Stay up to date with the latest tips, trends, and advice on federal retirement planning through the FedSmart Podcast. Whether you’re new to the federal workforce or nearing retirement.
Federal retirement comes with plenty of questions, especially when it comes to healthcare and the FERS supplement.
In this FedSmart Podcast Q&A episode, Jesse Black and Steven Puckett discuss Medicare Part B for federal retirees, what federal employees need to know about keeping FEHB coverage in retirement, and when the earnings limit applies to the FERS retirement supplement.
They also address common questions about the FEHB five-year rule, adding family members to your health plan, Medicare IRMAA brackets, and how special provision and early-out retirements can affect the supplement earnings limit.
What actually makes a federal retirement plan a great one?
In this episode of the FedSmart Podcast, Jesse Black and Steven Puckett break down the key elements they believe federal employees should consider when preparing for retirement. They discuss retirement income from FERS, Social Security and the TSP, the importance of maintaining reserves for inflation and unexpected expenses, and why retirement planning should go beyond the numbers.
They also explore an often-overlooked question: What are you retiring to?
Whether retirement is approaching or still several years away, this episode offers practical considerations to help you think more intentionally about your income, lifestyle, goals and the kind of retirement you want to build.
Think your federal pension will cover retirement on its own? Jesse Black and Steven Puckett break down the biggest misconception they see after 22 years of helping federal employees retire: relying solely on your pension instead of building a real income strategy. Learn why the FERS system depends on a “three-legged stool” of pension, Social Security, and TSP, why your pension alone often can’t keep up with inflation, and why “never touching your TSP” isn’t the brag people think it is. Whether you’re years from retirement or already there, this episode will help you start planning intentionally for the retirement you actually want.
In this FedSmart Q&A episode, Jesse Black and Steven Puckett answer three common federal retirement questions that many employees face as they approach retirement. They discuss how the Rule of 55 works with TSP withdrawals, what spouses need to keep FEHB health coverage after retirement, and whether federal employees still working at 65 need Medicare Part B. This episode delivers straightforward educational insight designed to help federal employees better understand key retirement decisions.
Jesse Black and Steven Puckett break down the updated TSP withdrawal rules for federal employees in retirement. In this episode, they cover lump sum withdrawals, installment payments, TSP annuities, tax withholding considerations, and important details retirees should understand before accessing their retirement savings. Practical, easy-to-follow information designed to help federal employees better understand how TSP withdrawals work in retirement.
In this FedSmart Q&A episode, Jesse Black and Steven Puckett answer three of the most common questions federal employees ask when planning for retirement. From Social Security earnings limits to Roth TSP misconceptions and the differences between postponing and deferring retirement, this episode breaks down key details that often create confusion.
If you’re approaching retirement or just trying to better understand your options, this conversation offers practical clarity on decisions that can impact your long-term strategy.
Many federal employees spend decades saving and preparing for retirement, only to enter it without a clear plan for how to actually use their money.
In this episode, Jesse Black and Steven Puckett walk through what they are seeing in real conversations with federal employees across the country. From underutilizing retirement savings to withdrawing too much too soon, they discuss how a lack of personalized planning often leads to missed opportunities or unnecessary risk.
This conversation highlights the importance of understanding how your pension, Social Security, and TSP work together, and why general advice is not enough when it comes to retirement decisions.
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