Plan Your Federal Retirement

Plan Your Federal Retirement Helping you understand your federal benefits and plan your Federal Retirement.

Investment advisory services offered through CWM, LLC, an SEC Registered Investment Advisor. Third party posts found on this profile do not reflect the views of CWM, LLC and have not been reviewed by CWM,LLC as to accuracy or completeness. Endorsements, recommendations, or reviews received on this profile may or may not be from a verified client, and as such may or may not reflect real-life experiences of individuals who used our services. Individual results vary, and CWM, LLC does not claim, nor should the reader assume, that any individual experience recounted are representative of what anyone using our services may experience. No compensation was provided directly or indirectly to the promoter for the endorsement, recommendation, or review received.

When every day feels like the weekend, do you think you’ll spend money differently? Think about it. When you’re working...
09/29/2026

When every day feels like the weekend, do you think you’ll spend money differently?

Think about it. When you’re working, your weekdays have a set routine.

Then you retire.

You have more time to travel. More time to eat out. More time for hobbies. More time with family.

And potentially… more opportunities to spend money.

That’s why cash flow is so important in retirement.

Before you worry about where every retirement dollar will come from, take time to understand where your money is going.

You don't necessarily need to account for every penny. You need a system that helps you understand what retirement actually costs for you. That's what we're talking about in this week's episode.

🎧 https://zurl.co/z1R76

Is a will enough for your estate plan? For federal employees, there may be more to review, the TSP and FEGLI beneficiari...
09/28/2026

Is a will enough for your estate plan?

For federal employees, there may be more to review, the TSP and FEGLI beneficiaries, powers of attorney, medical directives, and more.

And here's the part that's easy to overlook:

Don't just assume your beneficiary information was updated. Verify what's actually on file.



🎧 Listen to the full episode to learn what you may want to review before retirement. https://zurl.co/X2C2R

Do federal employees really need $1 million to retire? Maybe. Maybe not. Your retirement number depends on much more tha...
09/09/2026

Do federal employees really need $1 million to retire?

Maybe. Maybe not.

Your retirement number depends on much more than your TSP balance.

Your FERS pension, Social Security, spending, taxes, health care costs, retirement age, and the lifestyle you want can all affect how much you may actually need.

Tune in to today's FERS Federal Fact Check, and find out why retirement planning should begin with your expected income and spending, not a number from a headline.

🎧 Listen to the full episode: https://zurl.co/zaJwb

09/01/2026

Freedom in retirement usually comes down to one question: Can your cash flow support your life? What do you think matters more - portfolio size or income flow?

🎧 Full episode here >>> https://zurl.co/ZPrYv

You retired. Your paycheck stopped. Now what? One of the biggest changes when you retire from federal service isn’t just...
08/31/2026

You retired. Your paycheck stopped. Now what?

One of the biggest changes when you retire from federal service isn’t just figuring out how to spend your extra free time.

It’s making sure you can pay your bills while OPM works on processing your retirement.

You might get a payout for your unused annual leave. You could start getting interim retirement payments. You may also have some savings set aside.

But here's the question: Do you actually have a plan for turning those different sources of money into your retirement paycheck?

In this episode of the Plan Your Federal Retirement Podcast, we're talking about the transition between your final federal paycheck and your finalized FERS pension and why cash flow is the heartbeat of retirement.

🎧 Listen to the full episode and start thinking about your retirement paycheck before your working paycheck disappears https://zurl.co/ZPrYv

We often hear this question:“If I contribute more to a retirement plan, will it reduce the FERS supplement penalty?”Shor...
06/23/2026

We often hear this question:
“If I contribute more to a retirement plan, will it reduce the FERS supplement penalty?”

Short answer: not necessarily.

The rules are based on earned income definitions tied to Social Security, not just tax strategies.
That’s why it’s important to understand:
• What income counts
• What doesn’t
• How timing and work decisions play a role

Get clarity before making your next move 👇
https://zurl.co/IW743

“Investing is too risky right now. I’ll just wait until things feel safer.”It’s a common belief, but waiting for the "pe...
06/18/2026

“Investing is too risky right now. I’ll just wait until things feel safer.”

It’s a common belief, but waiting for the "perfect time" often means missing years of growth opportunities.

In this episode, Micah and Luke reveal:

✔ Why risk never fully disappears ✔ How to measure risk versus reward ✔ Why consistency beats perfect timing ✔ Simple steps to stay invested with confidence

The market will always have uncertainty. Having a plan is what keeps you moving forward.

🎙 Listen in: https://zurl.co/0IN2N


You could be giving the exact same amount to charity……and still paying more in taxes than necessary.Why?Because the way ...
06/16/2026

You could be giving the exact same amount to charity…
…and still paying more in taxes than necessary.

Why?
Because the way you give makes a difference.

In this episode, we walk through:
- The difference between standard vs. itemized deductions
- Why many retirees don’t get the tax benefit they expect
- Strategies that may improve tax efficiency over time

No shortcuts. No one-size-fits-all answers.

Just practical insights to help you plan smarter.
🎙️ Tune in now. https://zurl.co/gZqqA


“If I delay Social Security and pass away before claiming… does my spouse lose my benefit?”It’s a question we hear more ...
06/11/2026

“If I delay Social Security and pass away before claiming… does my spouse lose my benefit?”

It’s a question we hear more often than you might think.

Many federal employees plan to delay Social Security to increase their monthly benefits. But understandably, they also wonder what happens if they don’t live long enough to start receiving it.

This week’s FERS Federal Fact Check covers how Social Security survivor benefits generally function, clarifies the meaning of “the higher of the two benefits,” and distinguishes these from FERS survivor elections.

If you’re within 10 years of retirement and want to find out more about how timing decisions can affect long-term household income and tax planning, this is an important conversation.

Listen to the full episode here: https://zurl.co/bGwud

If you already have FEHB, it’s easy to assume you don’t need anything else.But once you qualify for Medicare, the way yo...
06/09/2026

If you already have FEHB, it’s easy to assume you don’t need anything else.

But once you qualify for Medicare, the way your coverage works can change. If you delay signing up for Part B, you could face a permanent penalty.

In this Federal Fact Check, Micah breaks down:
✔ The 7-month Medicare enrollment window
✔ How FEHB coordinates with Medicare
✔ The 10% per year late enrollment penalty
✔ What IRMAA means for higher-income retirees
✔ Why Part D is different from Part B

If you’re turning 65 soon, this is worth spending 10 minutes on.

🎧 Listen now https://zurl.co/jA6ay

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