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PODCAST

Rayna Retirement

American Federal Benefits Consultants

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning. Whether you"re navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical

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All Episodes

00:12:35

Riding the Medicare Train: Eligibility, Enrollment &...

Rayna Retirement ·

2025/11/26

In this fun and highly practical episode of Rayna Retirement, Rayna Reyes helps you “ride the Medicare train” with confidence. Whether you're turning 65, retiring from federal service, or navigating disability-based eligibility, Rayna breaks down exactly who qualifies for Medicare, when you can enroll, and how to avoid costly penalties. She explains the differences between Medicare Parts A, B, C, and D, what each one actually covers, and how Medicare

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00:09:58

1-2-3 Roth! Your TSP Contribution Strategy Made Simple

Rayna Retirement ·

2025/11/25

Rayna breaks down the difference between Roth and Traditional TSP contributions using her signature humor—and even a brand-new song. Learn why your contribution type and strategy matter, how percentage vs. dollar amounts impact your match, what to do when you get a raise, and the big Roth-related rule change coming in 2026 for high earners. Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857

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00:09:58

1-2-3 Roth! Your TSP Contribution Strategy Made Simple

Rayna Retirement ·

2025/11/25

Rayna breaks down the difference between Roth and Traditional TSP contributions using her signature humor—and even a brand-new song. Learn why your contribution type and strategy matter, how percentage vs. dollar amounts impact your match, what to do when you get a raise, and the big Roth-related rule change coming in 2026 for high earners. Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857

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00:10:23

Love & Marriage, Part 2: What Every Federal Employee...

Rayna Retirement ·

2025/11/21

In this episode of Rayna Retirement, Rayna Reyes breaks down some of the most confusing—and most misunderstood—questions federal employees have about survivor benefits and FEHB health insurance. From what happens if you retire single and get married later, to how survivor benefits impact premiums, to the surprising truth about “Twinkies,” Rayna gives clear, easy-to-understand answers you won’t hear anywhere else. Contact Rayna directly at 850-450-6500 Or

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00:10:23

Love & Marriage, Part 2: What Every Federal Employee...

Rayna Retirement ·

2025/11/21

In this episode of Rayna Retirement, Rayna Reyes breaks down some of the most confusing—and most misunderstood—questions federal employees have about survivor benefits and FEHB health insurance. From what happens if you retire single and get married later, to how survivor benefits impact premiums, to the surprising truth about “Twinkies,” Rayna gives clear, easy-to-understand answers you won’t hear anywhere else. Contact Rayna directly at 850-450-6500 Or

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00:13:27

Love, Marriage, and Survivor Benefits: Choosing...

Rayna Retirement ·

2025/11/19

Love and marriage come with a lot of decisions — and for federal employees, one of the most important is whether or not to leave a survivor benefit. In this episode, Rayna Reyes breaks down the complex rules around FERS and CSRS survivor benefits, explaining how they work, what they cost, and how they connect to your health insurance in retirement. Rayna uses clear, real-life examples to help you understand when it makes sense to leave a full, partial, or

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00:13:27

Love, Marriage, and Survivor Benefits: Choosing...

Rayna Retirement ·

2025/11/19

Love and marriage come with a lot of decisions — and for federal employees, one of the most important is whether or not to leave a survivor benefit. In this episode, Rayna Reyes breaks down the complex rules around FERS and CSRS survivor benefits, explaining how they work, what they cost, and how they connect to your health insurance in retirement. Rayna uses clear, real-life examples to help you understand when it makes sense to leave a full, partial, or

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00:10:46

Prepping for ORA: What Federal Employees Need to Know...

Rayna Retirement ·

2025/11/15

Just when you got used to the GRB system, the federal government rolled out a new retirement portal — ORA (the Online Retirement Application). In this episode, Rayna Reyes breaks down exactly what federal employees need to know before starting their ORA retirement application. Rayna walks you through the three critical forms ORA doesn’t include — the SF 2818 (Life Insurance Election), the W-4P (Tax Withholding for Pensions), and the Spouse Consent to

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00:10:46

Prepping for ORA: What Federal Employees Need to Know...

Rayna Retirement ·

2025/11/15

Just when you got used to the GRB system, the federal government rolled out a new retirement portal — ORA (the Online Retirement Application). In this episode, Rayna Reyes breaks down exactly what federal employees need to know before starting their ORA retirement application. Rayna walks you through the three critical forms ORA doesn’t include — the SF 2818 (Life Insurance Election), the W-4P (Tax Withholding for Pensions), and the Spouse Consent to

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00:09:45

When a Loved One Passes: What Federal Families Need...

Rayna Retirement ·

2025/11/11

Losing someone you love is never easy — emotionally or financially. In this episode of Rayna Retirement, host Rayna Reyes, co-founder of American Federal Benefits Consultants, shares compassionate and practical guidance for federal employees and their families on what to do after the death of a loved one. Rayna explains: The first steps to take when a spouse or family member passes away How to file life insurance claims (including FEGLI) and what to

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00:07:40

Too Young to Retire? How to Access Your TSP Without...

Rayna Retirement ·

2025/11/07

Think you’re too young to touch your Thrift Savings Plan (TSP) without a penalty? Think again. In this episode of Rayna Retirement, host Rayna Reyes, co-founder of American Federal Benefits Consultants, breaks down how separated or early-retired federal employees under age 55 can legally access their TSP — without triggering that dreaded 10% IRS penalty. Rayna explains: The difference between the age 55 rule and age 59½ rule How IRS Code 72(t) can

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00:07:40

Too Young to Retire? How to Access Your TSP Without...

Rayna Retirement ·

2025/11/07

Think you’re too young to touch your Thrift Savings Plan (TSP) without a penalty? Think again. In this episode of Rayna Retirement, host Rayna Reyes, co-founder of American Federal Benefits Consultants, breaks down how separated or early-retired federal employees under age 55 can legally access their TSP — without triggering that dreaded 10% IRS penalty. Rayna explains: The difference between the age 55 rule and age 59½ rule How IRS Code 72(t) can

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00:07:55

The Power of a Second Look: How One Meeting Changed a...

Rayna Retirement ·

2025/11/04

In this emotional and insightful episode of Rayna Retirement, host Rayna Reyes shares a true story that proves just how powerful a single financial review can be. When one federal employee nearly retired without buying back his 12 years of military service, Rayna’s timely guidance changed everything — not only boosting his pension by nearly $1,000 a month, but also increasing his spouse’s survivor benefit by $500 monthly after his passing. Through this

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00:07:56

Catch-Up Contributions Explained: What’s Changing for...

Rayna Retirement ·

2025/10/31

In this episode of Rayna Retirement, host Rayna Reyes breaks down the new rules for catch-up contributions in 401(k) and TSP accounts starting in 2026. If you’re over 50, you’ve likely heard of the “catch-up” provision that lets you contribute extra toward retirement — but big changes are coming. Rayna explains what those new income thresholds mean, how high earners will see their catch-up contributions automatically routed to the Roth side of their plan,

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00:07:56

Catch-Up Contributions Explained: What’s Changing for...

Rayna Retirement ·

2025/10/31

In this episode of Rayna Retirement, host Rayna Reyes breaks down the new rules for catch-up contributions in 401(k) and TSP accounts starting in 2026. If you’re over 50, you’ve likely heard of the “catch-up” provision that lets you contribute extra toward retirement — but big changes are coming. Rayna explains what those new income thresholds mean, how high earners will see their catch-up contributions automatically routed to the Roth side of their plan,

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00:08:08

Avoid the Medicare Surcharge: Planning Ahead for IRMAA

Rayna Retirement ·

2025/10/28

Think your income only matters for taxes? Think again. In this episode of Rayna Retirement, host Rayna Reyes, co-founder of American Federal Benefits Consultants, explains how your income from two years ago determines how much you’ll pay for Medicare Part B — and what you can do to plan ahead. Rayna breaks down how IRMAA (Income-Related Monthly Adjustment Amount) works, the income thresholds for 2026, and how smart planning can save you thousands in

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00:08:45

Medicare Open Enrollment: What to Watch for in 2026

Rayna Retirement ·

2025/10/24

It’s that time of year again — Medicare open enrollment! In this episode, host Rayna Reyes, co-founder of American Federal Benefits Consultants, helps listeners make sense of the annual mail flood and plan changes that arrive each fall. Rayna breaks down what to look for when reviewing your coverage for 2026, including: How Medicare Advantage (Part C) plans differ from traditional Medicare The pros and cons of HMOs vs. PPOs Key cost factors like

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00:08:45

Medicare Open Enrollment: What to Watch for in 2026

Rayna Retirement ·

2025/10/24

It’s that time of year again — Medicare open enrollment! In this episode, host Rayna Reyes, co-founder of American Federal Benefits Consultants, helps listeners make sense of the annual mail flood and plan changes that arrive each fall. Rayna breaks down what to look for when reviewing your coverage for 2026, including: How Medicare Advantage (Part C) plans differ from traditional Medicare The pros and cons of HMOs vs. PPOs Key cost factors like

en

00:07:33

What Do You Think I’m Doing This For—My Health? Open...

Rayna Retirement ·

2025/10/22

It’s that time of year again—open enrollment season for federal employees and postal workers! In this episode of Rayna Retirement, Rayna Reyes takes a fun but practical look at one of the most important decisions you’ll make each year: choosing your health insurance plan. With her trademark humor (“What do you think I’m doing this for—my health?”), Rayna explains what you need to know before making changes to your FEHB or PSHB plan this November. You’ll

en

00:07:33

What Do You Think I’m Doing This For—My Health? Open...

Rayna Retirement ·

2025/10/22

It’s that time of year again—open enrollment season for federal employees and postal workers! In this episode of Rayna Retirement, Rayna Reyes takes a fun but practical look at one of the most important decisions you’ll make each year: choosing your health insurance plan. With her trademark humor (“What do you think I’m doing this for—my health?”), Rayna explains what you need to know before making changes to your FEHB or PSHB plan this November. You’ll

en

113 results

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