Plan Your Federal Retirement

Plan Your Federal Retirement Helping you understand your federal benefits and plan your Federal Retirement.

Investment advisory services offered through CWM, LLC, an SEC Registered Investment Advisor. Third party posts found on this profile do not reflect the views of CWM, LLC and have not been reviewed by CWM,LLC as to accuracy or completeness. Endorsements, recommendations, or reviews received on this profile may or may not be from a verified client, and as such may or may not reflect real-life experi

ences of individuals who used our services. Individual results vary, and CWM, LLC does not claim, nor should the reader assume, that any individual experience recounted are representative of what anyone using our services may experience. No compensation was provided directly or indirectly to the promoter for the endorsement, recommendation, or review received.

09/01/2026

Freedom in retirement usually comes down to one question: Can your cash flow support your life? What do you think matters more - portfolio size or income flow?

🎧 Full episode here >>> https://zurl.co/ZPrYv

You retired. Your paycheck stopped. Now what? One of the biggest changes when you retire from federal service isn’t just...
08/31/2026

You retired. Your paycheck stopped. Now what?

One of the biggest changes when you retire from federal service isn’t just figuring out how to spend your extra free time.

It’s making sure you can pay your bills while OPM works on processing your retirement.

You might get a payout for your unused annual leave. You could start getting interim retirement payments. You may also have some savings set aside.

But here's the question: Do you actually have a plan for turning those different sources of money into your retirement paycheck?

In this episode of the Plan Your Federal Retirement Podcast, we're talking about the transition between your final federal paycheck and your finalized FERS pension and why cash flow is the heartbeat of retirement.

🎧 Listen to the full episode and start thinking about your retirement paycheck before your working paycheck disappears https://zurl.co/ZPrYv

We often hear this question:“If I contribute more to a retirement plan, will it reduce the FERS supplement penalty?”Shor...
06/23/2026

We often hear this question:
“If I contribute more to a retirement plan, will it reduce the FERS supplement penalty?”

Short answer: not necessarily.

The rules are based on earned income definitions tied to Social Security, not just tax strategies.
That’s why it’s important to understand:
• What income counts
• What doesn’t
• How timing and work decisions play a role

Get clarity before making your next move 👇
https://zurl.co/IW743

“Investing is too risky right now. I’ll just wait until things feel safer.”It’s a common belief, but waiting for the "pe...
06/18/2026

“Investing is too risky right now. I’ll just wait until things feel safer.”

It’s a common belief, but waiting for the "perfect time" often means missing years of growth opportunities.

In this episode, Micah and Luke reveal:

âś” Why risk never fully disappears âś” How to measure risk versus reward âś” Why consistency beats perfect timing âś” Simple steps to stay invested with confidence

The market will always have uncertainty. Having a plan is what keeps you moving forward.

🎙 Listen in: https://zurl.co/0IN2N


You could be giving the exact same amount to charity……and still paying more in taxes than necessary.Why?Because the way ...
06/16/2026

You could be giving the exact same amount to charity…
…and still paying more in taxes than necessary.

Why?
Because the way you give makes a difference.

In this episode, we walk through:
- The difference between standard vs. itemized deductions
- Why many retirees don’t get the tax benefit they expect
- Strategies that may improve tax efficiency over time

No shortcuts. No one-size-fits-all answers.

Just practical insights to help you plan smarter.
🎙️ Tune in now. https://zurl.co/gZqqA


“If I delay Social Security and pass away before claiming… does my spouse lose my benefit?”It’s a question we hear more ...
06/11/2026

“If I delay Social Security and pass away before claiming… does my spouse lose my benefit?”

It’s a question we hear more often than you might think.

Many federal employees plan to delay Social Security to increase their monthly benefits. But understandably, they also wonder what happens if they don’t live long enough to start receiving it.

This week’s FERS Federal Fact Check covers how Social Security survivor benefits generally function, clarifies the meaning of “the higher of the two benefits,” and distinguishes these from FERS survivor elections.

If you’re within 10 years of retirement and want to find out more about how timing decisions can affect long-term household income and tax planning, this is an important conversation.

Listen to the full episode here: https://zurl.co/bGwud

If you already have FEHB, it’s easy to assume you don’t need anything else.But once you qualify for Medicare, the way yo...
06/09/2026

If you already have FEHB, it’s easy to assume you don’t need anything else.

But once you qualify for Medicare, the way your coverage works can change. If you delay signing up for Part B, you could face a permanent penalty.

In this Federal Fact Check, Micah breaks down:
âś” The 7-month Medicare enrollment window
âś” How FEHB coordinates with Medicare
âś” The 10% per year late enrollment penalty
âś” What IRMAA means for higher-income retirees
âś” Why Part D is different from Part B

If you’re turning 65 soon, this is worth spending 10 minutes on.

🎧 Listen now https://zurl.co/jA6ay

Federal retirement planning isn’t just about FERS, TSP, and Social Security.Taxes play a big role, especially once you r...
05/28/2026

Federal retirement planning isn’t just about FERS, TSP, and Social Security.

Taxes play a big role, especially once you retire.

In this episode, Micah and Luke discuss:
âś” Charitable giving strategies to be aware of
âś” Recent and upcoming tax rule changes
âś” Why planning ahead (not just filing taxes) matters

If you’re thinking about retirement in the next few years, this is a conversation worth hearing.

🎧 Listen to the full episode today https://zurl.co/UhrSP


You may think you have 20+ years of federal service…But does your official file agree?Your SF-50s are the official recor...
05/21/2026

You may think you have 20+ years of federal service…
But does your official file agree?

Your SF-50s are the official record of:
âś” Your retirement coverage
âś” Your Service Computation Date
âś” Your creditable service

If documentation is missing, it could affect how your retirement is calculated.
Before retirement is the best time to review your records, not after.

👉 Read the full article where we break it down step-by-step here: https://zurl.co/Hw0B3

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The FERS Special Retirement Supplement can help fill the gap before you turn 62, but there are limits.If you earn above ...
05/19/2026

The FERS Special Retirement Supplement can help fill the gap before you turn 62, but there are limits.

If you earn above the annual threshold:
• Your supplement may be reduced
• In some cases, it could be reduced to $0

And here’s what surprises many retirees:
Not all “income-reducing strategies” apply the way you might expect.

Planning ahead can make a meaningful difference in how much you keep.

Find out what Micah Shilanski, Managing Partner and Wealth Advisor, shares in this episode on how the earnings test works 👇
https://zurl.co/Oeiqj

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