Independence Benefits

03/20/2026

Honored to attend the grand opening of the new submarine manufacturing facility here in the Shoals 🇺🇸

While Independence Benefits serves federal employees across the country, it’s especially meaningful to see investments of this scale happening right here at home.

Projects like this strengthen our national defense while creating long-term opportunity for the federal workforce and families across North Alabama.

Proud to be building Independence Benefits in a region that continues to grow in both impact and opportunity.

02/26/2026

🇺🇸 TSP Withdrawal Rules (2026) — New Video Is Live

You voted. TSP withdrawals won.

We just released a full breakdown covering:

• When you can access your TSP
• The Rule of 55
• How withdrawals are taxed
• Lump sum vs. partial withdrawal strategies
• Rollover considerations
• Common (and costly) mistakes federal employees make

Your TSP does not automatically become a retirement income plan.
How you structure withdrawals directly impacts taxes, income stability, and long-term security.

Watch here:
👉 https://www.youtube.com/watch?v=h-v6Fd9Tb4M

If you watch it, drop your questions in the comments. This helps us build future videos around issues you find important!

TSP withdrawals are one of the most misunderstood and most expensive decisions federal employees make near retirement.If you’re wondering:• When can I withdr...

02/09/2026

It’s National Pizza Day and we hope you are celebrating🍕
Here’s your reminder that retirement income works best when it’s “built in layers.”
Pension + Social Security + TSP = kind of like crust, sauce, and toppings.
You don’t want to rely on just one ingredient.
The goal is balance — steady income + flexibility + confidence.
If you’re not sure how your layers fit together, it might be time for a quick check-in.

02/04/2026

TSP withdrawals sound simple until you start looking at the details.
Taxes, penalties, timing, monthly income needs, RMDs later on… it adds up fast.
One of the biggest mistakes I see is people pulling money without a clear plan, then getting surprised at tax time.
The goal isn’t to be “perfect” — it’s to make choices you understand and feel good about.
Book an Appointment: https://retire.independencebenefits.com/consultation

02/02/2026

Having a retirement goal is great… but the real question is:
What needs to be true financially for that goal to work?
Some people pick age 60. Some pick 62. Some are aiming for 57 with a plan.
There’s no “right” number — there’s only what works for your income needs and benefits timeline.
Retirement is really just a math + timing problem.
And once you see the numbers clearly, the decision gets way easier.
The goal isn’t perfection — it’s having a plan you can trust.

Book an Appointment: https://retire.independencebenefits.com/consultation

01/29/2026

One of the hardest parts about retirement is this question: “Am I actually ready?”
Because it’s not just about hitting an age… it’s about income, healthcare, taxes, and timing.
I’ve seen people retire early and feel amazing — and others retire early and feel stressed because the plan wasn’t built yet.
Sometimes one more year of work changes everything.
Sometimes it doesn’t change much at all.
That’s why it helps to run the numbers instead of guessing.
Book Your Appointment Here : https://retire.independencebenefits.com/consultation

01/27/2026

This week I talked with a few federal employees who felt like they should understand their benefits… but honestly, it’s a lot.
Between FERS, TSP, FEHB, and survivor benefits, it’s easy to miss something important until you’re right at the finish line.
One client told me, “I feel like I’m guessing.” And I hear that more than you’d think.
The truth is — most people don’t need more information, they need the right plan for their situation.
Sometimes it’s not about making huge changes… it’s just making sure everything is lined up correctly.
If you’ve been unsure about your benefits, you’re not behind — you’re just human.

01/19/2026

01/07/2026

We’re kicking off 2026 with a brand-new educational webinar all about TSP Roth Conversions — one of the most misunderstood (and often misused) retirement strategies for federal employees.

👉 TSP Roth Conversion: Rules, Taxes & Strategic Considerations
📅 January 14, 2026
⏰ 12:00 PM EST & 5:30 PM EST
💻 Live 45-minute webinar + Q&A

We’ll break down:
✅ When a Roth conversion may make sense — and when it doesn’t
✅ The IRS + TSP rules you need to know
✅ Tax implications most people overlook
✅ Common mistakes we see federal employees make

Link to Register in comments!

12/19/2025

One of the biggest retirement questions wehear is:

“Should I take Social Security early or wait?”

The answer really depends on your situation — not just your age. This article breaks down the key things to think about before deciding.

Check it out 👇

A Practical Way to Think It Through

12/17/2025

Retired… but still waiting? You’re not alone.
There’s a real retirement “traffic jam” right now, and many people are stuck in the same slow lane. If you’re waiting on income or answers, hang in there—and know there’s support available while you wait.

I talk to a lot of people who’ve already retired—or thought they had—and are still waiting on their money. No clear answers, no timeline, just a lot of

12/15/2025

For anyone considering retirement in 2026 — I wanted to share this.

Your retirement date can impact when your pension starts and how leave is paid out, and it’s not always obvious just by looking at a calendar.

I put together a short free guide on 2026 retirement dates that a lot of folks have found helpful.

https://retire.independencebenefits.com/retirementguide