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.

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:
✔ Charitable giving strategies to be aware of
✔ Recent and upcoming tax rule changes
✔ 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:
✔ Your retirement coverage
✔ Your Service Computation Date
✔ 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

When you're working: 📈 You’re buying every paycheck.When you're retired: 📉 You’re withdrawing.That shift changes everyth...
05/14/2026

When you're working: 📈 You’re buying every paycheck.
When you're retired: 📉 You’re withdrawing.
That shift changes everything.

In this episode, Micah and Luke discuss how to:
• Structure a 5-year safety bucket
• Avoid panic selling
• Use downturns strategically
• Build written investment rules

Don’t guess. Plan.

🎙 Listen here:https://zurl.co/7xvcS

Some people think, “I’m going to die anyway, so I might as well take Social Security early.”Others believe, “I’ll wait u...
05/12/2026

Some people think, “I’m going to die anyway, so I might as well take Social Security early.”

Others believe, “I’ll wait until 70 no matter what.”

But the right answer is rarely that simple.

In this episode, Micah discusses how Social Security survivor benefits work if you pass away before claiming, and why delaying benefits may increase income protection for your spouse.
He also explains how these decisions interact with taxes and your overall retirement income strategy.

If you haven’t looked at your Social Security plan as part of your whole retirement strategy, this episode could give you some important things to think about.

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

Turning 65 soon?Before you toss those Medicare mailers, take a moment to watch this.Tune in to this episode, where Micah...
05/11/2026

Turning 65 soon?

Before you toss those Medicare mailers, take a moment to watch this.

Tune in to this episode, where Micah covers:
• When you should consider to enroll
• What “quasi-optional” actually means for Part B
• How IRMAA can change your premiums
• Why FEHB drug coverage might mean you don’t need Part D
• The long-term effects of waiting to enroll in Part B

Medicare decisions aren’t just about your health today; they’re also about planning for the long term.

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


COLA is outside your control.Your plan isn’t.In our newest podcast, we cover what federal employees can do to help offse...
05/07/2026

COLA is outside your control.

Your plan isn’t.

In our newest podcast, we cover what federal employees can do to help offset inflation, including TSP choices, tax planning, and Social Security timing.

📢 If you’re within 5–10 years of retirement, this episode is a no-skip.

🎧 Listen here: https://zurl.co/KUaMX

🚨 Federal Fact Check: Earnings Limits & the FERS SupplementDid you know:✔️ The earnings limit still applies while you re...
05/05/2026

🚨 Federal Fact Check: Earnings Limits & the FERS Supplement

Did you know:
✔️ The earnings limit still applies while you receive the FERS Supplement
✔️ OPM may not notify you until years later
✔️ The supplement stops automatically at 62, no matter what your plans are.

If you’re working in retirement, you’ll want to watch this episode.https://zurl.co/s5mBs

If you’re retiring at 57, 60, or 62… imagine rewinding your life 30 years.Could you have predicted: where you’d live, ho...
04/28/2026

If you’re retiring at 57, 60, or 62… imagine rewinding your life 30 years.
Could you have predicted: where you’d live, how much you’d spend, the family emergencies, the medical needs or major financial decisions. Of course not, life changes.

That’s why retirement plans that are rigid, locked up, or inflexible can raise red flags.

Hear what Micah and Floyd say about:
✔️ Why most “final retirement homes” aren’t final
✔️ How unexpected family and medical expenses show up later
✔️ Why flexibility is more important than perfection

Retirement isn’t a one-time decision.
It’s a long-term journey that deserves an adaptable plan.

🎧 Listen now and rethink how your retirement plan is built. https://zurl.co/QAyd7

Are you sure your federal service record is complete?Your retirement eligibility and FERS annuity are based on the docum...
04/23/2026

Are you sure your federal service record is complete?

Your retirement eligibility and FERS annuity are based on the documented, creditable service in your Official Personnel Folder (OPF). If some service periods aren’t recorded correctly, they might not be counted in your retirement calculation.

In this article, we explain:
• Why every SF-50 matters
• What your Service Computation Date (SCD) really means
• How FERS and FERS-FRAE classifications impact you
• Steps you can take if you find discrepancies

Read the full article here: https://zurl.co/QlqwG

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