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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

00:12:08

The Bill Is Signed—Now What? Federal Retirement...

Rayna Retirement ·

2025/07/11

Rayna Reyes is back with a big sigh of relief and a message of gratitude after the signing of the long-anticipated federal bill. In this heartfelt and informative episode, she breaks down what’s not changing for federal employees—no “high-five,” the pension supplement is safe, and your high-three calculations remain intact. But Rayna goes beyond the headlines. She reminds federal workers to appreciate the rare benefits they have—like a guaranteed

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00:11:40

TSP L Funds Explained: Are They the “Celine Dion” of...

Rayna Retirement ·

2025/06/20

If the Thrift Savings Plan (TSP) had a soundtrack, it might just be “My Heart Will Go On”. In this fun and informative episode of Rayna Retirement, Rayna Reyes breaks down the misunderstood world of TSP L Funds—and what they can do for you. What does the "L" in L Fund actually mean? How does your investment mix shift automatically as you approach retirement? Are you one of the many federal employees getting a letter saying your L 2025 fund is

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00:11:40

TSP L Funds Explained: Are They the “Celine Dion” of...

Rayna Retirement ·

2025/06/20

If the Thrift Savings Plan (TSP) had a soundtrack, it might just be “My Heart Will Go On”. In this fun and informative episode of Rayna Retirement, Rayna Reyes breaks down the misunderstood world of TSP L Funds—and what they can do for you. What does the "L" in L Fund actually mean? How does your investment mix shift automatically as you approach retirement? Are you one of the many federal employees getting a letter saying your L 2025 fund is

en

00:13:52

TSP, Coffee & the Roth You Didn’t Know You Didn’t Know

Rayna Retirement ·

2025/06/13

“There are things you know. Things you know you don’t know. And things you don’t know you don’t know.” In this rich, relatable, and sometimes hilarious episode of Rayna Retirement, federal retirement specialist Rayna Reyes breaks down everything you didn’t know you didn’t know about the Thrift Savings Plan (TSP)—especially the difference between Traditional and Roth contributions. With a metaphor involving coffee, creamer, water, and oil (yes, really),

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00:13:52

TSP, Coffee & the Roth You Didn’t Know You Didn’t Know

Rayna Retirement ·

2025/06/13

“There are things you know. Things you know you don’t know. And things you don’t know you don’t know.” In this rich, relatable, and sometimes hilarious episode of Rayna Retirement, federal retirement specialist Rayna Reyes breaks down everything you didn’t know you didn’t know about the Thrift Savings Plan (TSP)—especially the difference between Traditional and Roth contributions. With a metaphor involving coffee, creamer, water, and oil (yes, really),

en

00:07:11

Bonus Interview: Healthy Eyes, Healthy Lives: Vision...

Rayna Retirement ·

2025/05/20

Guest: Dr. Chantal Cousineau-Krieger, Ophthalmologist, National Eye Institute ️ May is Healthy Vision Month, and Matt McClure sits down with Dr. Chantal Cousineau-Krieger, an ophthalmologist with the National Eye Institute, to explore how your eye health connects to your overall wellness—especially as you age. We discuss: How conditions like diabetes and high blood pressure impact your vision The 20-20-20 rule to reduce screen strain What

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00:07:11

Bonus Interview: Healthy Eyes, Healthy Lives: Vision...

Rayna Retirement ·

2025/05/20

Guest: Dr. Chantal Cousineau-Krieger, Ophthalmologist, National Eye Institute ️ May is Healthy Vision Month, and Matt McClure sits down with Dr. Chantal Cousineau-Krieger, an ophthalmologist with the National Eye Institute, to explore how your eye health connects to your overall wellness—especially as you age. We discuss: How conditions like diabetes and high blood pressure impact your vision The 20-20-20 rule to reduce screen strain What

en

00:09:13

Law Enforcement Officers: Your FERS Benefits Decoded

Rayna Retirement ·

2025/05/16

Are you a federal law enforcement officer, firefighter, air traffic controller, or other “special category” employee? If so, your retirement benefits come with very different rules—and better perks. In this episode of Rayna Retirement, we break down the unique FERS retirement system for Leos (law enforcement officers) and other special category feds. You’ll learn: ✅ How your FERS pension is calculated (hint: 1.7% is magical) ✅ When you can retire early

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00:09:13

Law Enforcement Officers: Your FERS Benefits Decoded

Rayna Retirement ·

2025/05/16

Are you a federal law enforcement officer, firefighter, air traffic controller, or other “special category” employee? If so, your retirement benefits come with very different rules—and better perks. In this episode of Rayna Retirement, we break down the unique FERS retirement system for Leos (law enforcement officers) and other special category feds. You’ll learn: ✅ How your FERS pension is calculated (hint: 1.7% is magical) ✅ When you can retire early

en

00:09:30

Ch-Ch-Ch-Changes: What’s Shifting in Your Federal...

Rayna Retirement ·

2025/05/09

In this episode, Rayna Reyes tackles the potential increases in FERS pension contributions and what they mean for federal employees planning for retirement. Using her signature “Gatorade” analogy, she simplifies complex retirement concepts and helps you understand how your pension, Social Security, and TSP work together to build your future. If you’ve ever been confused by the numbers on your pay stub—or worried about upcoming legislative changes—this

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00:09:30

Ch-Ch-Ch-Changes: What’s Shifting in Your Federal...

Rayna Retirement ·

2025/05/09

In this episode, Rayna Reyes tackles the potential increases in FERS pension contributions and what they mean for federal employees planning for retirement. Using her signature “Gatorade” analogy, she simplifies complex retirement concepts and helps you understand how your pension, Social Security, and TSP work together to build your future. If you’ve ever been confused by the numbers on your pay stub—or worried about upcoming legislative changes—this

en

00:02:06

Bonus Interview: Crushed by Credit? There’s Hope —...

Rayna Retirement ·

2025/05/06

In this bonus episode, we dive into the importance of tackling credit card debt before it spirals out of control. You'll hear insights from Robin Growley of Bank of America, who shares practical tips and a message of hope for anyone feeling overwhelmed by debt. Whether you're just starting to manage your finances or already feeling buried, this interview reminds us it’s never too late to take control. — Contact: Rayna and the team at American Federal

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00:02:06

Bonus Interview: Crushed by Credit? There’s Hope —...

Rayna Retirement ·

2025/05/06

In this bonus episode, we dive into the importance of tackling credit card debt before it spirals out of control. You'll hear insights from Robin Growley of Bank of America, who shares practical tips and a message of hope for anyone feeling overwhelmed by debt. Whether you're just starting to manage your finances or already feeling buried, this interview reminds us it’s never too late to take control. — Contact: Rayna and the team at American Federal

en

00:09:11

Rayna’s Roadmap: Live Retirement Events in 10+ States!

Rayna Retirement ·

2025/05/02

Rayna Reyes is on the move—and so is her team! In this episode, Rayna walks you through a jam-packed schedule of upcoming Rayna Retirement events happening across the country, from Mississippi to Maine. Whether you're a federal employee in Texas, New York, Missouri, or Maryland, there's likely an in-person event coming to your backyard. These free sessions cover everything from your TSP to Social Security, Medicare, life insurance, and more. Bring your

en

00:09:11

Rayna’s Roadmap: Live Retirement Events in 10+ States!

Rayna Retirement ·

2025/05/02

Rayna Reyes is on the move—and so is her team! In this episode, Rayna walks you through a jam-packed schedule of upcoming Rayna Retirement events happening across the country, from Mississippi to Maine. Whether you're a federal employee in Texas, New York, Missouri, or Maryland, there's likely an in-person event coming to your backyard. These free sessions cover everything from your TSP to Social Security, Medicare, life insurance, and more. Bring your

en

00:10:28

The Truth About Health Insurance for Retired Feds

Rayna Retirement ·

2025/04/18

Retirement doesn’t mean you stop making health plan choices—it means they matter more than ever. In this episode of Rayna Retirement, Rayna reveals how federal retirees can avoid costly health insurance mistakes, reduce premiums, and potentially get money back. Plus: how to decode your OPM codes and maximize Medicare coordination. Got questions? Call Rayna at (850) 450-6500 or visit AmericanFederal.org to connect with her team. — Contact: Rayna and the

en

00:10:28

The Truth About Health Insurance for Retired Feds

Rayna Retirement ·

2025/04/18

Retirement doesn’t mean you stop making health plan choices—it means they matter more than ever. In this episode of Rayna Retirement, Rayna reveals how federal retirees can avoid costly health insurance mistakes, reduce premiums, and potentially get money back. Plus: how to decode your OPM codes and maximize Medicare coordination. Got questions? Call Rayna at (850) 450-6500 or visit AmericanFederal.org to connect with her team. — Contact: Rayna and the

en

00:15:40

Follow the Yellow Brick Road to Federal Retirement

Rayna Retirement ·

2025/04/11

Headed toward your own Emerald City—retirement? ️ In this episode, Rayna Reyes helps federal employees map out the twists and turns on the journey to retirement. Whether you're eyeing a VERA, DSR, MRA+10, or just trying to figure out where you are on the path, this episode gives you practical tools to move forward with confidence. In this episode, you’ll learn: The differences between VERA, DSR, and MRA+10 retirements How your age and years of service

en

00:15:40

Follow the Yellow Brick Road to Federal Retirement

Rayna Retirement ·

2025/04/11

Headed toward your own Emerald City—retirement? ️ In this episode, Rayna Reyes helps federal employees map out the twists and turns on the journey to retirement. Whether you're eyeing a VERA, DSR, MRA+10, or just trying to figure out where you are on the path, this episode gives you practical tools to move forward with confidence. In this episode, you’ll learn: The differences between VERA, DSR, and MRA+10 retirements How your age and years of service

en

00:05:59

Bonus Interview: Spring Clean Your Finances for...

Rayna Retirement ·

2025/04/09

t’s America Saves Week—a perfect time to recommit to those financial resolutions you made in January. In this special podcast extra, Matt McClure speaks with Robin Growley, Head of Consumer Deposits at Bank of America, about smart, simple ways to build your savings. From automating deposits to using the 50/30/20 rule, learn how to set yourself up for financial success—without feeling overwhelmed. Why saving doesn’t have to be hard The psychology of

en

115 results

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