A low fee on your TSP is real — but it only pays for the investment account. It doesn't coordinate your FERS pension, Social Security timing, the FEHB/Medicare Part B decision, your survivor benefit election, or your taxes. Charles and Marcus walk through what a cheap plan quietly costs federal employees, why retirement flips the job from accumulation to distribution, and what to ask before hiring or switching advisors.

Chapters:

0:00 Cheap Fees vs. the Whole Picture

0:30 Welcome + This Week's Question

1:51 Why Federal Employees Are Right to Care About Fees

2:52 Accumulation vs. Distribution: Why Retirement Changes Everything

6:06 The Trade-Offs That Don't Show Up on a Fee Schedule

8:51 Why Federal Retirement Isn't Just a 401(k)

11:11 Part B, Survivor Benefits & the Choices Nobody Assigns You

12:54 The Scissors and the All-Clad: What Quality Actually Buys

17:04 What to Ask Before You Hire (or Switch) an Advisor

19:34 When Is Cheap Actually Enough?

22:19 Watch Next

CTA: Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/

Disclaimer: Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company. Educational only; not financial, legal, tax, or investment advice. Figures discussed are illustrative — verify with the IRS, SSA, and OPM.

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