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Your FERS Retirement, Explained: Pension, TSP, Taxes & the Decisions You Can't Undo
Description
FERS retirement in one place: your pension, TSP, and Social Security — and the decisions that become permanent the moment you make them. Charles and Marcus explain how the three legs of federal retirement connect, what a $3,000 pension actually nets after taxes, FEHB, and the survivor benefit, and the choices you truly can't undo.
Chapters:
0:00 The Three Legs of FERS Retirement
0:24 Welcome to the Podcast
0:57 Leg 1: Your FERS Pension
1:56 Leg 2: Social Security Timing
2:36 Leg 3: TSP — How It All Connects
3:34 What You Actually Get: Pension Deductions Walkthrough
6:14 TSP: How to Withdraw Without Mistakes
9:36 IRMAA: The Two-Year Lookback Trap
11:14 The Decisions You Can't Undo
12:00 Survivor Benefit: The 60–90 Day Window
12:52 FEGLI: Keep Basic, Do the 75% Reduction
15:34 FEHB: Suspend, Never Cancel
16:30 Taxes: Why You Can't Do This Alone
17:48 Watch Next: FERS Annuitant vs. Annuity
CTA: Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/
Disclaimer: Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company. Educational only; not financial, legal, tax, or investment advice. Figures discussed are illustrative — verify with OPM.