Do Roth conversions make sense for everyone? In this episode, we unpack the rules, strategies, and potential pitfalls of Roth conversions, as well as the role of taxes, spending, and charitable goals. You'll learn why it's not always wise to "just convert everything now" and why flexibility is a crucial part of any financial strategy.

Access the full show notes at Mason & Associates, LLC

Resources Mentioned:

• Mason & Associates: LinkedIn
• Tommy Blackburn: LinkedIn
• John Mason: LinkedIn

What would your life look like if you actually used the money you spent years saving? In this episode, Tommy and John break down the idea of "flexing your money muscles" and why those muscles can mean tightening your spending or giving yourself permission to enjoy more. You'll learn how habits, confidence, and values shape our decisions, and why many people struggle to spend even when they can afford to.

Access the full show notes at Mason & Associates, LLC

Resources Mentioned:

• Mason & Associates: LinkedIn
• Tommy Blackburn: LinkedIn
• John Mason: LinkedIn

What really happens after someone passes away—and why are so many families blindsided even when they think everything was "set up correctly"? In this episode, John and Tommy pull back the curtain on the messy, emotional, and often confusing reality of settling an estate. You'll learn why wills and trusts don't operate the way most people assume, as well as the true challenges in modern estate planning.

Access the full show notes at Mason & Associates, LLC

Resources Mentioned:

• Federal Employee Financial Planning: Intro to Estate Planning (EP23)
• FEFP: Estate Planning Across State Lines for Federal Employees (EP76)
• FEFP: One Big Beautiful Bill Part 2 (EP100)
• FEFP: One Big Beautiful Bill Part 1 (EP99)
• HIPAA
• SSI (Supplemental Security Income)
• Mason & Associates: LinkedIn
• Tommy Blackburn: LinkedIn
• John Mason: LinkedIn

Are you making the most of your federal health benefits this open season? Whether you're an active federal employee or retired, this time of year can feel overwhelming, but understanding your options can save you thousands and help you plan smarter for the future. You'll learn how to evaluate your current plan, balance premiums and out-of-pocket costs, and make confident, informed decisions before open season ends.

Access the full show notes at Mason & Associates, LLC

Resources Mentioned:

• Medicare Masterclass on Enrollment, Costs, and the Inflation Reduction Act with Bryan Gay
• 10 Things Federal Employees Can Do Outside Of An Open Season
• Mason & Associates: LinkedIn
• Tommy Blackburn: LinkedIn
• John Mason: LinkedIn
• Ben Raikes: Website

What role should the G Fund really play in your TSP strategy? In this episode, Tommy, John, and Ben tackle one of the biggest questions federal employees ask during uncertain markets. You'll learn what to consider before making changes, how to rebalance your TSP effectively, and why trying to "time the market" often does more harm than good.

Access the full show notes at Mason & Associates, LLC

Resources Mentioned:

• Federal Employee Listener Mail - Survivor Benefits, IRA Rollovers, and Small Pensions
• Lifcycle Funds
• Mason & Associates: LinkedIn
• Tommy Blackburn: LinkedIn
• John Mason: LinkedIn
• Ben Raikes: Website

What's really changing for federal employees retiring in 2025? In this episode, Tommy and John break down the new retirement process, including survivor benefits, electronic filing, and the realities of interest rates, refinancing, and investment risks. You'll hear clear guidance on how to navigate these updates, what to watch out for in "no closing cost" mortgage offers, and how to make confident financial choices during this pivotal transition.

Access the full show notes at Mason & Associates, LLC

Resources Mentioned:

• FEFP: Fork in the Road: Understanding Your Federal Retirement Options (EP86)
• FEFP: Social Security: Family and Survivor Benefits (EP37)
• Mason & Associates: LinkedIn
• Tommy Blackburn: LinkedIn
• John Mason: LinkedIn

What's the difference between reacting to taxes and truly planning for them? In this episode, Tommy and John break down the latest year-end financial planning and tax strategies every federal employee needs to know. With recent tax law changes and shifting financial dynamics, they tackle big questions like how the enhanced senior deduction works, when a Roth conversion makes sense, and why timing matters when harvesting capital gains.

Access the full show notes at Mason & Associates, LLC

Resources Mentioned:

• FEFP: One Big Beautiful Bill Part 2 (EP100)
• FEFP: One Big Beautiful Bill Part 1 (EP99)
• FEFP: An Inside Look at Strategic Planning Season (EP94)
• FEFP: Mortgage Strategies for Federal Employees with James Anderson (EP80)
• Mason & Associates: LinkedIn
• Tommy Blackburn: LinkedIn
• John Mason: LinkedIn

What does the One Big Beautiful Bill mean for everyday taxpayers? And how will it shape the financial future of federal employees across the country? In this episode, we continue our deep dive into the bill with Stephen Kimberlin of Forvis Mazars US, breaking down what it really means for people. Listen in as Stephen explains the nuances, clarifies common misconceptions, and provides practical insights to help you navigate this new tax landscape with confidence.

Access the full show notes at Mason & Associates, LLC

Resources Mentioned:

• Stephen Kimberlin: LinkedIn
• Forvis Mazars
• Mason & Associates: LinkedIn
• Tommy Blackburn: LinkedIn
• John Mason: LinkedIn

What does the new One Big Beautiful Bill really mean for federal employees nearing retirement? Passed on July 4th, 2025, this sweeping tax legislation has stirred conversations across the country, but today we're zeroing in on how it impacts federal employees with significant investable assets. While business owners and high-income earners also feel the effects, our focus is on helping you understand what this bill means for your retirement planning, your tax strategy, and your financial future.

Access the full show notes at Mason & Associates, LLC

Resources Mentioned:

• Stephen Kimberlin: LinkedIn
• Forvis Mazars
• Mason & Associates: LinkedIn
• Tommy Blackburn: LinkedIn
• John Mason: LinkedIn

What if the biggest threat to your financial plan isn't the stock market or taxes, but being underinsured? In this episode, Tommy and John sit down with Broc Buckles, co-founder of BC Brokerage, to talk about why insurance is a critical cornerstone of any financial strategy. Listen in to learn how to avoid overpaying, why working with a broker can uncover better coverage and rates than sticking with a single provider, and why the right insurance coverage could save you thousands while giving you peace of mind.

Access the full show notes at Mason & Associates, LLC

Resources Mentioned:

• Broc Buckles: LinkedIn
• BC Brokerage
• Mason & Associates: LinkedIn
• Tommy Blackburn: LinkedIn
• John Mason: LinkedIn