『Federal Benefits Explained』のカバーアート

Federal Benefits Explained

Federal Benefits Explained

著者： Andrew McNair
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Federal 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 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.
Copyright Chaesare Gray 経済学
エピソード
  • Does FERS Pension Get a COLA

    Does FERS Pension Get a COLA
    2026/07/17
    Does 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, 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.
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    10 分
  • TSP RMD Rules Federal Employees Need to Know

    TSP RMD Rules Federal Employees Need to Know
    2026/07/14
    Required 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 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.
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    20 分
  • Suze Orman's TSP Advice: What Federal Employees Should Actually Do

    Suze Orman's TSP Advice: What Federal Employees Should Actually Do
    2026/07/03
    Financial 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 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.
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    10 分
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