federalretirement

There are a couple of times a year when it’s really important to have clients come in and review things. As we move into the fall/winter season, this is one of those times for both Micah and today’s guest, Christian Sakamoto. Today Christian and Micah talk about some of the key things they’re discussing with clients and how they use this transitional season to ensure everyone is on the right track.

You can find all show notes for this episode at: https://plan-your-federal-retirement.com/63 

The question of whether to buy back military time is something that affects a lot of people. This episode features Christian Sakamoto, a great advisor from our office who has valuable insight to share on this topic. Today, he and Micah discuss the key areas that you need to be aware of to decide whether buying back your time makes sense for you.

You can find all show notes for this episode at: https://plan-your-federal-retirement.com/53

As people get ready to retire, questions about long-term care often start coming up. Although it may not be the most fun subject, it’s a great one to have a solid understanding of and plan for. So, in this episode, Tammy and Micah let you in on the things you most need to know about LTC, as well as things you should avoid.

You can find all show notes for this episode at: https://plan-your-federal-retirement.com/45

Now that we’re in February, we're going to call this episode "the love episode"—and there’s no love like survivor benefits. So today, Micah and Tammy discuss important planning decisions when it comes to retiring as a couple and planning for post-retirement transitions. You will also get a great look into survivor benefits, including what you should be looking out for and thinking about to allow that process to go smoothly.

You can find all show notes for this episode at: https://plan-your-federal-retirement.com/44

In this mini-series, Micah and Tammy have been talking about your TSP during a time of volatility and the strategies you can implement to encourage growth and stability at all times. (If you haven’t yet, check out the previous two episodes where they answer questions about TSP in retirement and outline the bucket strategy.) This third episode is all about the silver linings and great changes the TSP has made and why it is such a great wealth-building investment tool.

You can find all show notes for this episode at: https://plan-your-federal-retirement.com/40

At 65, something happens to all of us where we have this forced decision that we have to deal with when it comes to Medicare—and it opens up a few more options. There are a lot of rumors about Medicare that go around (some true, some not true), so facing plan changes and all the uncertainties can be a bit overwhelming. Today, Micah and Tammy get into some of the most important parts of this key decision so you will have a better idea of how to plan for when that time comes.

You can find all show notes for this episode at: https://plan-your-federal-retirement.com/36

Today, Micah and Tammy are picking up where they left off in the last episode and discussing Social Security COLA and your TSP COLA. They'll be sharing how those two things work together, as well as how you can plan for them to serve you best.

You can find all show notes for this episode at: https://plan-your-federal-retirement.com/35

When preparing for retirement, it's important to plan for flexibility. There are a number of post-retirement risks that can upend the most precisely laid-out retirement plans, and the longer the retirement period grows, the harder it is to be certain you have planned accordingly with your assets. So, in this episode, Micah and Tammy will be sharing several misconceptions around the risk of retirement, as well as the actual risks and the potential impact they may have on your financial future.

You can find all show notes for this episode at: https://plan-your-federal-retirement.com/33 

When it comes to retirement, there is an overwhelming amount of incomplete or incorrect information on the internet purported as fact. The truth is, you don’t know what you don’t know, so it can be easy to overlook these misconceptions and accept them as truth. In this episode, Micah and Tammy will be sharing some insights into things you can look at before you retire to ensure your path to a clear and relaxed future.

You can find all show notes for this episode at: https://plan-your-federal-retirement.com/31 

There is so much misinformation out there, and sometimes, it is important to simply get back to basics and ensure your information is correct. So in this episode, Micah and Tammy will be going over the fundamentals of retirement, focusing on how things may change from individual to individual and the different choices that may affect your specific case.

You can find all show notes for this episode at: https://plan-your-federal-retirement.com/30 

Divorce is generally not a fun topic, but when you are considering retirement, it is a necessary discussion to have. For many people, the terms and conditions of a divorce can come back to haunt them—even decades later—if they are not completely settled upon in the beginning. So in this episode, Micah and Tammy will be discussing divorce and how to understand all the legal language within a court order so you can avoid any financial shocks later in life.

You can find all show notes for this episode at: https://plan-your-federal-retirement.com/28 

Are you wondering what to do about your social security or how to go about taking money from your TSP? If so, this episode is for you! Today, Micah and Tammy chat about how to balance social security and TSP so you get the most benefit. You’ll also learn what things you need to be aware of in order to get the most out of your benefits and make a plan for how to cash in on them properly.

You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/27 

You’ve worked your whole life, now you’re ready to retire. But do you know how to maximize your benefits and set yourself up for retirement success? In this episode, we’re talking all about the Thrift Savings Plan and how to find that sweet spot to maintain a nice retirement lifestyle and your savings at the same time. Listen in as we discuss the things you need to consider before taking a loan from the TSP account, what you should maybe look into as a first step, and why it’s important to plan and have an emergency fund. 

You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/26

With so many misconceptions around life insurance, it can be hard to determine the appropriate plan or amount for your needs. Unfortunately, there are some people in the financial business that believe it is a one size fits all service, however that is not the case. So where do you begin? In this episode, Micah and Tammy will be dispelling some of these myths as well as explaining exactly how life insurance works - including how much you need, how long to keep it and how to simplify the situation.

You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/24 

Do you have a plan put in place for who will inherit your assets after your demise? Many people are solely focused on increasing their assets whilst they are still alive, but often forget about securing who it will all go to when they are gone. In this episode, Micah and Tammy will be discussing the documents that ever person over the age of 18 should absolutely have, as well as several documents that are optional but will improve your estate planning in the long run.

You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/22 

Ensuring you have met your savings goals during your retirement planning is incredibly important, but it is just one of many things to consider. Unfortunately, retirement planning doesn’t stop when you retire, and it’s important to make sure you’ll be able to maintain your goals once you have retired. So in this episode, Micah and Tammy will be going over the next steps after your transition out of work, including the dates to be aware of and planning opportunities that may come up.

You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/21   

When it comes to your retirement, it can be a very stressful time—or it can be a very smooth transition. It really comes down to what planning you have put in place to set yourself up for success. In this episode, Micah and Tammy will be sharing the practices you must have in place the year of retirement in order to ensure you can segue out of your working life with confidence.

You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/20  

When we consider retirement, most of us think about this chapter in our lives as a positive time—and it can be, as long as we are fully prepared. So today, Micah and Tammy will be discussing all the measurements to put in place as you approach your retirement. They will be sharing how to ensure your loved ones are protected through insurance, as well as the courses you can take to better understand your benefits.

You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/19  

When you are planning for your retirement, there are a lot of different areas you need to be aware of financially, and it can be an overwhelming amount of information to take in at once. So today, Tammy and Micah will be discussing the key factors to keep an eye on when you are 5-10 years out from retirement, including pensions, health insurance, and more.

You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/18  

Tax season is upon us, and for many, it is a scary time. With so many opinions floating around, it is hard to decipher between what is fact and what is simply a misconception. So today Tammy and Micah will be discussing common mistakes made when it comes to taxes and how to avoid them this year.

You can find show notes and more information by clicking here: https://plan-your-federal-retirement.com/17