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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

00:15:37

Social Security Secrets: Timing, Disability, and...

Rayna Retirement ·

2025/09/05

When it comes to retirement, few decisions are as important as when to start taking Social Security. In this episode of Rayna Retirement, host Rayna Reyes breaks down the essentials—from the basics of eligibility and the 40 quarters rule, to the “break-even” concept, disability benefits, and how waiting can impact your monthly check. Rayna explains how factors like working income, spousal support, and even the looming 2035 trust fund changes can all play

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00:15:37

Social Security Secrets: Timing, Disability, and...

Rayna Retirement ·

2025/09/05

When it comes to retirement, few decisions are as important as when to start taking Social Security. In this episode of Rayna Retirement, host Rayna Reyes breaks down the essentials—from the basics of eligibility and the 40 quarters rule, to the “break-even” concept, disability benefits, and how waiting can impact your monthly check. Rayna explains how factors like working income, spousal support, and even the looming 2035 trust fund changes can all play

en

00:12:31

RMDs, Taxes, and Planning Ahead: Don’t Let Uncle Sam...

Rayna Retirement ·

2025/09/02

If you’ve been saving in the TSP or another qualified retirement plan, you know Uncle Sam has been patient—but not forever. In this episode of Rayna Retirement, Rayna Reyes explains Required Minimum Distributions (RMDs), why they matter, and how to plan so your money lasts longer and benefits both you and your loved ones. Rayna shares creative analogies (coffee cups, Beatles songs, and even Greek mythology!) to make complex retirement concepts simple

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00:16:37

Medicare, Open Enrollment, and Avoiding Costly Mistakes

Rayna Retirement ·

2025/08/29

Every fall, federal and postal employees face important decisions during open enrollment. In this episode of Rayna Retirement, host Rayna Reyes breaks down how annual health plan changes impact your wallet, what to watch for in your Annual Notice of Change, and how Medicare fits into your retirement plan. Rayna explains Medicare Parts A, B, C, and D in plain language—plus shares real client stories about how missing open enrollment or delaying Medicare

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00:16:37

Medicare, Open Enrollment, and Avoiding Costly Mistakes

Rayna Retirement ·

2025/08/29

Every fall, federal and postal employees face important decisions during open enrollment. In this episode of Rayna Retirement, host Rayna Reyes breaks down how annual health plan changes impact your wallet, what to watch for in your Annual Notice of Change, and how Medicare fits into your retirement plan. Rayna explains Medicare Parts A, B, C, and D in plain language—plus shares real client stories about how missing open enrollment or delaying Medicare

en

00:09:19

The Three-Legged Stool: Federal Retirement Explained

Rayna Retirement ·

2025/08/22

In this episode of Rayna Retirement, host Rayna Reyes breaks down the classic three-legged stool of federal retirement planning: your pension, Social Security, and Thrift Savings Plan (TSP). Rayna explains how each “leg” works, why balance is key, and how to decide when and how to use your TSP without draining it completely. From guaranteed monthly income streams to flexible savings, she shares practical ways to maximize your retirement security. If

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00:09:19

The Three-Legged Stool: Federal Retirement Explained

Rayna Retirement ·

2025/08/22

In this episode of Rayna Retirement, host Rayna Reyes breaks down the classic three-legged stool of federal retirement planning: your pension, Social Security, and Thrift Savings Plan (TSP). Rayna explains how each “leg” works, why balance is key, and how to decide when and how to use your TSP without draining it completely. From guaranteed monthly income streams to flexible savings, she shares practical ways to maximize your retirement security. If

en

00:07:39

The 5-Year Rule: Keeping Your Federal Health...

Rayna Retirement ·

2025/08/22

In this episode of Rayna Retirement, host Rayna Reyes unpacks one of the most important—and often misunderstood—rules in federal retirement planning: the 5-year requirement for keeping your federal health insurance in retirement. Rayna explains why this rule matters, what “consecutive coverage” really means, how switching between plans impacts eligibility, and what steps you must take to ensure your spouse remains covered after you pass away. From common

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00:08:58

Divorce and Federal Retirement: What You Need to Know

Rayna Retirement ·

2025/08/19

Divorce is rarely simple—and for federal and postal employees, it can get especially complicated when pensions, survivor benefits, and the Thrift Savings Plan (TSP) are involved. In this episode of Rayna Retirement, host Rayna Reyes breaks down the rules around divorce-related financial obligations, including Qualified Domestic Relations Orders (Quadros), apportionments, and survivor benefit mandates. Rayna shares real-world examples from her work with

en

00:08:58

Divorce and Federal Retirement: What You Need to Know

Rayna Retirement ·

2025/08/19

Divorce is rarely simple—and for federal and postal employees, it can get especially complicated when pensions, survivor benefits, and the Thrift Savings Plan (TSP) are involved. In this episode of Rayna Retirement, host Rayna Reyes breaks down the rules around divorce-related financial obligations, including Qualified Domestic Relations Orders (Quadros), apportionments, and survivor benefit mandates. Rayna shares real-world examples from her work with

en

00:20:41

Filling Out Your Federal Retirement Paperwork the...

Rayna Retirement ·

2025/08/15

In this episode of Rayna Retirement, host Rayna Reyes walks you through the essential retirement forms that federal and postal employees must complete to officially begin their retirement journey. Just like needing a ticket to board a plane, your "ticket to retirement" is your completed OPM paperwork—and Rayna makes sure you know exactly what’s required, which pages matter most, and how to avoid costly mistakes. From survivor benefit elections to life

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00:20:41

Filling Out Your Federal Retirement Paperwork the...

Rayna Retirement ·

2025/08/15

In this episode of Rayna Retirement, host Rayna Reyes walks you through the essential retirement forms that federal and postal employees must complete to officially begin their retirement journey. Just like needing a ticket to board a plane, your "ticket to retirement" is your completed OPM paperwork—and Rayna makes sure you know exactly what’s required, which pages matter most, and how to avoid costly mistakes. From survivor benefit elections to life

en

00:11:39

The Survivor Benefit Teeter-Totter: What Every FERS &...

Rayna Retirement ·

2025/08/09

If you’re a federal employee or retiree, understanding your survivor benefit options could mean the difference between financial stability and unexpected shortfalls for your spouse. In this episode of Rayna Retirement, Rayna Reyes breaks down how survivor benefits work for CSRS and FERS employees, who can receive them, and how they compare to life insurance payouts. She’ll walk you through: The exact choices available under CSRS and FERS rules How to

en

00:11:39

The Survivor Benefit Teeter-Totter: What Every FERS &...

Rayna Retirement ·

2025/08/09

If you’re a federal employee or retiree, understanding your survivor benefit options could mean the difference between financial stability and unexpected shortfalls for your spouse. In this episode of Rayna Retirement, Rayna Reyes breaks down how survivor benefits work for CSRS and FERS employees, who can receive them, and how they compare to life insurance payouts. She’ll walk you through: The exact choices available under CSRS and FERS rules How to

en

00:17:02

Am I Eligible Yet? FERS, CSRS, and Knowing When to Go

Rayna Retirement ·

2025/08/01

Ever feel like you’re counting down the days until your retirement like a prisoner waiting for parole? You’re not alone. In this episode, Rayna Reyes walks you through exactly when—and how—you can leave federal service under both FERS and CSRS. Whether you’re wondering what your Minimum Retirement Age (MRA) means, confused about the MRA +10 rule, or unsure if a Vera or RIF applies to you, Rayna breaks it all down in plain English. From service year

en

00:17:02

Am I Eligible Yet? FERS, CSRS, and Knowing When to Go

Rayna Retirement ·

2025/08/01

Ever feel like you’re counting down the days until your retirement like a prisoner waiting for parole? You’re not alone. In this episode, Rayna Reyes walks you through exactly when—and how—you can leave federal service under both FERS and CSRS. Whether you’re wondering what your Minimum Retirement Age (MRA) means, confused about the MRA +10 rule, or unsure if a Vera or RIF applies to you, Rayna breaks it all down in plain English. From service year

en

00:15:39

Too Many Buckets? Rollover Tips for Smarter...

Rayna Retirement ·

2025/07/25

Got a dozen retirement accounts and no idea what to do with them? You’re not alone. In this episode of Rayna Retirement, Rayna Reyes breaks down the concept of rollovers, required minimum distributions (RMDs), and the art of simplifying your financial life — especially for federal employees. Rayna uses relatable analogies (yes, there’s coffee, mugs, and even Hank Williams) to explain how rolling over your money from one account to another can help you

en

00:15:39

Too Many Buckets? Rollover Tips for Smarter...

Rayna Retirement ·

2025/07/25

Got a dozen retirement accounts and no idea what to do with them? You’re not alone. In this episode of Rayna Retirement, Rayna Reyes breaks down the concept of rollovers, required minimum distributions (RMDs), and the art of simplifying your financial life — especially for federal employees. Rayna uses relatable analogies (yes, there’s coffee, mugs, and even Hank Williams) to explain how rolling over your money from one account to another can help you

en

00:15:41

FEGLI for Life: Why You Should Never Drop Basic Coverage

Rayna Retirement ·

2025/07/18

Basic, A, B, C… it might sound like alphabet soup, but when it comes to federal life insurance, these options can make or break your retirement legacy. In this information-packed episode, Rayna Reyes breaks down the key components of FEGLI and offers practical advice on what to keep, what to consider, and how to make sure your loved ones are protected for life—without overpaying. She also shares her family’s firsthand experience with a living benefits

en

00:15:41

FEGLI for Life: Why You Should Never Drop Basic Coverage

Rayna Retirement ·

2025/07/18

Basic, A, B, C… it might sound like alphabet soup, but when it comes to federal life insurance, these options can make or break your retirement legacy. In this information-packed episode, Rayna Reyes breaks down the key components of FEGLI and offers practical advice on what to keep, what to consider, and how to make sure your loved ones are protected for life—without overpaying. She also shares her family’s firsthand experience with a living benefits

en

115 results

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