Haws Federal Advisors Podcast

Dallen Haws

Federal Employees enjoy incredible benefits but it can get confusing to know exactly how to handle it all. This podcast is the place for all the tips and tricks to get the most out of your Federal benefits and federal retirement. We cover topics such as the TSP, FEHB, FEGLI, your pension, investing, and much more.

  1. 2d ago

    Retiring at the End of 2026? Your Paperwork Timeline, Week by Week

    Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense Retiring at the end of 2026? The clock is already running. Here's exactly what has to happen, and when, so your first check isn't delayed. Quick facts: Confirm your retirement date with HR first. End-of-year is the busiest retirement season in government. 10–12 weeks out: request an annuity estimate, pull your SF-50s and check your service computation date, and finish any military deposit or civilian redeposit before you separate. 8–10 weeks out: complete your SF 3107 retirement application with Schedules A, B and C, plus your survivor election (spouse consent is needed for less than a full survivor benefit). Ask HR how your agency uses OPM's Online Retirement Application. 6–8 weeks out: confirm you meet the 5-year rule for FEHB and FEGLI, decide on FEGLI reductions, and update your TSP (TSP-3) and FERS (SF 3102) beneficiaries. TSP withdrawals are separate from OPM, so you can wait on those. 2–4 weeks out: plan for 3–6 months of expenses while you're on interim pay, know your annual leave payout, and set up direct deposit and tax withholding. After your last day: your agency sends your package to OPM, interim pay starts, and your final annuity can take months. Keep copies of everything. Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com 👇 Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Download a copy of our Free Federal Retirement Roadmap: http://bit.ly/4vlqoGY Join our NEW LinkedIn or Facebook groups to answer/ask any federal questions: https://www.linkedin.com/groups/13175084/ https://www.facebook.com/share/g/1Gq3H4Vm5F/

  2. 3d ago

    The 2027 COLA Is In — How Much the 10.9% FEHB Hike Takes Back

    Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense The 2027 COLA is in. FERS retirees got 2.6%, but the average FEHB premium is going up 10.9%. Here's how much of that raise you actually keep, and why some retirees will see a smaller check in January. Quick facts: The 2027 COLA is 3.6% for CSRS and Social Security, and 2.6% for FERS retirees 62 and older (when inflation is over 3%, FERS gets CPI minus 1%). Regular FERS retirees under 62 get no COLA. The average FEHB enrollee premium is up 10.9% for 2027 (8.2% for PSHB), but your plan's change can be much higher or lower. Illustrative example: a $2,000/month FERS annuity gets +$52/month from the COLA. If your FEHB share is $300/month, a 10.9% increase adds $32.70/month, leaving a net gain of about $19/month. Under 62 on FERS? There's no COLA to offset the premium increase. Look up your plan's 2027 premium and compare plans during Open Season, Nov 9 – Dec 14, 2026. Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com 👇 Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Download a copy of our Free Federal Retirement Roadmap: http://bit.ly/4vlqoGY Join our NEW LinkedIn or Facebook groups to answer/ask any federal questions: https://www.linkedin.com/groups/13175084/ https://www.facebook.com/share/g/1Gq3H4Vm5F/

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Federal Employees enjoy incredible benefits but it can get confusing to know exactly how to handle it all. This podcast is the place for all the tips and tricks to get the most out of your Federal benefits and federal retirement. We cover topics such as the TSP, FEHB, FEGLI, your pension, investing, and much more.

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