Rayna Retirement

By American Federal Benefits Consultants

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... more

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FAQs about Rayna Retirement:

How many episodes does Rayna Retirement have?

The podcast currently has 100 episodes available.

Rayna Retirement episodes:

March 06, 2026 TSP Inheritance Trap: Why Your Kids Could Lose Thousands in Taxes
If you're a federal employee planning to leave your TSP to your adult children, you need to hear this. Rayna Reyes exposes a little-known TSP rule that could cost your beneficiaries thousands—or even tens of thousands—in unnecessary taxes.
In this critical episode, Rayna reveals:
• The TSP "lump sum trap" for non-spouse beneficiaries
• Why your spouse is protected but your kids aren't
• Real tax impact: How a $200K inheritance can spike a child's tax bracket by 10-15%
• The inherited IRA alternative: Stretch distributions over 10 years instead of taking it all at once
• Why TSP forces taxation while other retirement accounts offer flexibility
• Strategic planning to protect your family's inheritance
Real Example: Your daughter makes $100K/year. She inherits $200K from TSP. Her taxable income for that year? $300K—jumping her from a 24% to 35% tax bracket. On an inherited IRA? She could take $20K/year for 10 years, staying in her normal bracket.
The Government's Design: TSP was created by the government. When do they get paid? When you pay taxes. This lump-sum rule generates massive tax revenue—at your family's expense.
Rayna explains why many federal retirees are exploring outside IRAs for legacy planning while keeping TSP advantages during their lifetime.
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Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org
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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.
...more
7min
March 04, 2026 Don't Rob Peter to Pay Paul: Smart Debt Strategies for Federal Retirees
Should you pay off all your debt before retirement? The answer might surprise you. In this candid episode, Rayna Reyes breaks down the difference between good debt and bad debt, and shares strategic approaches to managing both as you approach retirement.
What You'll Learn:
• Why TSP loans (under 4.5% interest in 2026) can be smarter than traditional bank loans
• The tax trap of TSP withdrawals—how a $20K withdrawal could bump you into a higher tax bracket
• Which debts to eliminate (high-interest credit cards, student loans) vs which to keep (low-rate mortgages)
• The "opportunity cost" concept: Why paying off a 3% mortgage with TSP money could cost you future growth
• Strategic timing: How to split large withdrawals across tax years to minimize tax impact
• Real-world budgeting considerations before making major debt payoff decisions
Critical Tax Insight: Taking a TSP withdrawal adds to your taxable income. A $20K withdrawal on an $80K salary means the IRS sees $100K income—potentially pushing you into a higher tax bracket.
Rayna emphasizes this isn't one-size-fits-all advice. Your debt strategy depends on interest rates, spending habits, retirement timeline, and whether you have Roth or Traditional TSP funds.
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Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org
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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.
...more
9min
February 28, 2026 Roth vs Traditional TSP: Which Option Is Right for You?
Should you contribute to Traditional or Roth TSP? Federal employees face this critical decision every pay period, and the choice you make today impacts your retirement income for decades.
In this essential episode, Rayna Reyes breaks down:
• The fundamental difference between Traditional and Roth TSP contributions
• Why you don't have to choose just one—tax diversification strategies
• How current tax rates compare to historical levels (hint: they're historically low!)
• The compound interest advantage of Roth contributions for younger employees
• Real-world scenarios: when to prioritize Traditional vs Roth
• Why having tax-free money in retirement is "a very nice gift to yourself"
Rayna shares eye-opening historical context: during the Reagan years, the highest tax bracket was over 90%—today it's under 40%. With the concept of "taxes are on sale," now may be the ideal time to lock in tax-free growth through Roth contributions.
Key Strategy: Consider contributing to BOTH Traditional (for immediate tax reduction) and Roth (for tax-free retirement income). The balance depends on your age, income, and retirement timeframe.
Don't guess with your retirement savings—get personalized guidance!
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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.
...more
7min
February 25, 2026 Podcast Extra: How AI Is Reshaping Work for Older Americans — Insights from AARP’s Carly Roszkowski
Artificial intelligence is transforming the workplace faster than ever — and for older workers, that shift can feel both exciting and intimidating. Retirement.Radio’s Matt McClure sits down with Carly Roszkowski, VP of Financial Resilience Programming at AARP, to unpack how AI is reshaping the job market and what it means for workers over 50.
They explore new research showing that many older workers are worried about job security and finding new employment — and why AI is becoming both a challenge and a powerful opportunity. Carly shares practical ways job seekers can use AI tools to research companies, tailor resumes, prepare for interviews, and stay competitive in a rapidly evolving workforce.
The conversation also highlights the growing value of multigenerational workplaces and why experience still matters in an AI-driven world. Plus, Carly points listeners to AARP’s free resources designed to help older adults navigate career transitions with confidence.If you’re thinking about career longevity, job security, or how technology is reshaping the future of work, this episode offers timely insights and practical guidance you can use right now.
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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.
...more
6min
February 24, 2026Federal Sick Leave Myths Debunked: What Really Counts Toward Retirement
Are you a federal employee sitting on hundreds (or thousands) of sick leave hours? Before you carry that time into retirement, Rayna Reyes has critical information that could impact your financial future.
In this eye-opening episode, Rayna covers:
Why burning sick leave before retirement puts more money in your pocket
The 100% vs 1% calculation that changes everything
A cautionary tale about sick leave NOT counting toward retirement eligibility
How to strategically schedule preventative health appointments
The difference between using sick leave as an active employee vs. in retirement
Important guidance on who should save their sick leave (and who should use it)
Rayna shares real stories, including a federal employee who lost thousands by taking bad advice from another advisor. She breaks down the math: when you use sick leave while employed, you receive 100% of your salary PLUS it still counts in your pension calculation. Take that same leave into retirement? You only get 1-1.1% of your high-three salary.
Key Insight: Schedule those colonoscopies, mammograms, dermatology checks, and wellness visits now. Your sick leave is meant to be used—and using it smartly can significantly boost your retirement income.
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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.
...more
16min
February 20, 2026New VERA & RIF Offers Coming in 2026—Are You Eligible?
Are new early retirement opportunities heading your way in 2026? In this essential episode, Rayna Reyes breaks down the latest VERA (Voluntary Early Retirement Authority) offers rolling out to federal employees across various agencies.
What You'll Learn:
VERA eligibility requirements: Age 50+ with 20 years of service, OR any age with 25+ years of service
The difference between VERA and DSR (Discontinued Service Retirement)
What happens if you decline a VERA offer and face a RIF (Reduction in Force)
Understanding VSIP (Voluntary Service Incentive Payment) and when it applies
Why some employees might still have retirement options even after being RIF'd
Rayna explains the critical distinction between accepting a VERA with incentive pay versus being subject to a RIF and taking a DSR. If you're a federal employee wondering whether these new opportunities apply to you, this episode provides the clarity you need to make an informed decision.
If you receive a VERA, RIF, or early retirement offer, contact American Federal Benefits Consultants to discuss your specific situation and explore your options.
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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.
...more
4min
February 18, 2026Podcast Extra: How to Build a Recession-Ready Budget
Recession talk is back for 2026—it may not be in every headline, but the odds aren’t at zero percent. You need to be prepared for the scenario of a possible recession.Key Points Covered:
Emergency Funds --- Start by building (or topping off) an emergency fund that covers three to six months of living expenses.
Picking the Right Budgeting System – Whether old or new, using a budgeting system can help consolidate while keeping stress away.
Configure your Financial Portfolio – Strategies to ensure your financial portfolio remains in a strong position.
--
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.
...more
3min
February 14, 2026 Understanding TSP Rollovers, Roth Conversions, and the Three-Legged Stool of Federal Retirement
Rayna Reyes breaks down complex federal retirement concepts using simple, real-world analogies designed to make even confusing financial topics easy to understand. In this episode, she walks listeners through the foundational “three-legged stool” of retirement for federal employees — pension, Social Security, and the Thrift Savings Plan — and explains how each piece works together to support long-term income planning.
Rayna also clarifies one of the most misunderstood areas of retirement planning: what really happens when you move money from the TSP. She explains the difference between rollovers and withdrawals, when taxes apply, and how IRAs function as “containers” that can hold a wide range of investment options. The episode also explores Roth strategies, including how Roth conversions work and why tax timing can be one of the most important retirement decisions federal employees make.
Whether listeners are still working or approaching retirement, this episode delivers a practical, easy-to-follow overview of how retirement money flows, when taxes are triggered, and why understanding your options before making a move can help avoid costly mistakes.
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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.
...more
12min
February 10, 2026 Inside the Federal Retirement Portal: What to Expect Before You Retire
Preparing for federal retirement involves more than picking a date—it requires understanding the process, the paperwork, and the decisions that come before you officially leave service.
In this episode of Rayna Retirement, Rayna Reyes walks listeners through what the federal retirement portal looks like, how to prepare key documents in advance, and which forms still require old-fashioned signatures and uploads. She explains common retirement elections, including life insurance and tax withholding choices, and highlights areas where federal employees often feel uncertain or overwhelmed.
Rayna also clarifies how much flexibility employees truly have during the retirement process, including the ability to make changes right up until the retirement date. This episode offers a practical, confidence-building overview for anyone approaching federal retirement who wants to avoid surprises and retire the right way the first time.
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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.
...more
12min
February 06, 2026 In-Plan Roth Conversions Are Here: What TSP Participants Need to Know
A major update to the Thrift Savings Plan is now in effect, and it could have meaningful tax implications for federal employees and retirees.
In this episode of Rayna Retirement, Rayna Reyes explains the new ability for TSP participants to complete in-plan Roth conversions, effective January 28, 2026. She breaks down how Roth conversions work inside the TSP, what taxes apply when moving pre-tax dollars to Roth, and why planning ahead for the tax impact is essential.
Rayna also reviews key rules around Roth contributions, conversions, and growth, including five-year timelines and age-based considerations, and shares why thoughtful, smaller conversions may be more effective than large lump-sum moves.
--
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.
...more
11min

FAQs about Rayna Retirement:

How many episodes does Rayna Retirement have?

The podcast currently has 100 episodes available.