Prepping for ORA: What Federal Employees Need to Know Before Retirement

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 Survivor Election form — and explains how to complete and upload them correctly.

From survivor benefits to life insurance reductions and notary requirements, Rayna helps you avoid costly mistakes and get your retirement paperwork right the first time. 

If you’re a FERS or CSRS employee planning to retire soon, this is a must-listen guide to navigating ORA with confidence and clarity.

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.