a personalized Federal Benefits Report?
Click the link in the show notes to schedule your complimentary discovery visit.
https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/70761187Fri, 20 Mar 2026 11:00:04 +0000Andrew McNairWhat does Warren Buffett have to do with your TSP? More than you think. In this episode, Andrew McNair breaks down timeless investing wisdom from Warren Buffett and shows how federal employees can apply it directly to their Thrift Savings Plan. If...
More than you think.

In this episode, Andrew McNair breaks down timeless investing wisdom from Warren Buffett and shows how federal employees can apply it directly to their Thrift Savings Plan.

If you are a FERS or CSRS employee, this episode will help you:

• Understand why patience beats panic inside your TSP
• Learn how diversification really works in the C, S, and I Funds
• Avoid costly mistakes driven by headlines and elections
• Keep investment costs low and protect long term growth
• Think like Buffett when building your federal retirement strategy

Here is something most federal employees do not realize. If you own the C Fund, you already own Berkshire Hathaway. Warren Buffett is in your portfolio.

The bigger question is whether you are applying his principles.

Andrew explains:

• Why logging into your TSP daily can hurt your decision making
• How market timing transfers money from the impatient to the patient
• Why low cost index investing gives you a long term edge
• What Buffett would likely do if he had a TSP

Retirement is not just about building your TSP. It is about knowing how to use it wisely when you stop working.

If you are within 5 to 10 years of retirement, or already retired, this episode is especially important.

Want a personalized Federal Benefits Report?
Click the link in the show notes to schedule your complimentary discovery visit.
https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>720falsefullThe One Fund the TSP Is Missinghttps://www.spreaker.com/episode/the-one-fund-the-tsp-is-missing--70718649
• A clear overview of the 5 core TSP funds
• How the L Funds are structured
• Why real estate behaves differently than stocks and bonds
• The difference between public REITs and private real estate
• How TSP participants over 59½ or separated from service can explore broader options
• Risks and restrictions of self-directed IRAs
• Why diversification is about risk-adjusted return — not chasing performance

If you are a FERS or CSRS employee preparing for retirement, this episode will help you think more strategically about income, inflation, and long-term diversification.
Want a personalized Federal Benefits Report?
Call 1-800-848-8768 or schedule a Discovery Visit today.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/70718649Wed, 18 Mar 2026 14:52:30 +0000Andrew McNairThe Thrift Savings Plan offers strong investment options. The C Fund. The S Fund. The I Fund. The F Fund. The G Fund. But what if your TSP is missing an entire asset class? In this episode of Federal Benefits Explained, Andrew McNair breaks down the...
• A clear overview of the 5 core TSP funds
• How the L Funds are structured
• Why real estate behaves differently than stocks and bonds
• The difference between public REITs and private real estate
• How TSP participants over 59½ or separated from service can explore broader options
• Risks and restrictions of self-directed IRAs
• Why diversification is about risk-adjusted return — not chasing performance

If you are a FERS or CSRS employee preparing for retirement, this episode will help you think more strategically about income, inflation, and long-term diversification.
Want a personalized Federal Benefits Report?
Call 1-800-848-8768 or schedule a Discovery Visit today.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>807falsefullThe TSP Mistake That Costs Federal Employees Thousandshttps://www.spreaker.com/episode/the-tsp-mistake-that-costs-federal-employees-thousands--70514065
In this episode, Andrew McNair breaks down:

How the FERS TSP match really works

The biggest mistake federal employees make when maxing out contributions

Why maxing out too early can cost you part of your match

How to calculate the correct per-pay-period contribution

What to do if you're retiring mid-year

Dollar amount vs percentage contributions — which is better?

The 20 percent household savings rule that changes retirement outcomes

If you are approaching retirement or already planning your FERS exit, this episode could protect tens of thousands of dollars in lifetime retirement income. Your agency match is not a bonus. It is part of your compensation. And missing it is like skipping a paycheck. If you want a personalized federal benefits report that shows:

Your pension estimate

Survivor election impact

TSP optimization

Tax planning strategy

Retirement income distribution modeling

Click the link in the show notes to schedule a Discovery Visit with our team.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/70514065Fri, 06 Mar 2026 20:34:01 +0000Andrew McNairAre you accidentally leaving free money on the table in your Thrift Savings Plan? For federal employees under FERS, your 5 percent TSP match is one of the most valuable retirement benefits you have. But every year, federal employees miss out on...
In this episode, Andrew McNair breaks down:

How the FERS TSP match really works

The biggest mistake federal employees make when maxing out contributions

Why maxing out too early can cost you part of your match

How to calculate the correct per-pay-period contribution

What to do if you're retiring mid-year

Dollar amount vs percentage contributions — which is better?

The 20 percent household savings rule that changes retirement outcomes

Your pension estimate

Survivor election impact

TSP optimization

Tax planning strategy

Retirement income distribution modeling

Click the link in the show notes to schedule a Discovery Visit with our team.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>676falsefullBest Retirement Strategies for Dual Federal Employeeshttps://www.spreaker.com/episode/best-retirement-strategies-for-dual-federal-employees--70333673
In this episode, Andrew McNair breaks down the three most important strategies dual FERS and CSRS couples must understand before retiring:

• How to coordinate FEHB between spouses
• Smart Survivor Benefit (SBP) decisions for dual feds
• Social Security timing strategies that protect the surviving spouse
• When to self-insure vs. use SBP
• How taxes change after the first spouse passes
• How to bridge income using your TSP

Many dual fed couples assume they can simply “mirror” each other’s benefits but that mistake can cost thousands in unnecessary taxes, lost income, or survivor shortfalls. If you and your spouse both work for the federal government, this episode will help you protect both pensions, coordinate healthcare, and maximize lifetime income. If you would like a complimentary Federal Benefits Report showing your benefits side by side, schedule your Discovery

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/70333673Fri, 27 Feb 2026 16:56:57 +0000Andrew McNairIf you and your spouse are both federal employees, your retirement strategy needs to be coordinated — not duplicated. In this episode, Andrew McNair breaks down the three most important strategies dual FERS and CSRS couples must understand before...
In this episode, Andrew McNair breaks down the three most important strategies dual FERS and CSRS couples must understand before retiring:

• How to coordinate FEHB between spouses
• Smart Survivor Benefit (SBP) decisions for dual feds
• Social Security timing strategies that protect the surviving spouse
• When to self-insure vs. use SBP
• How taxes change after the first spouse passes
• How to bridge income using your TSP

Many dual fed couples assume they can simply “mirror” each other’s benefits but that mistake can cost thousands in unnecessary taxes, lost income, or survivor shortfalls. If you and your spouse both work for the federal government, this episode will help you protect both pensions, coordinate healthcare, and maximize lifetime income. If you would like a complimentary Federal Benefits Report showing your benefits side by side, schedule your Discovery

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>733falsefullCan I Retire with $300K in My TSP?https://www.spreaker.com/episode/can-i-retire-with-300k-in-my-tsp--70183185FERS or CSRS, the answer is not as simple as comparing your balance to a million-dollar headline. Your TSP is only one part of your retirement income. In this episode, Andrew McNair walks through:

How your FERS pension changes the equation
How Social Security fits in
What the 4 percent rule really means
How to calculate retirement income from $300K
The risks of inflation, healthcare, and longevity
When retiring early might actually work
Why it is not about the balance… it is about the plan

How your FERS pension changes the equation
How Social Security fits in
What the 4 percent rule really means
How to calculate retirement income from $300K
The risks of inflation, healthcare, and longevity
When retiring early might actually work
Why it is not about the balance… it is about the plan

If you are approaching retirement and wondering whether your TSP balance is “enough,” this episode will help you replace fear with clarity.

Schedule your complimentary Discovery Visit using the link below: https://calendly.com/swancapital_/nocostconsultation

If you would like a personalized Federal Benefits Report, visit swanncapital.com or call 800-848-8768.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>836falsefullHow to Maximize Your FERS Benefits in 2026 (Pension, TSP, Social Security & FEHB)https://www.spreaker.com/episode/how-to-maximize-your-fers-benefits-in-2026-pension-tsp-social-security-fehb--69849861, TSP, Social Security, Special Retirement Supplement, and health and insurance benefits.

Many federal retirees unintentionally leave income or coverage on the table simply because they do not understand how these benefits work together. This episode is designed to replace confusion with clarity and help you make confident decisions before you file your retirement paperwork.

You will learn:

• How to determine if you qualify for a full, unreduced federal pension
• When the 1.1% pension multiplier applies and whether working longer is worth it
• How much to realistically save in the TSP, even if you are late in your career
• Why being too conservative in the G or F Fund can increase long-term risk
• How to think about Roth vs Traditional TSP contributions in today’s tax environment
• How to coordinate Social Security with the FERS Supplement and spousal benefits
• What you must do to keep FEHB into retirement
• How to approach FEGLI as costs rise with age

Andrew also explains why a personalized Federal Benefit Report is the most important step you can take before retiring, helping you see your benefits clearly before you check the boxes that cannot be undone. If you are a FERS or CSRS employee planning to retire in 2026 or beyond, this episode will help you protect what you have worked decades to earn.

Schedule your complimentary Discovery Visit using the link below: https://calendly.com/swancapital_/nocostconsultation

Schedule your complimentary Federal Retirement Benefit Report:
Call 1-800-848-8768 or email info@swan-capital.com

Subscribe for more weekly guidance on federal retirement planning

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/69849861Fri, 06 Feb 2026 21:09:53 +0000Andrew McNairFederal employees have some of the best retirement benefits available, but only if you know how to use them correctly. In this episode of Federal Benefits Explained, Andrew McNair walks through how to maximize your FERS benefits in 2026 by..., TSP, Social Security, Special Retirement Supplement, and health and insurance benefits.

Many federal retirees unintentionally leave income or coverage on the table simply because they do not understand how these benefits work together. This episode is designed to replace confusion with clarity and help you make confident decisions before you file your retirement paperwork.

You will learn:

• How to determine if you qualify for a full, unreduced federal pension
• When the 1.1% pension multiplier applies and whether working longer is worth it
• How much to realistically save in the TSP, even if you are late in your career
• Why being too conservative in the G or F Fund can increase long-term risk
• How to think about Roth vs Traditional TSP contributions in today’s tax environment
• How to coordinate Social Security with the FERS Supplement and spousal benefits
• What you must do to keep FEHB into retirement
• How to approach FEGLI as costs rise with age

Andrew also explains why a personalized Federal Benefit Report is the most important step you can take before retiring, helping you see your benefits clearly before you check the boxes that cannot be undone. If you are a FERS or CSRS employee planning to retire in 2026 or beyond, this episode will help you protect what you have worked decades to earn.

Schedule your complimentary Discovery Visit using the link below: https://calendly.com/swancapital_/nocostconsultation

Schedule your complimentary Federal Retirement Benefit Report:
Call 1-800-848-8768 or email info@swan-capital.com

Subscribe for more weekly guidance on federal retirement planning

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>1138falsefullBest Ways to Withdraw from Your TSP in Retirementhttps://www.spreaker.com/episode/best-ways-to-withdraw-from-your-tsp-in-retirement--69693545

When you can actually start taking penalty-free withdrawals from your TSP (including the key differences for regular, special provision, and early retirees)
The critical impact of state and federal taxes on your withdrawals—and why where you live in retirement still matters
How to choose between monthly, lump sum, or annuity options, and why most federal retirees should avoid the “one-size-fits-all” TSP annuity
The pros and cons of each withdrawal method, including how RMDs (Required Minimum Distributions) work and why strategic timing matters
Why a careful income plan is vital to ensure your pension, Social Security, and TSP withdrawals work together—not at cross-purposes
The benefits of letting your Roth TSP compound, coordinating withdrawals with a CPA and financial planner, and common pitfalls like pushing yourself into higher Medicare premium brackets

Andrew also explains how smart planning around TSP contributions, Roth vs. Traditional strategies, and relocation timing can dramatically improve how much you keep, not just how much you earn.

Bottom line: You don’t spend gross income in retirement - you spend net. If you want personalized guidance, our team includes financial planners, a CPA, and an estate planning attorney, all under one roof, serving federal employees nationwide.

Schedule your complimentary Federal Retirement Benefit Report:
Call 1-800-848-8768 or email info@swan-capital.com

Subscribe for more episodes breaking down federal retirement benefits in plain English.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/69693545Fri, 30 Jan 2026 21:27:10 +0000Andrew McNairIf you’re a federal employee or retiree, understanding how and when to withdraw from your TSP (Thrift Savings Plan) can make a significant difference in your retirement outcome. In this episode, Andrew McNair, founder of Swan Capital, breaks down the...

When you can actually start taking penalty-free withdrawals from your TSP (including the key differences for regular, special provision, and early retirees)
The critical impact of state and federal taxes on your withdrawals—and why where you live in retirement still matters
How to choose between monthly, lump sum, or annuity options, and why most federal retirees should avoid the “one-size-fits-all” TSP annuity
The pros and cons of each withdrawal method, including how RMDs (Required Minimum Distributions) work and why strategic timing matters
Why a careful income plan is vital to ensure your pension, Social Security, and TSP withdrawals work together—not at cross-purposes
The benefits of letting your Roth TSP compound, coordinating withdrawals with a CPA and financial planner, and common pitfalls like pushing yourself into higher Medicare premium brackets

Andrew also explains how smart planning around TSP contributions, Roth vs. Traditional strategies, and relocation timing can dramatically improve how much you keep, not just how much you earn.

Bottom line: You don’t spend gross income in retirement - you spend net. If you want personalized guidance, our team includes financial planners, a CPA, and an estate planning attorney, all under one roof, serving federal employees nationwide.

Schedule your complimentary Federal Retirement Benefit Report:
Call 1-800-848-8768 or email info@swan-capital.com

Subscribe for more episodes breaking down federal retirement benefits in plain English.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>801falsefullStates Don’t Tax Federal Pensionshttps://www.spreaker.com/episode/states-don-t-tax-federal-pensions--69375530FERS or CSRS, where you live in retirement can make a six-figure difference over time. In this episode, Andrew McNair, founder of SWAN Capital, breaks down which states do not tax federal pensions and why taxes alone should never be the only factor when deciding where to retire. You’ll learn:

Which states currently do not tax FERS and CSRS pensions
How state taxes quietly erode your retirement income over time
Why cost of living, healthcare access, and community matter just as much as tax savings
How relocating could help your TSP stretch further—or even allow you to retire earlier
Common mistakes federal retirees make when choosing a “tax-friendly” state

Andrew also explains how smart planning around TSP contributions, Roth vs. Traditional strategies, and relocation timing can dramatically improve how much you keep, not just how much you earn.

Bottom line: You don’t spend gross income in retirement - you spend net. If you want personalized guidance, our team includes financial planners, a CPA, and an estate planning attorney, all under one roof, serving federal employees nationwide.

Schedule your complimentary Federal Retirement Benefit Report:
Call 1-800-848-8768 or email info@swan-capital.com

Subscribe for more episodes breaking down federal retirement benefits in plain English.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/69375530Fri, 16 Jan 2026 11:00:08 +0000Andrew McNairIf you’re a federal employee or retiree covered under FERS or CSRS, where you live in retirement can make a six-figure difference over time. In this episode, Andrew McNair, founder of SWAN Capital, breaks down which states do not tax federal pensions...FERS or CSRS, where you live in retirement can make a six-figure difference over time. In this episode, Andrew McNair, founder of SWAN Capital, breaks down which states do not tax federal pensions and why taxes alone should never be the only factor when deciding where to retire. You’ll learn:

Which states currently do not tax FERS and CSRS pensions
How state taxes quietly erode your retirement income over time
Why cost of living, healthcare access, and community matter just as much as tax savings
How relocating could help your TSP stretch further—or even allow you to retire earlier
Common mistakes federal retirees make when choosing a “tax-friendly” state

Andrew also explains how smart planning around TSP contributions, Roth vs. Traditional strategies, and relocation timing can dramatically improve how much you keep, not just how much you earn.

Bottom line: You don’t spend gross income in retirement - you spend net. If you want personalized guidance, our team includes financial planners, a CPA, and an estate planning attorney, all under one roof, serving federal employees nationwide.

Schedule your complimentary Federal Retirement Benefit Report:
Call 1-800-848-8768 or email info@swan-capital.com

Subscribe for more episodes breaking down federal retirement benefits in plain English.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>712falsefullTop 7 TSP Mistakes to Avoidhttps://www.spreaker.com/episode/top-7-tsp-mistakes-to-avoid--69375440simple TSP mistakes can quietly cost you hundreds of thousands of dollars over time. In this episode, Andrew McNair, founder of SWAN Capital, walks through the seven most common TSP mistakes federal employees make and how to avoid them. Whether you’re covered under FERS or CSRS, this episode will help you:

Understand why default TSP settings may not serve you long-term
Avoid bad advice from “water-cooler experts” and unqualified sources
Balance risk properly as retirement approaches
Protect your TSP from inflation, emotional decisions, and over-monitoring
Ensure your TSP beneficiaries are correctly set (and why this matters more than your will)
Align your future contributions with your long-term investment strategy

Most importantly, you’ll learn what to do if you’ve already made some of these mistakes and how they can often be fixed. This episode is educational, practical, and designed to give federal employees peace of mind as they move closer to retirement.

Subscribe for more education designed specifically for federal employees.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/69375440Fri, 09 Jan 2026 20:37:54 +0000Andrew McNairFederal employees work hard for their retirement, but simple TSP mistakes can quietly cost you hundreds of thousands of dollars over time. In this episode, Andrew McNair, founder of SWAN Capital, walks through the seven most common TSP mistakes...simple TSP mistakes can quietly cost you hundreds of thousands of dollars over time. In this episode, Andrew McNair, founder of SWAN Capital, walks through the seven most common TSP mistakes federal employees make and how to avoid them. Whether you’re covered under FERS or CSRS, this episode will help you:

Understand why default TSP settings may not serve you long-term
Avoid bad advice from “water-cooler experts” and unqualified sources
Balance risk properly as retirement approaches
Protect your TSP from inflation, emotional decisions, and over-monitoring
Ensure your TSP beneficiaries are correctly set (and why this matters more than your will)
Align your future contributions with your long-term investment strategy

Most importantly, you’ll learn what to do if you’ve already made some of these mistakes and how they can often be fixed. This episode is educational, practical, and designed to give federal employees peace of mind as they move closer to retirement.

Subscribe for more education designed specifically for federal employees.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>881falsefullPanicked and Moved to the G Fund? What Federal Employees Should Do Nexthttps://www.spreaker.com/episode/panicked-and-moved-to-the-g-fund-what-federal-employees-should-do-next--69261538
If you panicked and moved your money into the G Fund or F Fund, you’re not alone — and you’re not beyond recovery.

In this episode, Andrew McNair, founder of SWAN Capital and son of a CSRS employee, explains what to do after the panic move. You’ll learn why trying to time the market often backfires, how inflation quietly erodes G Fund safety, and how federal employees can thoughtfully re-enter the market without betting on perfect timing.
Andrew breaks down complex concepts like:

Why missing just a few market days can derail long-term returns

How tools like the Shiller P/E Ratio and the Buffett Indicator provide context (not predictions)

A disciplined dollar-cost-averaging approach for getting back on track

How emotional investing impacts both DIY investors and professionals

This episode is designed to educate, reassure, and restore confidence — especially if fear, headlines, or past market pain pushed you to the sidelines.

Perfect for FERS and CSRS employees wondering:
“Did I just hurt my retirement… and how do I fix it?”

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/69261538Wed, 31 Dec 2025 17:25:21 +0000Andrew McNairMarket volatility can make even the most disciplined federal employee second-guess their TSP strategy. If you panicked and moved your money into the G Fund or F Fund, you’re not alone — and you’re not beyond recovery. In this episode, Andrew...
If you panicked and moved your money into the G Fund or F Fund, you’re not alone — and you’re not beyond recovery.

In this episode, Andrew McNair, founder of SWAN Capital and son of a CSRS employee, explains what to do after the panic move. You’ll learn why trying to time the market often backfires, how inflation quietly erodes G Fund safety, and how federal employees can thoughtfully re-enter the market without betting on perfect timing.
Andrew breaks down complex concepts like:

Why missing just a few market days can derail long-term returns

How tools like the Shiller P/E Ratio and the Buffett Indicator provide context (not predictions)

A disciplined dollar-cost-averaging approach for getting back on track

How emotional investing impacts both DIY investors and professionals

What FEGLI is (and what it is not)

How Basic, Option A, Option B, and Option C work

When FEGLI makes sense—and when private insurance may be better

How FEGLI costs change with age and retirement

The rules for keeping FEGLI after you retire

Why beneficiary reviews are critical

How FEGLI fits into survivor benefits and income planning

Andrew also explains why FEGLI decisions should never be made in isolation and how they connect to your TSP, pension, Social Security, and overall retirement strategy.

Next Step:

If you want a personalized review of your FEGLI options, survivor benefits, and retirement income plan, schedule a complimentary Discovery visit today: https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/69261525Wed, 31 Dec 2025 17:23:55 +0000Andrew McNairFederal Employees: FEGLI may be one of your most valuable benefits, or one of your most misunderstood. In this episode of Federal Benefits Explained, Andrew McNair walks you through how Federal Employee Group Life Insurance (FEGLI) really works and...
In this episode of Federal Benefits Explained, Andrew McNair walks you through how Federal Employee Group Life Insurance (FEGLI) really works and how to make smarter decisions for your family, your income plan, and your retirement.

You’ll learn:

What FEGLI is (and what it is not)

How Basic, Option A, Option B, and Option C work

When FEGLI makes sense—and when private insurance may be better

How FEGLI costs change with age and retirement

The rules for keeping FEGLI after you retire

Why beneficiary reviews are critical

How FEGLI fits into survivor benefits and income planning

Andrew also explains why FEGLI decisions should never be made in isolation and how they connect to your TSP, pension, Social Security, and overall retirement strategy.

Next Step:

If you want a personalized review of your FEGLI options, survivor benefits, and retirement income plan, schedule a complimentary Discovery visit today: https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>990falsefullFour Times You Should Avoid the Roth TSP (Federal Employees)https://www.spreaker.com/episode/four-times-you-should-avoid-the-roth-tsp-federal-employees--69261500
In this episode, Andrew McNair explains four times federal employees should seriously reconsider contributing to a Roth TSP, even though he personally loves Roth strategies.

Covered in this episode:

High-income years and why Roth can backfire

Charitable giving and Qualified Charitable Distributions (QCDs)

Peak earning years before retirement

Marriage, widowhood, and filing-status tax traps

How Roth vs. Traditional affects Medicare premiums and legacy planning

If you’re a FERS or CSRS employee, this conversation will help you avoid common tax mistakes and make smarter TSP decisions based on your situation—not generic advice.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/69261500Wed, 31 Dec 2025 17:22:53 +0000Andrew McNairThe Roth TSP is powerful, but it’s not always the right move. In this episode, Andrew McNair explains four times federal employees should seriously reconsider contributing to a Roth TSP, even though he personally loves Roth strategies. Covered...
In this episode, Andrew McNair explains four times federal employees should seriously reconsider contributing to a Roth TSP, even though he personally loves Roth strategies.

Covered in this episode:

High-income years and why Roth can backfire

Charitable giving and Qualified Charitable Distributions (QCDs)

Peak earning years before retirement

Marriage, widowhood, and filing-status tax traps

How Roth vs. Traditional affects Medicare premiums and legacy planning

If you’re a FERS or CSRS employee, this conversation will help you avoid common tax mistakes and make smarter TSP decisions based on your situation—not generic advice.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>923falsefullCan You Move Your IRA or 401(k) Into the TSP? A Federal Employee Guidehttps://www.spreaker.com/episode/can-you-move-your-ira-or-401-k-into-the-tsp-a-federal-employee-guide--69261482
In this episode, Andrew McNair, founder of SWAN Capital and son of a CSRS employee, walks federal employees through exactly how TSP rollovers work without the jargon or guesswork.

You’ll learn:

Which retirement accounts can be moved into the TSP

Why Roth IRAs cannot be transferred

How to complete a rollover without triggering taxes

The pros and cons of consolidating into the TSP

When an IRA may offer more flexibility than the TSP

Andrew also explains common mistakes he sees with multiple retirement accounts — including missed RMDs, outdated beneficiaries, and overlapping investments — and how consolidation can bring clarity heading into retirement.

This episode is designed to help FERS and CSRS employees simplify their financial “junk drawer” and make confident decisions about their retirement strategy.
Bottom line: Moving money into the TSP isn’t about right or wrong — it’s about aligning your accounts with your retirement income plan.

To receive a personalized Federal Benefits Report, schedule a complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/69261482Wed, 31 Dec 2025 17:21:26 +0000Andrew McNairCan you move an old 401(k), 403(b), or IRA into the Thrift Savings Plan? And more importantly, should you? In this episode, Andrew McNair, founder of SWAN Capital and son of a CSRS employee, walks federal employees through exactly how TSP rollovers...
In this episode, Andrew McNair, founder of SWAN Capital and son of a CSRS employee, walks federal employees through exactly how TSP rollovers work without the jargon or guesswork.

You’ll learn:

Which retirement accounts can be moved into the TSP

Why Roth IRAs cannot be transferred

How to complete a rollover without triggering taxes

The pros and cons of consolidating into the TSP

When an IRA may offer more flexibility than the TSP

Andrew also explains common mistakes he sees with multiple retirement accounts — including missed RMDs, outdated beneficiaries, and overlapping investments — and how consolidation can bring clarity heading into retirement.

This episode is designed to help FERS and CSRS employees simplify their financial “junk drawer” and make confident decisions about their retirement strategy.
Bottom line: Moving money into the TSP isn’t about right or wrong — it’s about aligning your accounts with your retirement income plan.

To receive a personalized Federal Benefits Report, schedule a complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>755falsefullBest L Fund for You? How Federal Employees Should Choose the Right TSP Lifecycle Fundhttps://www.spreaker.com/episode/best-l-fund-for-you-how-federal-employees-should-choose-the-right-tsp-lifecycle-fund--69261453
In this episode of Federal Benefits Explained, Andrew McNair breaks down how TSP L Funds (Lifecycle Funds) really work, the advantages and drawbacks of using them, and how federal employees can decide whether an L Fund — or a custom strategy — makes the most sense.

You’ll learn:

What TSP L Funds are and how they automatically adjust over time

Why default TSP allocations matter more than most people realize

The pros and cons of “set it and forget it” investing

When L Funds may shift too conservative too early

Smart strategies for choosing an L Fund or going beyond one

How coordinated planning across your TSP, IRA, and spouse’s 401(k) can improve outcomes

If you’re a FERS or CSRS federal employee and want clarity, confidence, and control over your retirement plan, this episode is for you.

Want personalized guidance? Call 1-800-848-8768 to request your Federal Retirement Report and see how your TSP, FEHB, FEGLI, and income strategy fit together.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/69261453Wed, 31 Dec 2025 17:19:33 +0000Andrew McNairChoosing the right TSP L Fund can feel overwhelming especially when you see 11 different lifecycle funds and aren’t sure which one actually fits your retirement goals. In this episode of Federal Benefits Explained, Andrew McNair breaks down how TSP...
In this episode of Federal Benefits Explained, Andrew McNair breaks down how TSP L Funds (Lifecycle Funds) really work, the advantages and drawbacks of using them, and how federal employees can decide whether an L Fund — or a custom strategy — makes the most sense.

You’ll learn:

What TSP L Funds are and how they automatically adjust over time

Why default TSP allocations matter more than most people realize

The pros and cons of “set it and forget it” investing

When L Funds may shift too conservative too early

Smart strategies for choosing an L Fund or going beyond one

How coordinated planning across your TSP, IRA, and spouse’s 401(k) can improve outcomes

If you’re a FERS or CSRS federal employee and want clarity, confidence, and control over your retirement plan, this episode is for you.

Want personalized guidance? Call 1-800-848-8768 to request your Federal Retirement Report and see how your TSP, FEHB, FEGLI, and income strategy fit together.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>602falsefullHow Federal Employees Can Double Their TSP (Without Risky Moves)https://www.spreaker.com/episode/how-federal-employees-can-double-their-tsp-without-risky-moves--69261069
In this episode, Andrew McNair breaks down how federal employees can double their TSP using three controllable factors: asset allocation, contributions, and time. You’ll learn why going all-in on one fund can backfire, how contribution strategy matters just as much as returns, and why staying ahead of inflation is critical for a successful retirement.

Whether you’re five, ten, or twenty years from retirement, this episode will help you think differently about your TSP — not based on age, but on time horizon and discipline.

If you’re feeling behind, overwhelmed, or unsure whether your current strategy is enough, this conversation will bring clarity and confidence.
Topics covered include:

Why asset allocation matters more than picking a “hot” fund

How the Rule of 72 applies to your TSP

The real impact of inflation on retirement

Contribution benchmarks every federal employee should know

Why consistency beats risky catch-up strategies

Subscribe for more education designed specifically for federal employees.

https://calendly.com/swancapital_/nocostconsultation

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com. ]]>https://api.spreaker.com/episode/69261069Wed, 31 Dec 2025 16:19:07 +0000Andrew McNairYou don’t need formulas, market timing, or risky bets to grow your Thrift Savings Plan. In this episode, Andrew McNair breaks down how federal employees can double their TSP using three controllable factors: asset allocation, contributions, and...
In this episode, Andrew McNair breaks down how federal employees can double their TSP using three controllable factors: asset allocation, contributions, and time. You’ll learn why going all-in on one fund can backfire, how contribution strategy matters just as much as returns, and why staying ahead of inflation is critical for a successful retirement.

Whether you’re five, ten, or twenty years from retirement, this episode will help you think differently about your TSP — not based on age, but on time horizon and discipline.

If you’re feeling behind, overwhelmed, or unsure whether your current strategy is enough, this conversation will bring clarity and confidence.
Topics covered include:

Why asset allocation matters more than picking a “hot” fund

How the Rule of 72 applies to your TSP

The real impact of inflation on retirement

Contribution benchmarks every federal employee should know

Why consistency beats risky catch-up strategies