Rayna Retirement

Are you a federal law enforcement officer, firefighter, air traffic controller, or other “special category” employee? If so, your retirement benefits come with very different rules—and better perks. In this episode of Rayna Retirement, we break down the unique FERS retirement system for Leos (law enforcement officers) and other special category feds.

You’ll learn:

• ✅ How your FERS pe...

In this episode, Rayna Reyes tackles the potential increases in FERS pension contributions and what they mean for federal employees planning for retirement. Using her signature “Gatorade” analogy, she simplifies complex retirement concepts and helps you understand how your pension, Social Security, and TSP work together to build your future. If you’ve ever been confused by the numbers on...

In this bonus episode, we dive into the importance of tackling credit card debt before it spirals out of control. You'll hear insights from Robin Growley of Bank of America, who shares practical tips and a message of hope for anyone feeling overwhelmed by debt. Whether you're just starting to manage your finances or already feeling buried, this interview reminds us it’s never too late to...

Rayna Reyes is on the move—and so is her team! In this episode, Rayna walks you through a jam-packed schedule of upcoming Rayna Retirement events happening across the country, from Mississippi to Maine. Whether you're a federal employee in Texas, New York, Missouri, or Maryland, there's likely an in-person event coming to your backyard. These free sessions cover everything from your TSP ...

Retirement doesn’t mean you stop making health plan choices—it means they matter more than ever. In this episode of Rayna Retirement, Rayna reveals how federal retirees can avoid costly health insurance mistakes, reduce premiums, and potentially get money back. Plus: how to decode your OPM codes and maximize Medicare coordination.

Got questions? Call Rayna at (850) 450-6500 or visit Ame...

Headed toward your own Emerald City—retirement? ️ In this episode, Rayna Reyes helps federal employees map out the twists and turns on the journey to retirement. Whether you're eyeing a VERA, DSR, MRA+10, or just trying to figure out where you are on the path, this episode gives you practical tools to move forward with confidence. 

In this episode, you’ll learn:

• The differences bet...

t’s America Saves Week—a perfect time to recommit to those financial resolutions you made in January. In this special podcast extra, Matt McClure speaks with Robin Growley, Head of Consumer Deposits at Bank of America, about smart, simple ways to build your savings. From automating deposits to using the 50/30/20 rule, learn how to set yourself up for financ...

Feeling overwhelmed by Medicare? You’re not alone. In this episode of Rayna Retirement, Rayna Reyes breaks down the A, B, C, and D of Medicare in a way that’s easy to follow (and even a little fun). Whether you’re turning 65 soon, already receiving disability, or just trying to sort through the mountain of mail from Medicare Advantage plans, this episode has what you need to cut through ...

Federal early retirement offers are flying around—so what does it all mean for you? Rayna Reyes unpacks VERA and VSIP in plain English (with a few laughs), dives into what "reduction" really means, and helps you weigh your options: more money later or more life now? If you're 50 with 20 years or 25 years at any age, don’t move a muscle until you hear this.

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In this episode of Rayna Retirement, Rayna Reyes breaks down what the Postal Reform Act means for your Medicare and health benefits—and how it could cost you nearly $1,000 a month if you’re not careful. 

If you're a postal employee or retiree, you'll learn: 

• Why Medicare Part B is now required
• How it works with your Blue Cross or PSHBP coverage
• Ways to save big on premiums—without s...

With the federal workforce experiencing an unprecedented wave of early retirement offers, federal employees must make critical decisions about their future. In this episode, Rayna Reyes explains the key differences between VERA, VSIP, and traditional retirement options. Learn how these programs impact your pension, health benefits, and financial security, and get expert advice on whether...

FEGLI isn’t just life insurance—it’s a powerful financial tool. In this episode, Rayna Reyes walks federal employees through their life insurance options, from basic coverage to retirement planning. Find out why some employees unknowingly lose out on thousands, how to maximize your benefits, and whether you should keep your coverage after age 65. 

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Contact: R...

The Secure Act changed the rules for required minimum distributions and how your TSP is taxed after you pass away. Are your heirs prepared for the potential financial burden? In this episode, Rayna Reyes explains what federal employees and retirees need to know about TSP withdrawals, the 10-year rule for inherited IRAs, and how to structure your retirement savings to minimize taxes.

Paying taxes is inevitable, but overpaying is optional. In this episode, Rayna Reyes explains how Roth accounts let you pay taxes on your terms—potentially saving you thousands in retirement. Learn why Roth IRAs and Roth 401(k)s are powerful tools for tax-free growth and whether a Roth conversion makes sense for your situation.

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Contact: Rayna and the team at...

If you're a United States Postal Service worker considering early retirement, this episode is for you! Host Rayna Reyes breaks down the latest USPS early retirement options, including eligibility, benefits, and key considerations before making your decision. Don't miss this essential guide to securing your financial future beyond the mail route.

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Contact: Ray...