Rayna Retirement

American Federal Benefits Consultants
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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. | To contact Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or visit AmericanFederal.org.

  1. 19h ago

    Federal Benefits: What’s a Yes—and What’s a No?

    Should you use accumulated sick leave before retiring? Contribute a percentage or a fixed dollar amount to the TSP? Keep family coverage after your children are no longer eligible? In this episode, Rayna Reyes plays a federal-benefits game of “yes or no” to help federal and postal employees identify some of the decisions they may need to revisit. Rayna covers sick leave, TSP contributions and fund choices, health and life insurance, dental coverage and the importance of involving your spouse in retirement planning. These choices can affect your paycheck, retirement income, survivor benefits and insurance coverage—so understanding what you have today is an important step toward planning for tomorrow. -- Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857 Visit: AmericanFederal.org -- 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.

  2. 4d ago

    When a Federal Employee Dies: Benefits, Forms and First Steps

    Losing someone you love is difficult enough without having to navigate unfamiliar forms, agencies and financial decisions at the same time. In this episode, Rayna Reyes explains the important steps families of federal employees and retirees may need to take after a death—including filing a FEGLI claim, notifying the appropriate federal office, applying for survivor benefits and contacting the Thrift Savings Plan. Rayna also discusses inherited TSP tax considerations, the NAIC Life Insurance Policy Locator and why families should organize passwords, policies and other essential information before a crisis occurs. The goal isn’t simply to have the right documents—it’s to give the people you love confidence that they understand your wishes and know what to do when the time comes. -- Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857 Visit: AmericanFederal.org -- 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.

  3. 6d ago

    Deferred or Postponed? What Happens When You Leave Federal Service Early

    You may be ready to leave your federal or postal career—but that does not necessarily mean you are ready to begin receiving your pension. Depending on your age and years of service, you may need to choose between a deferred or postponed retirement. In this episode of Rayna Retirement, Rayna Reyes explains the difference between these frequently confused options. She discusses minimum retirement age, the permanent reduction that can apply under MRA+10, when an unreduced pension may become available and what leaving federal service could mean for benefits such as FEHB, FEGLI and the FERS Special Retirement Supplement. Rayna also identifies one decision that can jeopardize your future pension: withdrawing your retirement contributions after leaving federal service. Before turning in your notice, make sure you understand which benefits you are preserving—and which ones you could permanently lose. -- Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857 Visit: AmericanFederal.org -- 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.

  4. 6d ago ·  Bonus

    Podcast Extra: Back-to-School Finances: Saving Money and Teaching Smarter Habits

    Back-to-school season can put added pressure on the family budget—but a little planning can help keep those costs under control. Retirement.Radio’s Matt McClure talks with Lora Monfared, Consumer Credit Card Executive at Bank of America, about practical ways parents and grandparents can save on school supplies, technology, clothing and other essentials. They also discuss how to teach teens the basics of budgeting, encourage responsible credit use, resist the pressure to overspend and begin building an emergency fund. It’s a timely conversation packed with simple strategies families can use during the school year and beyond -- Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857 Visit: AmericanFederal.org -- 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.

  5. Sep 8

    Retire to Something: How to Build a Life Beyond Your Federal Career

    A successful retirement requires more than calculating your pension, Social Security and TSP income. You also need a plan for how you will spend your time, maintain meaningful relationships and create a new sense of purpose after leaving your federal career. In this episode of Rayna Retirement, Rayna Reyes explores some of the most common challenges retirees face—from boredom, isolation and the loss of a familiar routine to healthcare expenses, home maintenance and the realities of living on a fixed income. She also shares practical ways to prepare for these changes before retirement arrives. Whether you are counting down the days until retirement or still deciding when to leave federal service, this conversation can help you retire to something—not simply away from work. -- Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857 Visit: AmericanFederal.org -- 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.

  6. Sep 6

    Should You Roll Over Your TSP? It Depends on What You Need

    Should you leave your retirement savings in the TSP—or roll some of it into an IRA or another retirement vehicle? The answer isn't the same for everyone. In this episode of Rayna Retirement, Rayna Reyes breaks down the TSP rollover decision in plain English. She looks at some of the TSP's biggest strengths, including low costs, market exposure and liquidity, while also discussing potential limitations involving income planning, risk, required distributions and what happens to your money after you're gone. Rayna also explains what a rollover actually is, why moving qualified money directly from one retirement account to another generally isn't the same as taking a taxable withdrawal, and why you don't necessarily have to choose between keeping everything in the TSP or moving everything out. The goal isn't to find the one "best" account. It's to determine what you need your retirement savings to accomplish—and then build a strategy around those goals. -- Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857 Visit: AmericanFederal.org -- 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.

  7. Sep 4

    Use It or Lose Value? The Truth About Sick Leave Before Retirement

    Federal employees are often encouraged to save as much sick leave as possible—but is holding onto a huge balance until retirement really the best strategy? In this episode of Rayna Retirement, Rayna Reyes explains how unused sick leave factors into your federal retirement calculation and why employees approaching retirement may want to think strategically about how they use it. From medical and dental appointments to family care, bereavement, FMLA and other eligible purposes, your sick leave can be a valuable benefit while you're still on the job. Rayna also walks through an example showing the difference between using legitimate sick leave while remaining an employee versus simply carrying the entire balance into retirement—and why the distinction can matter for your paycheck, TSP contributions, matching funds, health benefits and overall retirement plan. The takeaway: don't misuse your sick leave, but don't automatically assume that saving every hour until retirement is the smartest move, either. Know the rules, schedule the care you need and make your accumulated benefits part of your overall retirement strategy. -- Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857 Visit: AmericanFederal.org -- 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.

  8. Aug 25

    Federal Retirement Is a Family Affair

    If your spouse is a federal or postal employee, their retirement decisions can have a major impact on your financial future, too. In this episode of Rayna Retirement, I’m talking directly to spouses about the federal benefits and elections you need to understand. We’ll discuss survivor benefits, what happens to health insurance after the federal retiree dies, your rights involving TSP withdrawals, and how life insurance and beneficiary designations work. Most importantly, we’ll explain why spouses should be part of the retirement-planning conversation from the beginning. Some decisions require your consent, while others can affect your income, insurance and financial security for years to come. Retirement affects the entire household—and both spouses should understand the choices being made. -- Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857 Visit: AmericanFederal.org -- 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.

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About

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. | To contact Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or visit AmericanFederal.org.

Information

  • Creator
    American Federal Benefits Consultants
  • Years Active
    2025 - 2026
  • Episodes
    100
  • Rating
    Clean
  • Copyright
    © 2025
  • Show Website
    Rayna Retirement

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