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. 6h ago ·  Bonus

    Podcast Extra: 99 Smart Ways to Save Money in Today's Economy

    As prices continue to challenge household budgets, finding practical ways to save money has never been more important. In this podcast extra, Retirement.Radio's Matt McClure sits down with Stephen Perrine, executive editor of AARP The Magazine and AARP Bulletin, to discuss AARP's annual 99 Great Ways to Save guide.  The conversation covers: Smart grocery shopping strategies that can help reduce impulse spending. Creative ways to use AI as a money-saving tool, from negotiating fees to planning travel. Easy travel tips that can help lower fuel costs on your next road trip. Online shopping tricks that could unlock discounts before you click "buy." Resources from AARP that can help you stretch your dollars throughout the year. Whether you're preparing for retirement or simply looking for practical ways to make your money go further, this interview is packed with actionable tips you can start using today. -- 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. 1d ago

    The 3 Retirement Forms Every Federal Employee Needs to Get Right

    When it's time to retire from federal service, completing your retirement application is only part of the process. There are several critical forms that can have a lasting impact on your retirement income, your family, and your financial legacy. In this episode of Rayna Retirement, Rayna Reyes walks through the three key documents every federal employee should understand before submitting a retirement application. From life insurance elections to tax withholding and survivor benefit decisions, Rayna explains what each form does, why it matters, and how making the right choices now can help prevent costly mistakes later. She also discusses how her team helps federal employees navigate the retirement portal, upload required documentation, and confidently complete the retirement process. -- 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. 5d ago

    Retiring Soon? Why Waiting Until the Last Minute Could Cost You

    Retirement planning isn't just about filling out paperwork—it's about making informed decisions well before your retirement date arrives. In this episode of Rayna Retirement, Rayna Reyes explains why federal employees should begin planning for retirement months—or even years—ahead of time, even though many agencies won't allow retirement applications to be submitted until you're within a specific window. She discusses why early preparation reduces stress, helps avoid costly mistakes, and gives you time to make important decisions with confidence. Rayna also addresses a common misconception that retirement planning can wait until the application window opens. Instead, she explains why the planning process should happen first, leaving the final paperwork as simply the last step. -- 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. Jul 21

    Federal Retirement Has Changed—Here's How to Navigate the New Process

    Retiring from federal service isn't as simple as filling out a few paper forms anymore. Today's retirement process is increasingly digital, and for many employees, that can feel overwhelming. In this episode, Rayna Reyes explains how federal retirement has evolved, from OPM's online retirement application to managing your TSP account online and submitting required documentation electronically. More importantly, she shares why you don't have to navigate these changes alone. If you're approaching retirement and feeling intimidated by technology or the paperwork, this episode is designed to help you move forward with confidence. -- 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. Jul 17

    Understanding Your TSP: What the Numbers, Funds, and Limits Really Mean

    The Thrift Savings Plan (TSP) can feel overwhelming, especially when you log into the website and are greeted with charts, fund options, and contribution limits. In this episode, Rayna Reyes walks through what all of those numbers actually mean in plain English. Learn the difference between the five core TSP funds and the Lifecycle (L) Funds, how contribution and catch-up limits work in 2026, why Roth versus Traditional contributions matter, and what options become available once you reach age 59½. Whether you're just starting your federal career or getting close to retirement, understanding your TSP is one of the most important steps you can take toward building long-term financial security. -- 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. Jul 14

    Medicare Part B for Federal Retirees: Avoiding Costly Misunderstandings

    Are you nearing retirement from federal service and wondering what to do about Medicare Part B? In this episode of Rayna Retirement, Rayna Reyes breaks down one of the most confusing aspects of retirement planning for federal employees. She explains how Medicare enrollment rules differ for postal and non-postal employees, discusses a real-life example of someone who paid hundreds of dollars each month unnecessarily because of a common misunderstanding, and shares why individualized retirement planning is so valuable. If you're preparing to retire—or already retired—this episode will help you better understand your options so you can make informed decisions with confidence. -- 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. Jul 7

    Your Retirement Journey Doesn't End on Day One

    Retirement isn't a single event—it's a series of milestones that continue long after your last day on the job. In this episode, Rayna Reyes walks through the major checkpoints every federal employee can expect during retirement planning. From preparing your retirement application and choosing survivor benefits to navigating TSP decisions, interim pension payments, Social Security, Medicare, and Required Minimum Distributions (RMDs), she explains how each stage fits into your long-term retirement strategy. Most importantly, Rayna shares why having a trusted retirement team beside you throughout the entire journey can make the process far less stressful and much more successful. -- 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. Jul 3

    The FERS Special Retirement Supplement Explained

    If you're a federal employee planning to retire before age 62, one of the most valuable retirement benefits you have may also be one of the least understood. In this episode, Rayna Reyes breaks down the FERS Special Retirement Supplement—who qualifies, how it's calculated, how long it lasts, and what can cause it to be reduced. She also explains the Social Security earnings test, what counts as earned income (and what doesn't), and why proper retirement planning can help you maximize every benefit available. Whether you're just beginning to plan or your retirement date is right around the corner, this episode will help you better understand one of the most important pieces of your federal retirement income. -- 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