X Fed - Ex Fed Explains

By Reinette Foster

Reinette Foster, a former federal employee with 27 years of service, brings her insider experience to our new podcast, where she helps federal employees make sense of their benefits and retirement

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· Education

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FAQs about X Fed - Ex Fed Explains:

How many episodes does X Fed - Ex Fed Explains have?

The podcast currently has 6 episodes available.

X Fed - Ex Fed Explains episodes:

August 21, 2026 Estate Planning - Why You Need a Will and Trust
Did You Know Everyone has an Estate Plan?

Unfortunately most people find this out too late! If you have no plan the State dictates what happens to you and your belongings in open and very public court!

Listen in as we discuss the following topics from the recent webinar:

- Why Don't More Government Employees have a Completed Estate Plan?
- Is a Will and Testament enough?
- Benefits of a Living Trust?
and other overlooked Estate Planning Topics....
We'd love your feedback
Want to talk one-on-one about your plan? SCHEDULE an Estate Plan Review
Book Your Complimentary Consultation Here
Visit: reinettefoster.com
Call: 318-481-6539
...more
29min
July 10, 2026Your Top Federal Retirement Questions - Answered
Following our recent webinar, one thing was clear: federal employees have a lot of great questions, and the answers aren't always as straightforward as they seem.
In this episode of X Fed – Ex Fed Explains, Reinette recaps some of the most frequently asked questions from our latest Q&A session, including:
How to think about Medicare enrollment if you're over age 65 and have fewer than 30 years of federal service.
Whether returning to work after retirement affects your pension or Thrift Savings Plan (TSP).
Why many federal retirees don't receive a Cost-of-Living Adjustment (COLA) until age 62, and the important exceptions to know.
Why the first few years before and after retirement can be especially important when making investment withdrawal decisions.
How relocating or changing positions may impact your High-3 average salary calculation.
Why personalized retirement planning can help you avoid costly mistakes.
Every federal employee's situation is unique, and retirement decisions should be based on your individual benefits, goals, and circumstances, not someone else's experience.
If today's discussion raises questions about your own retirement plan, consider scheduling a personalized retirement analysis to better understand how your federal and Social Security benefits work together and what options may be available to you.
Whether you're planning to retire soon or simply preparing for the future, this episode is packed with practical insights to help you make more informed decisions with confidence.

Want to catch the webinar on-demand? Visit HERE.
Book Your Complimentary Consultation Here
Visit: reinettefoster.com
Call: 318-481-6539
...more
13min
June 09, 2026 Facing the Unexpected: Smart Financial Moves for Federal Employees in Times of Change
Unexpected career changes can create uncertainty, but the decisions you make now may impact your retirement benefits for years to come. Listen in on this recently recorded live webinar as Federal Financial Advocate and former USDA employee Reinette Foster (27 years of federal service) discusses how to avoid costly mistakes while creating a plan for what comes next.

What You'll Learn:

✔ Common retirement eligibility mistakes that can lead to costly decisions
✔ How leaving federal service can impact your FEHB benefits
✔ Why locality pay could affect your pension calculations
✔ TSP mistakes many employees make during periods of change
✔ A practical 90-day action plan to help you regain control and move forward confidently
✔ Key steps to better understand your options before making important financial decisions

Want to know about other topics, or like to give feedback? Please complete the below survey.
https://links.sbocmo.com/widget/survey/1wKZYFGIeYjE93esqALR
Book Your Complimentary Consultation Here
Visit: reinettefoster.com
Call: 318-481-6539
...more
29min
April 14, 2026Financial Literacy Month - Why Your Financial Plan Matters
In this episode of The XFed, Reinette Foster shares why Financial Literacy Month is the perfect time to take control of your financial future.
With nearly a decade of experience as a financial advisor, and 27 years as a federal employee, Reinette breaks down the reality that only a small percentage of Americans have a true financial plan in place… and what that could mean for your future.
She also introduces a series of free, educational workshops in partnership with Society for Financial Awareness designed to help individuals and families build clarity and confidence around their finances.
In this episode, you’ll discover:
Why having a financial plan is more important than ever
The key areas most people overlook (retirement, taxes, estate planning, and more)
How federal benefits and Social Security fit into a bigger financial picture
What makes these workshops different (no selling, just education)
How you can attend live or virtually—no matter your stage of life
Whether you're a federal employee, transitioning out, or simply looking to get organized financially, this episode is a great starting point.
👉 Subscribe to The XFed for updates on upcoming workshops, new podcast episodes, and ongoing financial education resources.
Book Your Complimentary Consultation Here
Visit: reinettefoster.com
Call: 318-481-6539
...more
4min
March 25, 2026 Retirement Paycheck Secrets: Build Income That Lasts
Listen in as Reinette breaks down how to create sustainable retirement income tailored to your lifestyle. She covers key risks like taxes, market volatility, healthcare costs, and long-term care, especially for federal employees facing potential tax increases and income gaps.
Don't miss the live webinar on April 2 at 12 PM CT, in partnership with the Society for Financial Awareness, for actionable strategies to strengthen your retirement plan. Register now and share the link with anyone who could benefit: https://attendee.gotowebinar.com/register/4969743533459241815?source=bz

Book Your Complimentary Consultation Here
Visit: reinettefoster.com
Call: 318-481-6539
...more
8min
February 10, 2026 Intro to Channel & TSP/Roth Event
Welcome to my new benefits channel!
My name is Reinette Foster, a former federal employee with 27 years of service, bringing insider experience to my new podcast, where I help federal employees make sense of their benefits and retirement choices. Now a financial educator, I break down complex topics like the evolution of the TSP and smart tax planning, with a focus on long-term retirement planning strategies over quick decisions. Tune in for clear, practical insights—and subscribe for ongoing guidance designed specifically for the federal workforce.
I am a member of The Society For Financial Awareness and will be guest speaker for a Live Web Event - 2026 TSP and Roth Updates Event - Wednesday Feb 18th at Noon CST - Register Here https://attendee.gotowebinar.com/register/2327768823800864607?source=BS
Book Your Complimentary Consultation Here
Visit: reinettefoster.com
Call: 318-481-6539
...more
7min

FAQs about X Fed - Ex Fed Explains:

How many episodes does X Fed - Ex Fed Explains have?

The podcast currently has 6 episodes available.