Capital Financial Planners

09/02/2026

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09/01/2026

08/31/2026

👥 Does your spouse know the details of your federal retirement benefits?

Federal employees spend years learning about FERS, FEHB, the TSP, and Social Security—but sometimes the person who may eventually need to navigate those benefits isn’t as familiar with how everything works.

Retirement planning can be an opportunity to make sure both spouses understand the decisions being made today and how those choices could affect the surviving spouse later.

This FedSmith article explores some important considerations for federal employees and their spouses.

📖 Read the article: https://www.fedsmith.com/2026/08/20/federal-spouse-retirement-complications/

When one spouse works for the federal government and the other doesn't, survivor benefits and Social Security timing can make or break retirement security.

08/28/2026

💡 Did you know you may be able to access part of your FEGLI life insurance benefit while you’re still living?

FEGLI is designed to provide financial protection for your beneficiaries, but there is a feature many federal employees may not know about: Living Benefits.

Under certain circumstances, eligible federal employees and retirees may be able to receive a portion of their Basic life insurance benefit before death.

In our latest video, we explain how FEGLI Living Benefits work, who may qualify, and what you should know before considering this option.

▶️ Watch here: https://youtu.be/WGM5ky84pOI

Did you know your Federal Employees’ Group Life Insurance (FEGLI) m...

08/26/2026

💍 Retirement planning isn’t just about your benefits—it’s about how those benefits affect your spouse, too.

When one spouse is a federal employee and the other isn’t, decisions surrounding FERS survivor benefits, FEHB coverage, and Social Security can have a lasting impact on both of you.

In his latest FedSmith article, Neil Cain explains why federal couples should approach retirement planning as a team—and some of the important questions to consider before making permanent decisions.

📖 Read the full article: https://www.fedsmith.com/2026/08/20/federal-spouse-retirement-complications/

When one spouse works for the federal government and the other doesn't, survivor benefits and Social Security timing can make or break retirement security.

08/25/2026

08/24/2026

💰 When it comes to Roth conversions, your gut reaction and the numbers may not always agree.
Paying taxes sooner than you have to doesn’t exactly feel like a win. But retirement planning isn’t always about what feels best today—it’s about understanding what could put you in a stronger position down the road.

In our latest video, we break down the psychology behind Roth conversions, why we naturally want to avoid paying taxes now, and why it may be worth looking beyond that initial reaction.

▶️ Watch here: https://youtu.be/HkLsc3fwNiw

Sometimes the best financial decisions aren’t the ones that feel the easiest.

Why does paying taxes today feel so wrong—even when the numbers sug...

08/21/2026

🧠 Your brain might be working against your retirement strategy.

The idea of voluntarily paying taxes today can be hard to stomach—especially when you could put that decision off until later.

But what happens when the math says paying taxes now could actually make sense?

In our latest video, we look at why your brain hates Roth conversions (even when the math says yes) and how emotions like loss aversion can influence long-term financial decisions.

▶️ Watch now to learn why the decision that feels wrong today may deserve a closer look. https://youtu.be/HkLsc3fwNiw

Why does paying taxes today feel so wrong—even when the numbers sug...

08/20/2026

💰 Your TSP balance is only part of the retirement income equation.

For federal employees approaching retirement, years of saving eventually lead to a very different question:

How do you turn those savings into income without creating unnecessary tax surprises or putting too much pressure on your portfolio?

Once TSP withdrawals begin, several decisions can work together:

➡️ How much should you withdraw each year?
➡️ Should you use your TSP before or after claiming Social Security?
➡️ How could Traditional TSP withdrawals affect your taxable income?
➡️ What happens if the market declines early in retirement?
➡️ How do your FERS or CSRS pension, Social Security and TSP work together?

Your TSP gives you several ways to access your money—but choosing when and how to use it is where retirement income planning comes in.

Neil Cain, CFP®, ChFEBC℠ explores these considerations in his latest FEDweek article.

📖 Read the full article:
https://www.fedweek.com/tsp/turning-a-tsp-balance-into-a-paycheck-takes-more-than-a-withdrawal-plan/

The shift from saving to spending is where retirement planning takes action. For federal employees, the Thrift Savings Plan is often the largest single

08/19/2026

📺 Are you subscribed to our YouTube channel?

Retirement planning—especially for federal employees—can come with a lot of questions. Our YouTube channel is designed to help make those topics easier to understand.

We regularly share videos covering:

✔️ TSP strategies
✔️ FERS & federal retirement benefits
✔️ Social Security
✔️ FEHB & Medicare
✔️ Retirement income planning
✔️ Taxes in retirement
✔️ Market updates & commentary

Whether you're approaching retirement or simply want to better understand your benefits, we're here to provide education and insights to help you feel more informed along the way.

▶️ Visit our YouTube channel, subscribe, and turn on notifications so you don't miss our latest videos and live events! https://www.youtube.com/

Home of the RETFED™ Federal Retirement Training Program. Retirement planning can feel overwhelming, especially with generic advice. We provide clear, personalized guidance. With deep knowledge of federal employee benefits, our advisors help you confidently plan for retirement from government servi...