Malissa McNanna, Independent Financial Coach

Malissa McNanna, Independent Financial Coach I am a ChFEBC℠ advisor. As an independent financial coach ,I represent multiple companies with a broad range of products.

It is my passion to help people retire well.

🌟 Retirement Shouldn't Depend on Market HeadlinesWhen you're working toward retirement—or already enjoying it—the last t...
06/15/2026

🌟 Retirement Shouldn't Depend on Market Headlines
When you're working toward retirement—or already enjoying it—the last thing you want is to lose sleep over every market swing.
A strong retirement strategy isn't just about growth. It's about creating stability, confidence, and financial security no matter what the markets are doing.
✔️ Protect a portion of your nest egg
✔️ Create a more predictable retirement future
✔️ Reduce the impact of market volatility
✔️ Gain confidence in your long-term plan
The goal isn't to avoid growth opportunities—it's to make sure your retirement lifestyle isn't dependent on the market having a good year.
Your future deserves a strategy built for both opportunity and protection.
📞 Contact us to learn how market-risk protection strategies may fit into your retirement plan.

🕒 Don't Overlook Your Unused Sick Leave!Did you know that unused sick leave can increase your retirement benefit?For FER...
06/12/2026

🕒 Don't Overlook Your Unused Sick Leave!
Did you know that unused sick leave can increase your retirement benefit?

For FERS employees, unused sick leave is converted into additional creditable service time when your pension is calculated. While it can't help you meet retirement eligibility requirements, it can increase the amount of your monthly annuity.

✅ Every hour counts
✅ Can add months to your years of service for pension calculations
✅ May increase your lifetime retirement income
✅ Rewards years of dedicated federal service

Many federal employees are surprised to learn how valuable their accumulated sick leave can be at retirement. Before making retirement decisions, it's important to understand how your sick leave balance may impact your future benefits.

📞 Want to know how your sick leave could affect your retirement income? Let's review your retirement numbers together.

🛡️ Protect What You've Worked So Hard to BuildMarket ups and downs can be stressful, especially when you're nearing reti...
06/10/2026

🛡️ Protect What You've Worked So Hard to Build
Market ups and downs can be stressful, especially when you're nearing retirement or already retired. After years of saving and planning, protecting your principal becomes just as important as growing your money.

Principal protection strategies can help:

✅ Safeguard your retirement savings from market losses
✅ Provide greater peace of mind during volatile markets
✅ Create a more predictable retirement income plan
✅ Help preserve the wealth you've worked a lifetime to build

Retirement isn't just about accumulating assets—it's about protecting them. A well-designed retirement strategy can help you enjoy your future with confidence, knowing your hard-earned money is working for you while remaining protected.

📞 Want to learn more about strategies designed to help protect your principal? Let's talk. Give me a call at (501)-655-6279

📬 Waiting on Your Retirement? You're Not Alone.The OPM retirement backlog continues to affect many federal employees tra...
06/08/2026

📬 Waiting on Your Retirement? You're Not Alone.
The OPM retirement backlog continues to affect many federal employees transitioning into retirement. While most retirees begin receiving interim payments, it can take several months for OPM to fully process retirement applications and finalize benefits.

What does this mean for you?

✅ Your retirement date matters
✅ Complete and accurate paperwork can help avoid delays
✅ Having a financial plan in place can help bridge the gap while waiting for final retirement processing

Retirement is a major milestone, and preparation is key. Understanding the process ahead of time can help reduce stress and provide greater confidence as you move into the next chapter.

Have questions about your federal retirement benefits or retirement income strategy? Reach out today—I'm here to help guide you through the process. So send me a message or give me a call at (501)-655-6279

What Is Your “High-3”?Your FERS pension is based on more than just years of service — it’s also based on your High-3 Ave...
06/05/2026

What Is Your “High-3”?
Your FERS pension is based on more than just years of service — it’s also based on your High-3 Average Salary.

Your “High-3” is:
✅ The highest average basic pay you earned over any consecutive 3-year period during your federal career.

This usually includes:
• Base pay
• Locality pay
• Shift differentials (in some cases)
It generally does not include:
❌ Overtime
❌ Bonuses
❌ Awards

Why does it matter?
Because your High-3 is one of the biggest factors used to calculate your lifetime pension.

A better understanding today can help you make smarter retirement decisions tomorrow.

Who Qualifies for the Special Retirement Supplement (SRS)?The FERS Special Retirement Supplement is designed to provide ...
06/03/2026

Who Qualifies for the Special Retirement Supplement (SRS)?
The FERS Special Retirement Supplement is designed to provide extra income before age 62 — but not everyone qualifies.
You may qualify if you:
✅ Retire on an immediate FERS retirement
✅ Meet your age and service requirements
✅ Retire before age 62
Common examples:
• Minimum Retirement Age (MRA) with 30 years
• Age 60 with 20 years
• Certain early or special provisions retirements
You generally do not qualify if you:
❌ Leave federal service and postpone retirement
❌ Retire under MRA+10 rules
❌ Reach age 62
SRS can be a valuable bridge to Social Security — which is why understanding your eligibility matters before you retire.

Do you think you qualify? Do you have more questions?
Give me a call at (501)-655-6279 and I can answer all your questions!

One day, your paycheck will stop.The question is… will your peace of mind stop with it?Retirement planning isn’t just ab...
06/01/2026

One day, your paycheck will stop.
The question is… will your peace of mind stop with it?

Retirement planning isn’t just about numbers.
It’s about:

❤️ Having time with family
❤️ Not stressing over bills
❤️ Enjoying the life you worked so hard to build
❤️ Knowing your spouse is protected
❤️ Having freedom instead of fear
The best time to start planning was years ago.
The second-best time is today.
Your future self is counting on the decisions you make now.

SRS vs. the 10% FERS Bump — What’s Better?FERS employees may have two valuable retirement options:✅ Special Retirement S...
05/29/2026

SRS vs. the 10% FERS Bump — What’s Better?
FERS employees may have two valuable retirement options:
✅ Special Retirement Supplement (SRS) — Extra income before age 62 if eligible for early retirement.
✅ 10% Pension Bump — Retire at 62+ with 20 years and your pension calculation increases from 1% to 1.1%.
The question is:
👉 Retire earlier with SRS, or work longer for a larger lifetime pension?
The best choice depends on your personal retirement goals

Let me help you make the right decision for you. Give me a call at (501)-655-6279 or feel free to send me a message on messenger!

The future isn’t just about money—it’s about moments, memories, and the people you love most. Plan for all of it.
05/27/2026

The future isn’t just about money—it’s about moments, memories, and the people you love most. Plan for all of it.

Happy Memorial Day and thank you for your service
05/25/2026

Happy Memorial Day and thank you for your service

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