Rayna Retirement

Does every dollar you receive in retirement count toward an earnings limit? In this episode of Rayna Retirement , Rayna Reyes breaks down the difference between income from work and income from other sources—and why...

Your military service may be able to do more than fill a chapter in your career—it could also count toward your civilian federal retirement. In this episode of Rayna Retirement , Rayna Reyes explains how a military...

What happens when a health condition makes it difficult to continue doing your federal or postal job? Rayna Reyes walks through the federal disability retirement application process, including the role of a Social...

Federal retirement rules are always surrounded by proposed changes, workplace rumors and plenty of unanswered questions. But which changes actually happened—and which ones never made it across the finish line? In this...

Retirement changes more than your employment status. Your paycheck schedule, benefits contacts, approach to savings and daily routine may all look different—and preparing for those changes can help make the transition...

Life insurance can do more than provide a benefit after you’re gone. Depending on the policy, living benefits may allow you to access part of your death benefit while you’re alive following a qualifying illness or...

The fall season is upon us, and among the normal fall cleanup of a financial portfolio is an equally important but often overlooked part of retirement planning: building and maintaining an emergency fund in retirement...

Should you use accumulated sick leave before retiring? Contribute a percentage or a fixed dollar amount to the TSP? Keep family coverage after your children are no longer eligible? In this episode, Rayna Reyes plays a...

Losing someone you love is difficult enough without having to navigate unfamiliar forms, agencies and financial decisions at the same time. In this episode, Rayna Reyes explains the important steps families of federal...

You may be ready to leave your federal or postal career—but that does not necessarily mean you are ready to begin receiving your pension. Depending on your age and years of service, you may need to choose between a...

Back-to-school season can put added pressure on the family budget—but a little planning can help keep those costs under control. Retirement.Radio’s Matt McClure talks with Lora Monfared, Consumer Credit Card Executive...

A successful retirement requires more than calculating your pension, Social Security and TSP income. You also need a plan for how you will spend your time, maintain meaningful relationships and create a new sense of...

Should you leave your retirement savings in the TSP—or roll some of it into an IRA or another retirement vehicle? The answer isn't the same for everyone. In this episode of Rayna Retirement , Rayna Reyes breaks down the...

Federal employees are often encouraged to save as much sick leave as possible—but is holding onto a huge balance until retirement really the best strategy? In this episode of Rayna Retirement , Rayna Reyes explains how...

If your spouse is a federal or postal employee, their retirement decisions can have a major impact on your financial future, too. In this episode of Rayna Retirement , I’m talking directly to spouses about the federal...