Fedimpact: Candid Insights For Your Federal Retirement

Informações:

Sinopse

Chris Kowalik is a federal retirement expert and frequent speaker to federal employee groups nationwide. In her highly-acclaimed Federal Retirement Impact Workshops, she empowers federal employees to make confident decisions as they plan for the days when they no longer have to work. Chris' candid and straightforward nature allows employees to get the answers they need, and to understand the impact these decisions have on their retirement.

Episódios

  • Why Your Agency's Retirement Estimate Isn't Enough

    15/11/2022 Duração: 34min

    Federal retirement expert, Chris Kowalik, talks about three areas where federal employees need to pay special attention to when they’re requesting and reviewing the retirement estimate from their agency: ACCURATE: are the numbers right? COMPLETE: are all the numbers and options there (even just for your federal benefits)? ENOUGH: is the information presented enough to make a full decision?

  • Your Mindset on TSP in a Down Market

    25/10/2022 Duração: 35min

    Federal retirement expert, Chris Kowalik, discusses how your mindset may shift on you when the TSP takes a tumble. Key takeaways: Different stages of your investment journey (and how it changes your perspective on loss) Assessing your risk tolerance as it relates to your TSP How long it takes to recoup your money after a down market Highlights the #1 problem with TSP once you are retired What to do now if your account has already taken a loss

  • Playing Offense & Defense in Retirement

    20/09/2022 Duração: 24min

    Federal retirement expert, Chris Kowalik, discusses how playing both offense and defense can help federal employees to retire ready. OFFENSE: Increasing the money you have to live the retirement you want DEFENSE: Protecting that money from others who want to take it from you BIG QUESTION: Are you playing to win, or are you playing to not lose?

  • Your Retirement Scorecard

    29/08/2022 Duração: 39min

    Federal retirement expert, Chris Kowalik, reveals 20 critical financial topics to get squared away before retiring from federal service. CURRENT SITUATION: an honest assessment of where you are today  PENDING DECISIONS: looking ahead to key decisions when you officially retire RED FLAGS: indicators of imminent threats to your retirement plans TIMELINE: a step-by-step countdown of action items to be ultra prepared BONUS: Instant access to ProFeds' Retirement Readiness Quiz

  • TSP's Comedy of Errors in 4, 3, 2, 1...

    02/08/2022 Duração: 35min

    Federal retirement expert, Chris Kowalik, discusses the legitimate frustrations that federal employees have felt about the TSP's recent transition to its new platform – and how feds can protect themselves despite TSP's errors.

  • The 3 Key Professionals to Have in Your Corner

    08/07/2022 Duração: 28min

    Federal retirement expert, Chris Kowalik, reveals the 3 key professionals federal employees should have in their corner as they prepare to retire – and how to get started.

  • Why Federal Employees Should Avoid "Rules of Thumb"

    24/06/2022 Duração: 40min

    Federal retirement expert, Chris Kowalik, reveals common "rules of thumb" and why federal employees are persuaded to follow them – and what to do instead.

  • 5 Places Where Feds Should Not Go to For Advice

    07/06/2022 Duração: 16min

    Federal retirement expert, Chris Kowalik, offers insights into where federal employees  should not be seeking advice from – and where to go instead.

  • How the FERS Supplement is Affected if You Work After Retiring

    24/05/2022 Duração: 27min

    Federal retirement expert, Chris Kowalik, gives the simple formula to know if federal retirees might work themselves right out of the Special Retirement Supplement if they have a job after leaving federal service.

  • Why High COLAs are Not a Good Thing

    10/05/2022 Duração: 22min

    Federal retirement expert, Chris Kowalik, reveals why high COLAs actually mean less money in the pockets of federal retirees.

  • FEGLI Option C (When You Have No Eligible Family Members)

    26/04/2022 Duração: 20min

    Federal retirement expert, Chris Kowalik, reviews FEGLI Option C coverage and what happens when you no longer have eligible family members who are covered.

  • Rules for Keeping FEHB in Retirement

    12/04/2022 Duração: 16min

    Federal retirement expert, Chris Kowalik, covers the 3 rules that federal employees must follow to be allowed to keep their health benefits (FEHB) in retirement.  

  • The TSP Early Withdrawal Penalty

    29/03/2022 Duração: 25min

    Federal retirement expert, Chris Kowalik, reveals the rules of the early withdrawal penalty (and how to avoid it) when taking money out of the TSP prior to age 59 1/2.

  • 126: The Goals, the Gap and the Gains

    11/02/2022 Duração: 22min

    Federal retirement expert, Chris Kowalik, discusses why goal setting can leave federal employees feeling frustrated and overwhelmed.  She gives real world examples of how to break down goals into manageable steps.

  • New TSP Withdrawal and Loan Options from CARES Act

    20/05/2020 Duração: 21min

    Federal retirement expert, Chris Kowalik, discusses the new guidance just released by the Thrift Savings Plan (TSP) with respect to the withdrawals and the loan options for participants affected by COVID-19.  Is taking money out of your TSP account under these rules advantageous for you?  Or, are there some hang-ups that you haven't considered?

  • Volatile Market: The TSP and the Coronavirus

    10/03/2020 Duração: 25min

    Federal retirement expert Chris Kowalik discusses the financial impact of the coronavirus is having on federal employees who are investors in the Thrift Savings Plan. Specifically, she addresses: Is there a reason to panic?  Should you rebalance your TSP because of this market downturn? Are there any weaknesses exposed in TSP when we have a volatile market?

  • Understanding the Financial Impact of Proposed Benefits Changes for Federal Employees and Retirees

    22/05/2018 Duração: 01h06min

    Federal benefits expert Chris Kowalik discusses the financial impact recent proposed changes to federal pay, benefits and retirement will have on both federal employees and retirees.   Chris provides insight on the likelihood of whether each of the proposed changes may (or may not) happen -- plus some practical examples of how costly they could be if implemented.

  • Pros and Cons of TSP Lifecycle (L) Funds

    26/02/2018 Duração: 17min

    Federal retirement expert, Chris Kowalik, shares the advantages and disadvantages of the Lifecycle Funds (L Funds) within the Thrift Savings Plan .   Key take-ways: What are the Lifecycle Funds -- and how are they different than the other funds in the Thrift Savings Plan? Some important challenges of the L Funds How the mixture of investments in the L Funds changes over time What rate of return investors in the L Funds can expect How L Funds work in the Traditional TSP and Roth TSP Listen to Chris' other podcast episodes or read the transcript on My Federal Retirement

  • Taxes in Retirement

    01/02/2018 Duração: 38min

    Federal retirement expert, Chris Kowalik, provides some practical insight on how federal employees can prepare for income taxes in retirement.  

  • Is Deferred Retirement A Good Choice?

    21/09/2017 Duração: 17min

    Federal retirement expert, Chris Kowalik, brings some clarity on an often-confusing special type of federal retirement -- deferred retirement -- and some potential significant drawbacks to it.

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