FedSmart

Federal retirement comes with plenty of questions,especially when it comes to healthcare and the FERS supplement.

In this FedSmart Podcast Q&A episode, Jesse Black andSteven Puckett discuss Medicare Part B for federal retirees, what federal employees need to know about keeping FEHB coverage in retirement, and when the earnings limit applies to the FERS retirement supplement.

They also address common questions about the FEHB five-year rule, adding family members to your health plan, Medicare IRMAA brackets, and how special provision and early-out retirements can affect the supplementearnings limit.

What actually makes a federal retirement plan a great one?

In this episode of the FedSmart Podcast, Jesse Black andSteven Puckett break down the key elements they believe federal employees should consider when preparing for retirement. They discuss retirement income from FERS, Social Security and the TSP, the importance of maintaining reservesfor inflation and unexpected expenses, and why retirement planning should go beyond the numbers.

They also explore an often-overlooked question: What are youretiring to?

Whether retirement is approaching or still several yearsaway, this episode offers practical considerations to help you think more intentionally about your income, lifestyle, goals and the kind of retirement you want to build.

Think your federal pension will cover retirement on its own?Jesse Black and Steven Puckett break down the biggest misconception they see after 22 years of helping federal employees retire: relying solely on your pension instead of building a real income strategy. Learn why the FERS systemdepends on a "three-legged stool" of pension, Social Security, and TSP, why your pension alone often can't keep up with inflation, and why "never touching your TSP" isn't the brag people think it is. Whether you're years from retirement or already there, this episode will help you start planning intentionally for the retirement you actually want.

In this FedSmart Q&A episode, Jesse Black and StevenPuckett answer three common federal retirement questions that many employees face as they approach retirement. They discuss how the Rule of 55 works with TSP withdrawals, what spouses need to keep FEHB health coverage after retirement, and whether federal employees still working at 65 need Medicare Part B. This episode delivers straightforward educational insight designed to help federal employees better understand key retirement decisions.

Jesse Black and Steven Puckett break down the updated TSPwithdrawal rules for federal employees in retirement. In this episode, they cover lump sum withdrawals, installment payments, TSP annuities, tax withholding considerations, and important details retirees should understand before accessing their retirement savings. Practical, easy-to-followinformation designed to help federal employees better understand how TSP withdrawals work in retirement.

In this FedSmart Q&A episode, Jesse Black and StevenPuckett answer three of the most common questions federal employees ask when planning for retirement. From Social Security earnings limits to Roth TSP misconceptions and the differences between postponing and deferring retirement,this episode breaks down key details that often create confusion.

If you're approaching retirement or just trying to betterunderstand your options, this conversation offers practical clarity on decisions that can impact your long-term strategy.

Many federal employees spend decades saving and reparingfor retirement, only to enter it without a clear plan for how to actually use their money.

In this episode, Jesse Black and Steven Puckett walk throughwhat they are seeing in real conversations with federal employees across the country. From underutilizing retirement savings to withdrawing too much too soon, they discuss how a lack of personalized planning often leads to missedopportunities or unnecessary risk.

This conversation highlights the importance of understandinghow your pension, Social Security, and TSP work together, and why general advice is not enough when it comes to retirement decisions.

In this FedSmart podcast Q&A, Jesse Black and Steven Puckett answer three common questions from federal employees preparing for retirement. They explain how TSP withdrawals work, when the FERS supplement starts under an early retirement, and what documents federal employees should download before losing access to agency systems.

What does an ideal federal retirement actually look like,and how do today’s decisions shape tomorrow’s outcome?

In this episode, Jesse Black and Steven Puckett explore thekey elements that often define a well structured federal retirement. They discuss how FERS employees think about income sources, timing, and long term planning, along with common gaps and overlooked considerations. This conversation is designed to help federal employees better understand the moving pieces that influence their retirement picture and the role preparation plays over time.

Federal employees are asking smart questions about retirement, and in this Q&A edition of the FedSmart Podcast, Jesse Black and Steven Puckett tackle the ones showing up the most right now. From whether AI can really be trusted for retirement planning, to updated earnings limits for those receiving the FERS supplement or Social Security, to common confusion around Roth conversions and RMDs, this episode breaks it all down clearly and practically. If you are approaching retirement or already there, this conversation helps clarify what matters and where to be careful.

Wondering how long federal retirement processes actuallytake? In this episode of the Fed Smart Podcast, Jesse Black and Steven Puckett break down the most common federal retirement timelines, from when to submit your paperwork to when you might see your leave payout, interim pension payments, and full retirement finalization. They also cover key timing tips for accessing your TSP, Social Security, and Medicare so you can plan with realistic expectations and fewer surprises.

In this episode of the FedSmart Podcast, Jesse Blackand Steven Puckett sit down with Nick Black to share the latest updates every federal employee should know heading into 2026. They cover real-time insights on OPM processing times, retirement paperwork, and an important new change coming to the Thrift Savings Plan (TSP) that federal employees have been waiting for.

You’ll also hear practical advice about transitioning intoretirement, what to expect with VSIP and annual leave payouts, and key considerations for Roth conversions. Whether you’re nearing retirement or already enjoying it, this episode will help you stay informed, prepared, andconfident in your next steps.

Jesse Black and Steven Puckett break down the good, the badand the "maybes" of the brand new TSP changes happening starting January 2026! Everyone with a TSP will want to watch this, whether working or retired!

Most federal employees don’t realize their life insurance costs can skyrocket as they age. In this episode, Jesse Black and Steven Puckett sit down with Brandon Johnson, the Federal Life Insurance Guru,” to break down the Federal Employees’ Group Life Insurance (FEGLI) program. They explain what parts of FEGLI go up in cost, what stays flat, and how to identify when you might be overpaying or underinsured. Whether you’re in your 30s or approaching retirement, this conversation can help you better understand your benefits, avoid costly surprises, and make informed decisions about your coverage.

In this episode of the FedSmart Podcast, Jesse Black and Steven Puckett tackle the most common retirement questions federal employees ask. From knowing when you’re truly ready to retire, to what counts toward the Social Security earnings limit, to deciding when to take your benefits, this episode helps you think clearly about your timing, income, and long-term plan. Whether you’re planning ahead or preparing to retire soon, this episode will give you the clarity and confidence to take your next steps wisely.

Jesse Black and Steven Puckett break down one of the mostimportant — and misunderstood — elements of your federal retirement plan: survivor benefits. Whether you're years away from retirement, about to retire, or already collecting your FERS pension, this episode will help you better understand what happens to your benefits after you’re gone, what decisions you need to make now, and how these choices impact your spouse or estate. Clear, candid, and packed with helpful context — it’s an essential listen for everyfederal employee.

#FedSmart #FederalRetirement #JesseBlack #StevenPuckett #FERS #OPM #SurvivorBenefits #RetirementPlanning

In this episode of the FedSmart Podcast, Jesse Black and Steven Puckett break down the critical milestone ages that shape a federal employee’s retirement journey. From TSP access at 55 to Medicare enrollment at 65, and RMDs at 73, they walk through what to consider at each phase. Whether you’re early in your career or closing in on retirement, this episode helps you better understand how to prepare for each transition point—without hype or pressure.

#FederalEmployees #TSPStrategy #FERSPlanning #FedSmart #FederalRetirement #JesseBlack #StevenPuckett

Jesse Black and Steven Puckett break down the five things every federal employee needs to think about before and after retirement—and it’s not just finances.

Most people retire from something… but what if you focused on what you're retiring to?

#FedSmart #FederalRetirement #JesseBlack #StevenPuckett#FERS #RetirementMindset #FederalEmployees

Federal Retirement

TSP Withdrawal Strategies

Federal Retirement Planning Tips

Federal Retirement Mistakes to Avoid

Financial Advice for Federal Employees

FERS Retirement

Thrift Savings PlanFedSmart Podcast

Steven Puckett

Jesse Black

How to Retire Federal Employee

Federal Retirement System Explained

Retirement Income Planning

TSP Mistakes

TSP Strategy 2025

Retirement planning is more than numbers — it's about living with purpose and clarity. In this episode of the FedSmart Podcast, Jesse Black and Steven Puckett break down the most common retirement planning mistakes federal employees make and how to avoid them. Whether you're 5 years or 15 years away from retirement, this conversation will help you take actionable steps toward a confident future.

#FederalRetirement #TSPWithdrawals #FedSmartPodcast #RetirementPlanning #FederalEmployees #FinancialPlanning #RetireSmart #FedSmart, #JesseBlack, #StevenPuckett

With all the news about potential RIFs and Early Retirement, Steven Puckett and Jesse Black break down what you really need to know about these options. As always you can count on FedSmart bringing information that will help you fully understand the key things to know about these potential outcomes. Listen to the latest episode and then follow FedSmart to stay fully informed.

Welcome to the first episode of FedSmart in 2025! 🎉 Join Jesse Black and Steven Puckett as they kick off the year discussing retirement planning, staying on track with your financial goals, and the surprising truth about New Year's resolutions. Whether you're gearing up for retirement or enjoying the 'promised land,' this episode is packed with insights to help you make the most of your journey. Subscribe for more tips on retirement, savings, and financial freedom! 🚀 #RetirementPlanning #FinancialFreedom #FedsmartPodcast #RetirementGoals #NewYearsResolutions #MoneyMatters #FinancialTips #FederalEmployees #SmartRetirement #personalfinances https://fedsmartretirement.com/schedule-appointment, https://fedsmartretirement.com/, www.FedSmartPodcast.com, www.FEGLISavings.com Jesse Black Steven Puckett Federal Retirement Consultants Financial Advisor FERS FERS Pension Federal Retirement, Federal Employee Retirement Federal Pension FedSmart FedSmart Podcast FedSmart Retirement

Let's talk through the top 5 questions about retirement planning... from how much you need in your TSP to setting realistic financial goals, maximizing contributions, and staying flexible in retirement! We'll walk you through each step to help you prepare for a comfortable future. Whether you’re just starting out or already planning, these insights are for you. Don’t miss it! https://fedsmartretirement.com/schedule-appointment, https://fedsmartretirement.com/, www.FedSmartPodcast.com, www.FEGLISavings.com Jesse Black Steven Puckett Federal Retirement Consultants Financial Advisor FERS FERS Pension #RetirementPlanning #TSP #FinancialGoals #FederalEmployees #RetirementTips #ThriftSavingsPlan #RetirementAdvice #FinancialPlanning #FedSmart #RetirementFund #PersonalFinance #MaximizeSavings #RetirementBudgeting #FedSmartPodcast #RetirementStrategies #FinancialWellness

When it comes to allocating funds within the Thrift Savings Plan (TSP), federal employees need to understand that financial planning is not a one-size-fits-all approach. Each individual’s financial situation is unique, which makes general financial advice risky. Whether you are in the early stages of your career or approaching retirement, it’s crucial to develop a strategy that is personalized to your goals, risk tolerance, and life stage. https://fedsmartretirement.com/schedule-appointment, https://fedsmartretirement.com/, www.FedSmartPodcast.com, www.FEGLISavings.com Jesse Black Steven Puckett Federal Retirement Consultants Financial Advisor FERS FERS Pension TSP TSP Allocations Federal Retirement, Federal Employee Retirement Federal Pension FedSmart FedSmart Podcast FedSmart Retirement

Jesse Black and Steven Puckett highlight an exciting new Federal Retirement Resource that will help you set yourself up for success when planning for retirement! https://fedsmartretirement.com/schedule-appointment, https://fedsmartretirement.com/, www.FedSmartPodcast.com, www.FEGLISavings.com https://www.federalretirementcourse.com/ Jesse Black Steven Puckett Federal Retirement Consultants Federal Retirement Course Federal Retirement Community Financial Advisor FERS FERS Pension Federal Retirement, Federal Employee Retirement Federal Pension FedSmart FedSmart Podcast FedSmart Retirement

Jesse Black, Steven Puckett and Chad Owen explore various risks, challenges and strategies for navigating the complex retirement landscape. https://fedsmartretirement.com/schedule-appointment, https://fedsmartretirement.com/, www.FedSmartPodcast.com, www.FEGLISavings.com Jesse Black Steven Puckett Chad Owen Federal Retirement Consultants Financial Advisor FERS FERS Pension Topic tags Federal Retirement, Federal Employee Retirement Federal Pension FedSmart FedSmart Podcast FedSmart Retirement

Retirement planning is a crucial aspect of financial management, and one component that individuals must be well-acquainted with is Required Minimum Distributions (RMDs). In this podcast, Jesse Black and Steven Puckett delve into the intricacies of RMDs, focusing on retirement assets such as the traditional Thrift Savings Plan (TSP). https://fedsmartretirement.com/schedule-appointment, https://fedsmartretirement.com/, www.FedSmartPodcast.com, www.FEGLISavings.com Jesse Black Steven Puckett Federal Retirement Consultants Financial Advisor FERS FERS Pension RMD TSP Minimum Distributions Required Distributions Federal Retirement, Federal Employee Retirement Federal Pension FedSmart FedSmart Podcast FedSmart Retirement

Jesse Black and Steven Puckett talk through different things to consider when setting up your TSP Distribution Plan. It's very important to not take a "one strategy fits all" approach. https://fedsmartretirement.com/schedule-appointment, https://fedsmartretirement.com/, www.FedSmartPodcast.com, www.FEGLISavings.com

Jesse Black Steven Puckett Federal Retirement Consultants Financial Advisor FERS FERS Pension Retirement Education Federal Retirement OPM FedSmith

TSP

Jesse Black and Steven Puckett talk through the importance of being educated about your retirement benefits. After meeting with thousands of Federal Employees, they can tell that the employees who have educated themselves are usually the most prepared for retirement. This Podcast will help you learn where to find the right education and how to apply it.

Jesse Black and Steven Puckett talk through the different parts of Medicare, when you should consider taking it as you approach retirement, and the premiums and penalties involved.

Jesse Black and Steven Puckett talk about key relationships to have as you appreoach Federal Retirement. They also talk about what your Financial Advisor should know about you and your Federal Retirement situation.

Nick Black joins Steven Puckett and Jesse Black to discuss FEGLI Options In Retirement.

In this episode Jesse and Steve talk about why income truly is the most important thing to consider when entering into retirement.

In this episode Jesse and Steven cover the different kinds of financial advice and how they can help or hurt your investments as you approach retirement. They also cover the kinds of advisors to consider when needing advice on investing and allocating your TSP.

In this episode Jesse Black and Steven Puckett are joined by Nick Black, who is a specialist on federal life insurance to discuss coverages and options.  This episode covers how Federal Employee Group Life Insurance works while working and in a later episode the guys will cover what it looks like when retired.

In this episode Jesse and Steven go over the three main ways to pull from the TSP and strategies to consider around withdrawals.

In this episode Jesse and Steven cover important ages to consider as retirement approaches.

In this episode Jesse and Steven discuss how cost of living adjustments work for federal retirees.  

Jesse and Steven cover what to expect when going through the retirement process.  Topics include when to submit paperwork, interim pension checks, how long the process takes on average and some potential ways to plan ahead of time.

On this episode Jesse and Steven discuss retirement for Special Provisions.  Topics include retirement eligibility, TSP rules, calculation, etc.

In this episode Jesse and Steven go over in detail the often misunderstood FERS Supplement.   

In this episode Jesse and Steven discuss the changes coming to the Thrift Savings Plan in the coming weeks.  Topics include new home page, mobile app, mutual fund window and more.

In this episode Jesse and Steven cover early retirement options.  Topics covered are Pension Deferral, Postponement, MRA+10 and "Early Out". 

In this episode Jesse Black and Steven Puckett discuss when a regular FERS employee is eligible to retire and everything to consider with that eligibility.