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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

00:09:58

Goodbye Paper: What Postal Employees Must Know About...

Rayna Retirement ·

2026/01/09

Starting January 1, 2026, USPS employees can no longer submit paper retirement applications—everything must go through the online ORA system. In this episode, Rayna explains what’s changing, how to get access, what documents still require paper, and how her team can help postal workers complete the process with confidence. From login tips to survivor benefit notarizations, Rayna walks you through every step. Contact Rayna directly at 850-450-6500 Or

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00:09:33

The Hidden Power of FEGLI Basic: The Benefit You...

Rayna Retirement ·

2026/01/02

This time around, Rayna breaks down one of the most misunderstood benefits in the entire federal system: FEGLI Basic Life Insurance. From how your basic coverage is calculated, to why she is such a strong advocate for keeping it into retirement, Rayna explains why FEGLI Basic is one of the best—and most cost-effective—legacy protection tools available to federal employees. Listeners learn how FEGLI provides tax-free death benefits under IRC Section 7702,

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00:09:33

The Hidden Power of FEGLI Basic: The Benefit You...

Rayna Retirement ·

2026/01/02

This time around, Rayna breaks down one of the most misunderstood benefits in the entire federal system: FEGLI Basic Life Insurance. From how your basic coverage is calculated, to why she is such a strong advocate for keeping it into retirement, Rayna explains why FEGLI Basic is one of the best—and most cost-effective—legacy protection tools available to federal employees. Listeners learn how FEGLI provides tax-free death benefits under IRC Section 7702,

en

00:09:07

Legacy Planning 101: Protecting Your Family From...

Rayna Retirement ·

2025/12/26

In this episode of Rayna Retirement, Rayna digs into one of the most important — yet most avoided — parts of retirement planning: legacy planning. Inspired by Ben Franklin’s famous line about the certainties of life, Rayna highlights why planning for the “end in mind” isn’t morbid — it’s responsible, empowering, and essential for protecting the people you love. She explains why beneficiary designations must be reviewed regularly, how different financial

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00:09:07

Legacy Planning 101: Protecting Your Family From...

Rayna Retirement ·

2025/12/26

In this episode of Rayna Retirement, Rayna digs into one of the most important — yet most avoided — parts of retirement planning: legacy planning. Inspired by Ben Franklin’s famous line about the certainties of life, Rayna highlights why planning for the “end in mind” isn’t morbid — it’s responsible, empowering, and essential for protecting the people you love. She explains why beneficiary designations must be reviewed regularly, how different financial

en

00:11:42

Retired… Now What? Inside the OPM Process

Rayna Retirement ·

2025/12/19

In this episode of Rayna Retirement, Rayna walks federal employees step-by-step through what really happens after you retire — from your final day of service all the way to receiving your official annuity payments. Drawing directly from OPM guidelines, Rayna explains why your retirement date matters, how the baton pass from HR to OPM works, what “interim payments” are, and how long you can expect the process to take. She also clears up confusion around

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00:11:42

Retired… Now What? Inside the OPM Process

Rayna Retirement ·

2025/12/19

In this episode of Rayna Retirement, Rayna walks federal employees step-by-step through what really happens after you retire — from your final day of service all the way to receiving your official annuity payments. Drawing directly from OPM guidelines, Rayna explains why your retirement date matters, how the baton pass from HR to OPM works, what “interim payments” are, and how long you can expect the process to take. She also clears up confusion around

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00:14:19

The Roth TSP Is Changing—Here’s How to Use It to Your...

Rayna Retirement ·

2025/12/12

In this fun and educational episode, Rayna uses her signature analogy—coffee vs. water—to explain the real difference between traditional retirement contributions and Roth contributions. Federal employees, FERS workers, and TSP savers will especially benefit from Rayna’s breakdown of: What Roth really means • Why tax-free growth (the “oil”) is so powerful • Contribution limits for 2025 • Why high-income earners still often choose Roth inside TSP • How

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00:14:19

The Roth TSP Is Changing—Here’s How to Use It to Your...

Rayna Retirement ·

2025/12/12

In this fun and educational episode, Rayna uses her signature analogy—coffee vs. water—to explain the real difference between traditional retirement contributions and Roth contributions. Federal employees, FERS workers, and TSP savers will especially benefit from Rayna’s breakdown of: What Roth means Why tax-free growth (the “oil”) is so powerful Contribution limits for 2025 Why high-income earners still often choose Roth inside TSP How Roth IRA and Roth

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00:09:43

When Can You Retire? Understanding Your FERS Age...

Rayna Retirement ·

2025/12/09

When can you retire as a FERS employee—and what happens at each milestone age? Rayna walks listeners through Minimum Retirement Age (MRA), age 62, age 65, and Social Security’s Full Retirement Age (FRA) so federal employees can understand how these important thresholds affect their pension, health benefits, and Social Security strategy. This is a must-listen if you want to retire with confidence and keep all your federal benefits intact. Contact Rayna

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00:09:43

When Can You Retire? Understanding Your FERS Age...

Rayna Retirement ·

2025/12/09

When can you retire as a FERS employee—and what happens at each milestone age? Rayna walks listeners through Minimum Retirement Age (MRA), age 62, age 65, and Social Security’s Full Retirement Age (FRA) so federal employees can understand how these important thresholds affect their pension, health benefits, and Social Security strategy. This is a must-listen if you want to retire with confidence and keep all your federal benefits intact. Contact Rayna

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00:11:31

Maximizing Your Federal Benefits: How CSRS and FERS...

Rayna Retirement ·

2025/12/06

In this episode, Rayna Reyes breaks down the critical differences between CSRS (Civil Service Retirement System) and FERS (Federal Employees Retirement System)—and why understanding your retirement system is essential for maximizing your federal benefits. Rayna uses real examples, clear explanations, and her signature humor to help you make sense of pensions, Social Security, TSP contributions, matches, and what the “three-legged stool” really means for

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00:11:31

Maximizing Your Federal Benefits: How CSRS and FERS...

Rayna Retirement ·

2025/12/06

In this episode, Rayna Reyes breaks down the critical differences between CSRS (Civil Service Retirement System) and FERS (Federal Employees Retirement System)—and why understanding your retirement system is essential for maximizing your federal benefits. Rayna uses real examples, clear explanations, and her signature humor to help you make sense of pensions, Social Security, TSP contributions, matches, and what the “three-legged stool” really means for

en

00:10:42

FERS & CSRS Eligibility: How to Know If It’s Time to Go

Rayna Retirement ·

2025/12/02

In this high-energy episode of Rayna Retirement, Rayna Reyes breaks down the most common question she hears from federal employees: “Can I retire yet?” Using her signature humor and straight-to-the-point style, Rayna explains the five main pathways out of federal service—Immediate Retirement, MRA+10, Deferred Retirement, Postponed Retirement, and Disability Retirement—and helps listeners understand exactly which category they fall into. She details the

en

00:10:42

FERS & CSRS Eligibility: How to Know If It’s Time to Go

Rayna Retirement ·

2025/12/02

In this high-energy episode of Rayna Retirement, Rayna Reyes breaks down the most common question she hears from federal employees: “Can I retire yet?” Using her signature humor and straight-to-the-point style, Rayna explains the five main pathways out of federal service—Immediate Retirement, MRA+10, Deferred Retirement, Postponed Retirement, and Disability Retirement—and helps listeners understand exactly which category they fall into. She details the

en

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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00:12:35

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

en

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

en

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

en

109 results

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