Haws Federal Advisors Podcast

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense

The COLA is only one of nine numbers changing for federal retirees in 2027. Here are all nine in one place, so you can get your 2027 numbers right before January.

Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsF...

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense

How do you turn your TSP into a monthly paycheck? TSP installments let you set your own retirement paycheck and change it any time. But two defaults catch a lot of people: every withdrawal sells every fund, and shorter schedules get 20% withheld fo...

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense

The 2027 COLA is in. FERS retirees got 2.6%, but the average FEHB premium is going up 10.9%. Here's how much of that raise you actually keep, and why some retirees will see a smaller check in January.

Quick facts: The 2027 COLA is 3.6% for CSRS and...

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense

There are only about 11 weeks left in 2026, and most of the best tax moves for federal employees and retirees can't be done after December 31. In this video I walk through 8 year-end moves, from maxing out your TSP and in-plan Roth conversions to R...

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense

If you're 50 or older and made over $150,000 last year, your TSP catch-up contributions in 2026 have to go Roth, whether you chose it or not. In this video I cover who it hits, what it means for your paycheck, whether the switch is automatic, and t...

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense

FEHB premiums are going up about 10.9% on average for 2027, the third double-digit increase in a row. Open Season is your one chance each year to fix that. In this video I walk through my 6-step playbook for picking the right plan: check whether yo...

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense

Social Security released its 2027 numbers on October 14. Everyone is talking about the 3.6% COLA, but if you plan to retire before 62 and keep working, the number that matters more is $25,560. That's the 2027 earnings limit, and your FERS Supplemen...

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense

If you got a RIF notice tomorrow and you weren't eligible to retire yet, what would happen to your pension, your health insurance, and your TSP? Here's the whole map, plus the one mistake that can cost you for life.

Quick facts: First, check whethe...

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense

It's official: Social Security and CSRS retirees get a 3.6% COLA for 2027. FERS retirees get 2.6%. Here's who gets what, why FERS gets less, and when it shows up in your check.

Educational only, not tax, investment, or legal advice. Haws Federal Ad...

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense

The month you turn 62, your FERS Supplement stops. Do you replace it with Social Security right away, or wait for a bigger check? Here's the trade-off, who should claim early, who should wait, and two traps to watch for.

Quick facts: The supplement...

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense

Is your FEHB plan leaving in 2027? Nine plan options won't be offered next year. If yours is one of them and you don't pick a new plan by December 14, OPM picks for you: Compass Rose Standard, whether it fits you or not.

Quick facts: Open Seaso...

Offered an early out or a buyout? Before you sign, know what VERA and VSIP actually cost you: a smaller pension for life, no FERS Supplement until your MRA, no COLA until 62, and a VSIP check that shrinks a lot after taxes.

Quick facts: VERA = age 50 with 20 years or any age with 25. VSIP = the lesser of your severance formula or $25,000 (DoD included). Come back to federal work within 5 years and you repay it. To keep FEHB you gen...

The 2027 COLA gets announced this Wednesday, Oct 14. Here's how it's calculated, what we expect, who gets it (and who has to wait until 62), and why the FERS "diet COLA" lags inflation. Clarification: FERS retirees get the diet COLA (inflation under 2% = full match; 2-3% = flat 2%; over 3% = inflation minus 1). CSRS retirees get the full COLA, the same as Social Security. Estimates have been running about 3.3% to 3.5%; nothing is o...

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense?utm_source=youtube&utm_medium=description

We help federal employees and retirees get the most out of their benefits, keep more of their money, and build a plan to reduce taxes in retirement. The Fit Call is a short phone call to see if we can he...

OPM now caps the top two performance ratings (Levels 4 and 5) at 40% of employees per agency. Here's what that means for your rating, your award, and your RIF standing.

Correction: around 1:29 I say a Level 3 rating gets at least about 3%. Under OPM's memo, 3% is the MAXIMUM award for Level 3, and it can be $0. Level 4 awards start at 4% and Level 5 at 7%.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial...

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book

Want to schedule a consultation? Click here:

https://app.hawsfederaladvisors.com/whatservicemakessense

I am a practicing fin...

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book

Want to schedule a consultation? Click here:

https://app.hawsfederaladvisors.com/whatservicemakessense

I am a practicing fin...