05/22/2026
Earlier this year, I shared a post about Sequence of Returns Risk that reached over 57,000 people between FB and LinkedIn. It’s a critical topic for Feds because "average returns" don't pay the bills in retirement - actual cash flow does.
In the comments, a fellow professional pointed out that my "income-for-life" solution was a coded way of saying I sell annuities.
He’s 100% right.
And he made me realize that by trying to keep my federal benefits advice posts separate from my professional services, I might have been creating a lack of clarity. So, I want to be absolutely transparent:
I whole-heartedly believe in annuities. My wife, Robin, and I use them ourselves, both to ensure our monthly "nut" is covered for life and also to grow a portion of our retirement savings without market risk.
I use these tools for the same reason I recommend them to appropriate clients: because they solve the math problems that stock market investing cannot.
Also, while I offer financial services, I don't comport myself as a saleswoman. My company doesn't have quotas. We provide financial services because they allow us to continue giving daily, hands-on help to thousands in the federal workforce free-of-charge.
Moving forward, you’ll see a small note at the bottom of my financial posts acknowledging I offer these tools. My goal is to keep being your #1 source for federal updates - and also a clear, honest resource for if you're ever considering what your TSP options are.
P.S. I've included the link to the original post in the comments.
*This is a repost. Originally posted in April 2026.
