『Federal Benefits Explained』のカバーアート

Federal Benefits Explained

Federal Benefits Explained

著者： Andrew McNair
無料で聴く

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.

Welcome to Swan Capital, LLC (“SWAN”), your friendly neighborhood Registered Investment Adviser ("RIA"). Now, while we may have a fancy title, remember that our registration doesn’t guarantee we’re flying high above the rest. This communication hasn’t been blessed or verified by the United States Securities and Exchange Commission (SEC) or any state securities authority. At SWAN, we believe in giving you personalized investment advice as unique as a swan’s graceful glide. We work with clients in their own states, making sure to play by all the regulatory rules or find the right exceptions. But here’s the scoop: all investments come with risks—like a wild swim in the pond—so no investment strategy can promise profits or protect you from the occasional splashdown. Just remember, past performance is like a cozy old story; it might be nice to reminisce about, but it doesn’t promise what’s coming next.   SWAN Capital, LLC is an independent firm and is not affiliated with, endorsed by, or sponsored by the Federal Employee Retirement System (FERS) or any government agency. Thanks for gliding along with us at SWAN! We’re here to help you soar to new financial heights while ensuring you can truly Sleep Well At Night!Copyright Chaesare Gray 経済学
エピソード
  • Why Retiring December 31 Could Create a Tax Surprise

    Why Retiring December 31 Could Create a Tax Surprise
    2026/09/04
    December 31 may seem like the perfect retirement date for federal employees, but it can create unexpected tax issues if you are not careful.

    In this episode, Andrew McNair explains why year-end retirement timing matters under FERS, especially when annual leave payouts, final salary, pension income, spouse income, Roth conversions, Medicare IRMAA, and TSP withdrawal strategy are all involved. A clean calendar date can sometimes create a messy tax situation.

    Andrew breaks down how annual leave lump-sum payouts are generally taxed in the year they are paid, not necessarily the year the hours were earned. That means retiring on December 31 could push income into the following year and potentially create tax bracket bunching.

    If you are a federal employee preparing for retirement, this episode can help you understand why your retirement date should be coordinated with your FERS pension, TSP, annual leave payout, Medicare, FEHB, Social Security, and retirement income plan.

    To schedule a complimentary Federal Retirement Report and review your FERS benefits, TSP, LES, Social Security statement, annual leave payout, and income plan, give us a call at 1-800-848-8768 or visit https://calendly.com/swancapital_/nocostconsultation.

    https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
    続きを読む 一部表示
    8 分
  • The FERS 1/12th Rule: How One Day Can Delay Your Pension

    The FERS 1/12th Rule: How One Day Can Delay Your Pension
    2026/08/28
    Federal employees: your FERS pension does not necessarily start the day after you retire.
    In this episode, Andrew McNair explains the FERS 1/12th rule and how OPM calculates your annuity start date. Under FERS, your pension generally begins accruing on the first day of the month after you separate. That means retiring even one day too late could delay your first pension check by an entire month.

    Andrew breaks down why January 2 and January 31 can create very different pension timing, why FERS and CSRS rules are not the same, and why weekends, holidays, HR processing, and separation dates all matter when choosing your federal retirement date.

    If you are a federal employee nearing retirement, this episode can help you understand how your FERS annuity start date, final paycheck, TSP withdrawal strategy, Social Security, survivor benefit, and retirement income plan should work together before you leave federal service.

    To schedule a complimentary Federal Retirement Report and review your FERS benefits, TSP, LES, Social Security statement, and retirement income plan, give our team a call today at 1-800-848-8768.

    https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
    続きを読む 一部表示
    6 分
  • Federal Sick Leave vs. Annual Leave

    Federal Sick Leave vs. Annual Leave
    2026/08/21
    Federal employees often wonder whether unused sick leave and annual leave help their retirement. Under FERS, they are treated very differently.

    In this episode, Andrew McNair explains how unused sick leave can convert into creditable service and potentially increase your FERS pension calculation, while annual leave does not add to your pension. Instead, annual leave is generally paid out as a lump sum after separation.

    Andrew also breaks down common sick leave myths, including whether sick leave can help you reach your minimum retirement age or 30 years of service, whether FERS still only receives partial sick leave credit, and whether annual leave boosts your pension.

    If you are a federal employee preparing for retirement, this episode can help you understand how sick leave, annual leave, your FERS pension, TSP withdrawal strategy, and retirement income plan should work together before you leave federal service.

    To schedule a complimentary Federal Retirement Report and review your FERS benefits, TSP, LES, Social Security, and income plan, give our team a call at 1-800-848-8768.

    Episode Highlights:

    • Why sick leave is not a throwaway benefit
    • How OPM converts sick leave into service credit
    • Why annual leave does not increase your FERS pension
    • What 2,087 hours means for sick leave conversion
    • Why sick leave cannot be used to meet retirement eligibility
    • Common myths about sick leave under FERS
    • How annual leave payouts may affect tax planning
    • Why sick leave, annual leave, TSP, and income planning should be coordinated

    https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
    続きを読む 一部表示
    7 分
adbl_web_anon_alc_button_suppression_t1
まだレビューはありません