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Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense There are only about 11 weeks left in 2026, and most of the best tax moves for federal employees and retirees can't be done after December 31. In this video I walk through 8 year-end moves, from maxing out your TSP and in-plan Roth conversions to RMDs, QCDs, the new senior deduction, and use-it-or-lose-it leave. Pick the 2 or 3 that fit you. Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com 👇 Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Download a copy of our Free Federal Retirement Roadmap: http://bit.ly/4vlqoGY Join our free LinkedIn and Facebook groups to get our videos before anyone else, plus an exclusive case study every week you won't find anywhere else: https://www.linkedin.com/groups/13175084/ https://www.facebook.com/share/g/1Gq3H4Vm5F/

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense If you're 50 or older and made over $150,000 last year, your TSP catch-up contributions in 2026 have to go Roth, whether you chose it or not. In this video I cover who it hits, what it means for your paycheck, whether the switch is automatic, and the 3 things to check before December 31. Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com 👇 Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Download a copy of our Free Federal Retirement Roadmap: http://bit.ly/4vlqoGY Join our free LinkedIn and Facebook groups to get our videos before anyone else, plus an exclusive case study every week you won't find anywhere else: https://www.linkedin.com/groups/13175084/ https://www.facebook.com/share/g/1Gq3H4Vm5F/

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense FEHB premiums are going up about 10.9% on average for 2027, the third double-digit increase in a row. Open Season is your one chance each year to fix that. In this video I walk through my 6-step playbook for picking the right plan: check whether your plan is changing or leaving, compare total cost instead of just premium, confirm your doctors and prescriptions, choose the right enrollment type, run the numbers on an HDHP + HSA, and don't forget FSAFEDS and FEDVIP. I also cover what retirees and Medicare-eligible feds should look at. Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com 👇 Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Download a copy of our Free Federal Retirement Roadmap: http://bit.ly/4vlqoGY Join our free LinkedIn and Facebook groups to get our videos before anyone else, plus an exclusive case study every week you won't find anywhere else: https://www.linkedin.com/groups/13175084/ https://www.facebook.com/share/g/1Gq3H4Vm5F/

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense Social Security released its 2027 numbers on October 14. Everyone is talking about the 3.6% COLA, but if you plan to retire before 62 and keep working, the number that matters more is $25,560. That's the 2027 earnings limit, and your FERS Supplement uses it too. In this video I cover what counts as earned income, a real example with a $40,000 job, when the reduction actually hits, and who is exempt. Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com 👇 Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Download a copy of our Free Federal Retirement Roadmap: http://bit.ly/4vlqoGY Join our NEW LinkedIn or Facebook groups to answer/ask any federal questions: https://www.linkedin.com/groups/13175084/ https://www.facebook.com/share/g/1Gq3H4Vm5F/

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense If you got a RIF notice tomorrow and you weren't eligible to retire yet, what would happen to your pension, your health insurance, and your TSP? Here's the whole map, plus the one mistake that can cost you for life. Quick facts: First, check whether you qualify for Discontinued Service Retirement: age 50 with 20 years, or any age with 25 years. If you do, your pension starts now, but the FERS Supplement waits until your MRA. If you don't, your pension doesn't vanish. With 5+ years you can take a deferred annuity: unreduced at 62 (5+ years) or 60 (20+ years), or reduced at your MRA (10+ years). Don't take the refund of your FERS contributions, because it gives up the pension for those years. Without an immediate annuity, FEHB ends after a 31-day extension. Temporary Continuation of Coverage lasts up to 18 months at the full premium plus 2%. FEGLI continues free for 31 days, and you can convert it to an individual policy with no physical. Your TSP stays put, and the Rule of 55 applies if you separate in or after the year you turn 55. Unused annual leave is paid out in a lump sum. CTAP and ICTAP give RIF'd employees selection priority if you want to come back. Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com 👇 Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Download a copy of our Free Federal Retirement Roadmap: http://bit.ly/4vlqoGY Join our NEW LinkedIn or Facebook groups to answer/ask any federal questions: https://www.linkedin.com/groups/13175084/ https://www.facebook.com/share/g/1Gq3H4Vm5F/

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense It's official: Social Security and CSRS retirees get a 3.6% COLA for 2027. FERS retirees get 2.6%. Here's who gets what, why FERS gets less, and when it shows up in your check. Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com 👇 Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Download a copy of our Free Federal Retirement Roadmap: http://bit.ly/4vlqoGY Join our NEW LinkedIn or Facebook groups to answer/ask any federal questions: https://www.linkedin.com/groups/13175084/ https://www.facebook.com/share/g/1Gq3H4Vm5F/

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense The month you turn 62, your FERS Supplement stops. Do you replace it with Social Security right away, or wait for a bigger check? Here's the trade-off, who should claim early, who should wait, and two traps to watch for. Quick facts: The supplement stops at the end of the month you turn 62. Your pension keeps going, and FERS COLAs start at 62. With a full retirement age of 67 (born 1960 or later), claiming at 62 pays 70% of your full benefit, 67 pays 100%, and 70 pays 124%. Waiting until 70 instead of claiming at 62 breaks even at roughly age 80. Lean earlier if you're single, in average health, with modest savings. Lean later if you're the higher earner in a married couple and have savings to bridge to 70. Still working before full retirement age? In 2026, $1 is held back for every $2 you earn over $24,480. And Social Security plus your pension can make up to 85% of your benefit taxable. Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense Is your FEHB plan leaving in 2027? Nine plan options won't be offered next year. If yours is one of them and you don't pick a new plan by December 14, OPM picks for you: Compass Rose Standard, whether it fits you or not. Quick facts: Open Season runs Nov 9 – Dec 14, 2026. Leaving FEHB: UHC Choice Primary West High and Choice Plus Primary West High (AZ, NV, OR, WA), four Health Net of California options, Independent Health Standard and HDHP (Western NY), and a regional Blue Care Network of Michigan High option. The UHC HDHP is also leaving 12 states, including the Phoenix and Tucson areas, Presbyterian (NM) is dropping 28 counties, and MHBP Value Consumer members are being moved to MHBP Standard. The average FEHB enrollee premium is up 10.9%. Find your enrollment code on your paystub or annuity statement and compare plans before Dec 14. New coverage starts Jan 10, 2027 (Jan 1 for retirees). Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com

Offered an early out or a buyout? Before you sign, know what VERA and VSIP actually cost you: a smaller pension for life, no FERS Supplement until your MRA, no COLA until 62, and a VSIP check that shrinks a lot after taxes. Quick facts: VERA = age 50 with 20 years or any age with 25. VSIP = the lesser of your severance formula or $25,000 (DoD included). Come back to federal work within 5 years and you repay it. To keep FEHB you generally need 5 years of continuous coverage; OPM has waived this for some VERA/VSIP takers, so check with your agency. If you're a federal employee within 5 years of retirement and want a plan built around your FERS benefits, book a free call to see if we're a fit: https://app.hawsfederaladvisors.com/whatservicemakessense Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com

The 2027 COLA gets announced this Wednesday, Oct 14. Here's how it's calculated, what we expect, who gets it (and who has to wait until 62), and why the FERS "diet COLA" lags inflation. Clarification: FERS retirees get the diet COLA (inflation under 2% = full match; 2-3% = flat 2%; over 3% = inflation minus 1). CSRS retirees get the full COLA, the same as Social Security. Estimates have been running about 3.3% to 3.5%; nothing is official until Oct 14. If you're a federal employee within 5 years of retirement and want a plan built around your FERS benefits, book a free call to see if we're a fit: https://app.hawsfederaladvisors.com/whatservicemakessense Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com

Federal employee within 12 months of retirement, or already retired, with $1 million+ invested? Book a free 15-minute Fit Call: https://app.hawsfederaladvisors.com/whatservicemakessense?utm_source=youtube&utm_medium=description We help federal employees and retirees get the most out of their benefits, keep more of their money, and build a plan to reduce taxes in retirement. The Fit Call is a short phone call to see if we can help. No pressure. A real (anonymized) federal retiree expected about $2,000 a month and keeps $476. That's 24 cents on the dollar. We walk through each deduction: full survivor benefit (10%), FEHB, dental/vision, life insurance and taxes. Then the 5 things to check on your own agency estimate. Educational only, not tax, investment, or legal advice. Haws Federal Advisors | HawsFederalAdvisors.com

OPM now caps the top two performance ratings (Levels 4 and 5) at 40% of employees per agency. Here's what that means for your rating, your award, and your RIF standing. Correction: around 1:29 I say a Level 3 rating gets at least about 3%. Under OPM's memo, 3% is the MAXIMUM award for Level 3, and it can be $0. Level 4 awards start at 4% and Level 5 at 7%. Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? If you're a federal employee within 5 years of retirement and want a plan built around your FERS benefits, book a free call to see if we're a fit: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book    Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense   I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book    Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense   I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book   Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense   I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.