Podcast Episodes
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The Roth Conversion Mistake That Costs Federal Employees a 10% Penalty
Season 3 Episode 113
Roth conversions can be powerful — but do one before 59½, or inside your TSP, without a plan, and it can sting. Charles and Marcus explain why these …
1 month ago
The Stock Risk That Quietly Wrecks Retirement Portfolios
Season 4 Episode 25
In this short video, Charles explains single stock risk, why "they're in different sectors" isn't the protection people think it is, and the concentr…
1 month ago
FERS Annuitant vs. Annuity: The Difference Federal Employees Get Wrong
"I already have an annuity" — Charles hears it weekly, and it's often a misconception. Being a FERS annuitant (a pension you earned) and owning an an…
1 month, 1 week ago
The TSP Roth Conversion Catch Nobody Warns You About
Season 4 Episode 24
Roth conversions before 59½ and Roth conversions inside your TSP get mentioned in the same breath for one reason: they share the same drawback. Withh…
1 month, 1 week ago
Federal Retirement Acronyms Explained: FERS, CSRS, TSP, FEHB, SRS & More
Season 3 Episode 111
Spend enough time around federal retirement and the acronyms start flying — and it starts to feel too late to ask what they mean. Charles and Marcus …
1 month, 2 weeks ago
FERS Annuitant vs. Annuity: Federal Employees Get These Two Confused
Season 4 Episode 23
"I've got an annuity… or do I have an annuity? Wait, I'm a federal annuitant — what does that even mean?" Did you think being a FERS annuitant and ha…
1 month, 2 weeks ago
Federal Retirement Acronyms Explained: FERS, FEHB, FEGLI, CSRS, High-3 & More
Season 4 Episode 22
Which acronym tripped you up the longest — FERS, FEGLI, SRS, or MRA? Drop it below 👇
START HERE
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Apply for a Retirement Consultation:
http…
1 month, 3 weeks ago
The Financial Vocabulary That Intimidates Retirees — Decoded (Roth, RMDs, Capital Gains)
Season 3 Episode 110
Which term always messes with you — effective tax rate, backdoor Roth, cost basis, or RMDs? Write it below 👇
START HERE
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Apply for a Reti…
1 month, 3 weeks ago
$1M Saved But No Written Income Plan? Here's Your Problem
Season 3 Episode 109
Most federal employees have a number in their head — "I'll retire at 62" — but a number is not a plan. Charles and Marcus break down what an actual w…
2 months ago
Federal Retirement Mid-Year Check-In: Are You Still on Track to Retire within 5 Years?
Season 4 Episode 21
1. High-3 & step increases — a step increase only lifts your High-3 for the time you're actually in it (stay ~3 years for full credit)
2. TSP allocati…
2 months ago