Federal Retirement Advisors | FedLegacy

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 never see that number until it's already hitting their check. In...

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 to learn it. In this episode, William Smith breaks down...

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 tax bill and adds a new problem. In this episode, William...

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, why the Secure Act's 10 year rule changed the math on your...

The conversation covers the key considerations for federal employees attending retirement seminars, including the differences in retirement strategies, the 4% rule, TSP strategy, safety and growth in federal benefits...

The conversation delves into the TSP income gap, the impact of market performance on TSP funds, strategies for managing TSP funds, balancing growth and protection, the importance of historical returns, managing income...

The conversation delves into the unique nature of the federal employee paycheck stack, the impact of current headlines on retirement, offsetting inflation in retirement, the role of Social Security, financial house and...

<p>The conversation covers the emotional impact of loss, financial planning for retirement accounts, the implications of the Secure Act 2.0, navigating taxation, RMDs, Roth conversions, IRMA and tax implications, tax...

<p>The conversation covers the importance of the three-legged stool in retirement planning, the impact of early social security withdrawal, and the significance of understanding the three-legged stool for federal...

<p>A retirement date is not the same as a retirement plan.</p><p></p><p>In this episode, William Smith introduces <b>FINISH Line Part 1: Define Your Retirement FINISH Line™</b> and explains why federal employees need...

<p>What happens to your spouse if you pass away after retirement?</p><p></p><p>In this episode, William Smith breaks down one of the most misunderstood areas of federal retirement planning: <b>survivor...

<p>Most federal employees think their retirement plan is solid…</p><p></p><p>TSP is growing.</p><p>Pension is there.</p><p>Social Security is expected.</p><p></p><p>But there’s one problem most people don’t...

<p>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 unexpected homecoming and financial crisis, leading to a...

<p>The conversation covers topics such as purpose, racial wealth gap, financial legacy, risk aversion, market volatility, long-term care planning, TSP growth, legacy planning, tax strategy, wealth utilization, and...

<p>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, understanding market risks, and creating a financial income plan are...