Retire On Time With Confidence - Fed Legacy

About Retire On Time With Confidence - Fed Legacy

Clear, education-first conversations for federal employees who want to understand their benefits, avoid costly assumptions, and make confident retirement decisions using the Financial House framework.

Publisher

FedLegacy

Category

business · government

Language

en

Explicit

No

First episode

7 Mar 2025

Latest episode

1 Oct 2026

Latest episodes

35 episodes in the feed.

1. 

   1 Oct 2026

   Fill Out This One Page Before You Retire From Federal Service

   Before you submit your federal retirement paperwork, you can check whether your retirement income will cover your bills using one sheet of paper and five figures from your own statements. FedLegacy founder William Smith walks through the exact one-pager his team fills out with federal employees, using real figures from a client who had $1.27 million in traditional TSP and no plan for the tax bill. The five figures on the worksheet: Your TSP balance and how much is traditional vs. Roth (only shown on page one of your TSP statement) Your FERS pension estimate: high-3 × years of service × 1%, or 1.1% if you retire at 62 or older with 20+ years Your Social Security estimate from SSA.gov What FEGLI will cost you in retirement, and whether to keep it Your monthly expenses Add your pension and Social Security, set aside about 20% for taxes, and subtract your expenses. The result shows whether you have a surplus or a monthly gap you'll need to cover from your TSP. William also shares how a 70-year-old federal employee with 45 years of service avoided a $410 monthly FEGLI premium by choosing the 75% reduction option, and why how much you pull from your TSP affects your taxes and Medicare premiums. Chapters 00:00 Welcome and Introduction to Retirement Planning 02:54 Key Numbers for Retirement Success 05:49 Understanding TSP and Pension Calculations 09:10 Health Insurance and Fegley Considerations 11:52 Income Planning and Budgeting for Retirement 14:45 Navigating Retirement Income Strategies 18:06 Engagement and Understanding Your Financial Position 20:54 Action Steps for Retirement Preparation 24:01 Q&A on Retirement Strategies and Roth Conversions 26:56 Final Thoughts and Next Steps for Retirement Planning FedLegacy helps federal employees retire on time and with confidence.

2. 

   25 Sept 2026

   90 Days Before You Retire, Here's What To Do (For Federal Employees)

   If you're retiring from the federal government in the next 90 days, this session is built specifically for you. William Smith walks through the exact three-window countdown he uses with clients: the setup window (90 to 61 days), the sequencing window (60 to 31 days), and the lockdown window (30 to 0 days), and what has to happen in each one so nothing slips through before your last day. Inside this session: Why pulling every document early, your SF-50, FEGLI, TSP, and Social Security statements, gives you enough time to catch mistakes agencies actually make, like a wrong service computation date. The real deadline for submitting your retirement application (and why mid-November beats waiting until December). Whether you have to leave your money in TSP when you retire, and whether it keeps growing once you do. How the survivor benefit decision actually works, and when a life insurance policy makes more sense instead. What happens to your FEGLI coverage the year after you retire, and how the coverage actually drops over time instead of all at once. How a TSP loan gets handled if you retire before paying it off. Why building your emergency fund before your last paycheck matters more than most people realize, since your first full payment can take months. This is a live Q&A session, so most of what's covered comes directly from real questions asked by federal employees who are retiring by the end of this year. Watch every Wednesday through the end of the year as FedLegacy continues this series for federal employees approaching retirement. Educational content only. Not individualized tax, legal, investment, or insurance advice. FedLegacy is not affiliated with, endorsed by, or an agency of the U.S. government, OPM, or any federal employer.

3. 

   18 Sept 2026

   Debt, Cash Flow, and Retirement Timing: What To Clean Up Before You File

   Your federal pension and TSP might look solid on paper, but debt and cash flow can quietly push your retirement date back further than you think. In this session, William Smith walks through a real retirement analyzer case study showing exactly how credit card debt, car notes, and everyday expenses change how long your retirement money actually lasts. You'll see: How debt drag affects your FERS pension, Social Security, and TSP income plan Why the gap between your first estimated retirement check and your full payment matters How to build an emergency reserve before you file What paying off a car note or credit card early can add to your retirement timeline When to take TSP withdrawals to avoid unnecessary taxes and penalties Real Q&A on Social Security timing, Roth conversions, and RMD age rules If you're a federal employee within a few years of retirement, this is the debt and cash-flow cleanup checklist to go through before you submit your paperwork. Want your own numbers run through this same analyzer? Type "PLAN" in the chat during our live sessions, or book a Discovery Call here: https://fedlegacy.zohobookings.com/#/discovery (https://fedlegacy.zohobookings.com/#/discovery) #FederalRetirement #FERS #TSP #FEGLI #RetirementPlanning

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Apple Podcasts (US)

5.0 / 5

2 ratings

Podcast Authority Score: 23 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

46

Social presence

0

YouTube

0

Engagement

0

Contact Retire On Time With Confidence - Fed Legacy

Guest appearances

Books guests

Based on episode analysis; this does not confirm that the show is currently accepting guests.

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