🎯 Key Topics Covered:

TSP (Thrift Savings Plan) Strategy: • Which TSP funds to choose (G, F, C, S, I funds explained) • Traditional vs Roth contributions • Why to avoid mutual funds with high fees • Early withdrawal rules (55+ separation from service) • Rolling TSP to IRA for better flexibility

Federal Retirement Eligibility: • Full retirement at 62 with 5 years service • Early retirement at 60 with 20 years service
• MRA + 30 years (Minimum Retirement Age around 57) • Best retirement dates (last day of month for FERS employees)

Sick Leave Retirement Formula: • Exclusive formula to maximize pension benefits • How to calculate optimal sick leave balance • Why retiring with wrong sick leave amount costs thousands • Step-by-step calculation: (Start date - 2 days) × 5.797 hours + 1 hour

Federal Disability Retirement: • FERS vs Social Security disability differences • 60% first year, 40% until age 62, then regular pension calculation • Medical narrative requirements from doctors • 7-9 month average processing time through OPM • Working while on disability (80% income limit)

USPS Employee Benefits Future: • Impact of postal health benefit changes • Protection under collective bargaining agreements • VERA and early retirement considerations

💡 Expert Tips:

• Never retire on the 1st-3rd of month (FERS employees) • TSP has lower fees than many think, but IRAs offer more flexibility • Disability retirement doesn't require on-the-job injury • Social Security and FERS disability are separate programs • Annual leave should be maximized at retirement (unlike sick leave)

📞 Contact FIFA Financial:

• Website: FIFAFinancial.com • Andrew Stringer: (314) 207-4048 • Lucas Winsky: (314) 207-8771 • Free consultation with no solicitation on first meeting • Serving federal employees in 13+ cities nationwide

🔗 Resources Mentioned:

• Wednesday Night OWCP Chats Facebook page • Breaking OWCP Podcast • YouTube: Wednesday Night OWCP Chats with Chris and Gini • Upcoming webinars and seminars.

Tags: #FederalRetirement #TSP #DisabilityRetirement #FERS #OWCP #PostalEmployees #FederalBenefits #RetirementPlanning #SickLeave #PensionCalculation

Disclaimer: This information is for educational purposes. Consult with qualified financial advisors for personalized retirement planning.

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