Shows / Federal Retirement Advisors | FedLegacy
Federal Retirement Advisors | FedLegacy
Clear, education-first conversations for federal employees who want to understand their benefits, avoid costly assumptions, and make confident retirement decisions using the Financial House framework.
Episodes
Federal Retirement Advisors | FedLegacyWhy a Will Alone Won’t Keep Your Family Out of Probate | Estate Planning for Federal Employees
A will by itself still has to go through probate before your family can settle your estate. In this FedLegacy webinar, William Smith sits down with Jackita…
Federal Retirement Advisors | FedLegacyBefore You Convert Your TSP to Roth, Can You Cover the Tax Bill?
Thinking about converting your TSP to a Roth? The TSP now allows in-plan Roth conversions, but it withholds nothing for taxes. If you convert $100,000 and your…
Federal Retirement Advisors | FedLegacyIs Your TSP Ready to Pay You When You Retire?
In this conversation, Raphael Jones discusses the importance of actively managing TSP funds to ensure growth and understanding the tax implications of…
Federal Retirement Advisors | FedLegacyFederal Employee Pay Stub: Which Deductions Stop in Retirement
What happens to your FERS paycheck when you retire? William Smith walks through a real federal employee pay stub line by line and shows which deductions stop…
Federal Retirement Advisors | FedLegacyFill Out This One Page Before You Retire From Federal Service
Before you submit your federal retirement paperwork, you can check whether your retirement income will cover your bills using one sheet of paper and five…
Federal Retirement Advisors | FedLegacy90 Days Before You Retire, Here's What To Do (For Federal Employees)
If you're retiring from the federal government in the next 90 days, this session is built specifically for you. William Smith walks through the exact…
Federal Retirement Advisors | FedLegacyDebt, Cash Flow, and Retirement Timing: What To Clean Up Before You File
Your federal pension and TSP might look solid on paper, but debt and cash flow can quietly push your retirement date back further than you think. In this…
- Federal Retirement Advisors | FedLegacy
The Retirement Red Zone: Protecting Your TSP in the Last 5 Years
The market has handed federal employees a decade of easy TSP growth. William Smith explains why that run isn't normal, and what changes in the years right…
Federal Retirement Advisors | FedLegacySurvivor Benefits, FEGLI, and Legacy: Protecting the People Depending on Your Plan
Your FEGLI premium goes up every five years after you retire. By age 80, a $500,000 Option B policy can cost over $400 a month, and most federal employees…
- Federal Retirement Advisors | FedLegacy
Does FEHB Cover Long-Term Care in Retirement? What Federal Employees Need to Know
Most federal employees assume FEHB and Medicare have long-term care covered. They don't, and finding that out during a health crisis is the worst possible time…
Federal Retirement Advisors | FedLegacyRoth vs Traditional TSP: The Conversion Decision Most Federal Employees Delay
Most federal employees know Roth and Traditional TSP are different. Far fewer know when converting between them actually helps versus when it just moves the…
Federal Retirement Advisors | FedLegacyThe Federal Tax Window: What To Decide Before TSP Withdrawals Start
Federal employees have a tax window most people never get, and most people miss it. This episode breaks down the two windows that open right after you retire…
- Federal Retirement Advisors | FedLegacy
Before You Attend a Retirement Seminar: The Numbers To Bring and the Questions To Ask
The conversation covers the key considerations for federal employees attending retirement seminars, including the differences in retirement strategies, the 4%…
- Federal Retirement Advisors | FedLegacy
TSP Income Gap
The conversation delves into the TSP income gap, the impact of market performance on TSP funds, strategies for managing TSP funds, balancing growth and…
- Federal Retirement Advisors | FedLegacy
Federal Retirement Process 2026: ORA Timeline, Interim Checks, and TSP Withdrawal Rules
In this session, William Smith breaks down exactly how long the federal retirement process takes from start to finish, what happens to your income during the…
- Federal Retirement Advisors | FedLegacy
The Retirement Paycheck Stack
The conversation delves into the unique nature of the federal employee paycheck stack, the impact of current headlines on retirement, offsetting inflation in…
- Federal Retirement Advisors | FedLegacy
Tax Sequencing and Roth Conversion Windows
The conversation covers the emotional impact of loss, financial planning for retirement accounts, the implications of the Secure Act 2.0, navigating taxation…
- Federal Retirement Advisors | FedLegacy
Building Your Income Engine
The conversation covers the importance of the three-legged stool in retirement planning, the impact of early social security withdrawal, and the significance…
- Federal Retirement Advisors | FedLegacy
Define Your Retirement FINISH Line™
A retirement date is not the same as a retirement plan. In this episode, William Smith introduces FINISH Line Part 1: Define Your Retirement FINISH Line™ and…
- Federal Retirement Advisors | FedLegacy
Survivor Benefits Every Federal Employee Needs to Understand
What happens to your spouse if you pass away after retirement? In this episode, William Smith breaks down one of the most misunderstood areas of federal…
Federal Retirement Advisors | FedLegacyTax Strategies for TSP
Most federal employees think their retirement plan is solid… TSP is growing. Pension is there. Social Security is expected. But there’s one problem most people…
Federal Retirement Advisors | FedLegacyIs Your House Built Right?
The conversation covers a range of topics related to personal finance, retirement planning, and the use of TSP funds. It begins with a personal story of an…
Federal Retirement Advisors | FedLegacyHow Big Should Your Roof Be?
The conversation covers topics such as purpose, racial wealth gap, financial legacy, risk aversion, market volatility, long-term care planning, TSP growth…
Federal Retirement Advisors | FedLegacyHow Federal Employees Should Manage Risk
A story about taking risks at the airport leads to a discussion on managing financial risks as a federal employee. The importance of having a plan…
- Federal Retirement Advisors | FedLegacy
Wars, Markets, and Your TSP
The conversation covers the impact of world events on financial decisions, the importance of having a strategy, and the risks of panic-driven investment…
- Federal Retirement Advisors | FedLegacy
Roth Isn't a Button – It's a Strategy
The conversation covers the decision-making process around pressing the 'new button' and the implications for tax-free income and legacy planning. It delves…
- Federal Retirement Advisors | FedLegacy
Taxes Are the Biggest Threat to Your Retirement
The conversation delves into the importance of tax strategy in retirement planning, highlighting the impact of tax efficiency on retirement savings and the…
- Federal Retirement Advisors | FedLegacy
Why Your Federal Pension Changes Everything
The conversation delves into the importance of the first pension for federal employees and the common mistakes made in retirement planning. It also explores…
- Federal Retirement Advisors | FedLegacy
The 4 Mistakes Costing Federal Employees Hundreds of Thousands
The conversation delves into the anxiety and uncertainty experienced by individuals approaching retirement, highlighting the importance of seeking guidance and…
Federal Retirement Advisors | FedLegacyThe FERS Supplement Crisis
How federal employees can navigate the FERS Supplement Crisis
Federal Retirement Advisors | FedLegacySmart Planning in Volatile Markets
Federal retirement planning
Federal Retirement Advisors | FedLegacyThe TSP Hidden Rule: Understanding the 2019 Secure Act
Understanding the 2019 Secure Act
Federal Retirement Advisors | FedLegacy5 Years to Freedom: Understanding the FEHB, FEGLI, and Roth TSP Rules That Impact Your Retirement
Federal Employees guide to Understanding the FEHB, FEGLI, and Roth TSP Rules That Impact Your Retirement
Federal Retirement Advisors | FedLegacyRIF'D But Not Forgotten
How to Reclaim Power, Protect Your Future, and Build Legacy with Strategy
Federal Retirement Advisors | FedLegacyMaximizing Your Federal Retirement with Unused Sick Leave
Debunking the myths of unused sick leave for federal employees and showing how it can help to increase your pension.
Federal Retirement Advisors | FedLegacyThe Federal Employee's Financial House
Building Your Fortress: How Federal Employees Can Create Certainty in Uncertain Times
Federal Retirement Advisors | FedLegacyRIFs and Roth Conversions for Federal Employees
Are you a federal employee wondering how to reduce taxes in retirement considering RIFs and the volatile federal working climate? This episode is for you.
Federal Retirement Advisors | FedLegacyRIFs - How to Structure Your TSP Before it's Too Late
With the volatile climate of the Federal Government under this new administration, how can you set yourself up for financial success right now? Learn how to…