Beyond the Three-Legged Stool: Making Your FERS Retirement Income Cover Your Expenses

You've heard about the "three-legged stool" of FERS retirement—pension, Social Security, and TSP—but what happens when two of those legs don't provide enough monthly income to cover your expenses?

In this essential episode, Rayna Reyes tackles one of the biggest challenges federal retirees face: income gaps. Before you make any decisions about your TSP, Rayna explains why you must first calculate your actual take-home income from your pension (after taxes, health insurance, FEHB, FEGLI, and survivor benefits) and understand your Social Security or FERS supplement situation.

You'll discover:

✓ Why advisors who only discuss TSP without reviewing your total income are missing the big picture

✓ How to identify if you'll have a monthly income shortfall

✓ When and how to use TSP or outside IRAs to fill income gaps

✓ Special considerations for those retiring at 60 with only 20 years of service

✓ Why the FERS supplement may only be half of what you expect

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Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org

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YouTube: https://www.youtube.com/@RaynaRetirement

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 knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.