Advertise on podcast: FedSmart

Federal retirement comes with plenty of questions,especially when it comes to healthcare and the FERS supplement. In this FedSmart Podcast Q&A episode, Jesse Black andSteven Puckett discuss Medicare Part B for federal retirees, what federal employees need to know about keeping FEHB coverage in retirement, and when the earnings limit applies to the FERS retirement supplement. They also address common questions about the FEHB five-year rule, adding family members to your health plan, Medicare IRMAA brackets, and how special provision and early-out retirements can affect the supplementearnings limit.

What actually makes a federal retirement plan a great one? In this episode of the FedSmart Podcast, Jesse Black andSteven Puckett break down the key elements they believe federal employees should consider when preparing for retirement. They discuss retirement income from FERS, Social Security and the TSP, the importance of maintaining reservesfor inflation and unexpected expenses, and why retirement planning should go beyond the numbers. They also explore an often-overlooked question: What are youretiring to? Whether retirement is approaching or still several yearsaway, this episode offers practical considerations to help you think more intentionally about your income, lifestyle, goals and the kind of retirement you want to build.

Think your federal pension will cover retirement on its own?Jesse Black and Steven Puckett break down the biggest misconception they see after 22 years of helping federal employees retire: relying solely on your pension instead of building a real income strategy. Learn why the FERS systemdepends on a "three-legged stool" of pension, Social Security, and TSP, why your pension alone often can't keep up with inflation, and why "never touching your TSP" isn't the brag people think it is. Whether you're years from retirement or already there, this episode will help you start planning intentionally for the retirement you actually want.

In this FedSmart Q&A episode, Jesse Black and StevenPuckett answer three common federal retirement questions that many employees face as they approach retirement. They discuss how the Rule of 55 works with TSP withdrawals, what spouses need to keep FEHB health coverage after retirement, and whether federal employees still working at 65 need Medicare Part B. This episode delivers straightforward educational insight designed to help federal employees better understand key retirement decisions.

Jesse Black and Steven Puckett break down the updated TSPwithdrawal rules for federal employees in retirement. In this episode, they cover lump sum withdrawals, installment payments, TSP annuities, tax withholding considerations, and important details retirees should understand before accessing their retirement savings. Practical, easy-to-followinformation designed to help federal employees better understand how TSP withdrawals work in retirement.

In this FedSmart Q&A episode, Jesse Black and StevenPuckett answer three of the most common questions federal employees ask when planning for retirement. From Social Security earnings limits to Roth TSP misconceptions and the differences between postponing and deferring retirement,this episode breaks down key details that often create confusion. If you're approaching retirement or just trying to betterunderstand your options, this conversation offers practical clarity on decisions that can impact your long-term strategy.

Many federal employees spend decades saving and reparingfor retirement, only to enter it without a clear plan for how to actually use their money. In this episode, Jesse Black and Steven Puckett walk throughwhat they are seeing in real conversations with federal employees across the country. From underutilizing retirement savings to withdrawing too much too soon, they discuss how a lack of personalized planning often leads to missedopportunities or unnecessary risk. This conversation highlights the importance of understandinghow your pension, Social Security, and TSP work together, and why general advice is not enough when it comes to retirement decisions.

In this FedSmart podcast Q&A, Jesse Black and Steven Puckett answer three common questions from federal employees preparing for retirement. They explain how TSP withdrawals work, when the FERS supplement starts under an early retirement, and what documents federal employees should download before losing access to agency systems.

What does an ideal federal retirement actually look like,and how do today’s decisions shape tomorrow’s outcome? In this episode, Jesse Black and Steven Puckett explore thekey elements that often define a well structured federal retirement. They discuss how FERS employees think about income sources, timing, and long term planning, along with common gaps and overlooked considerations. This conversation is designed to help federal employees better understand the moving pieces that influence their retirement picture and the role preparation plays over time.

Federal employees are asking smart questions about retirement, and in this Q&A edition of the FedSmart Podcast, Jesse Black and Steven Puckett tackle the ones showing up the most right now. From whether AI can really be trusted for retirement planning, to updated earnings limits for those receiving the FERS supplement or Social Security, to common confusion around Roth conversions and RMDs, this episode breaks it all down clearly and practically. If you are approaching retirement or already there, this conversation helps clarify what matters and where to be careful.

Wondering how long federal retirement processes actuallytake? In this episode of the Fed Smart Podcast, Jesse Black and Steven Puckett break down the most common federal retirement timelines, from when to submit your paperwork to when you might see your leave payout, interim pension payments, and full retirement finalization. They also cover key timing tips for accessing your TSP, Social Security, and Medicare so you can plan with realistic expectations and fewer surprises.

In this episode of the FedSmart Podcast, Jesse Blackand Steven Puckett sit down with Nick Black to share the latest updates every federal employee should know heading into 2026. They cover real-time insights on OPM processing times, retirement paperwork, and an important new change coming to the Thrift Savings Plan (TSP) that federal employees have been waiting for. You’ll also hear practical advice about transitioning intoretirement, what to expect with VSIP and annual leave payouts, and key considerations for Roth conversions. Whether you’re nearing retirement or already enjoying it, this episode will help you stay informed, prepared, andconfident in your next steps.

Jesse Black and Steven Puckett break down the good, the badand the "maybes" of the brand new TSP changes happening starting January 2026! Everyone with a TSP will want to watch this, whether working or retired!

Most federal employees don’t realize their life insurance costs can skyrocket as they age. In this episode, Jesse Black and Steven Puckett sit down with Brandon Johnson, the Federal Life Insurance Guru,” to break down the Federal Employees’ Group Life Insurance (FEGLI) program. They explain what parts of FEGLI go up in cost, what stays flat, and how to identify when you might be overpaying or underinsured. Whether you’re in your 30s or approaching retirement, this conversation can help you better understand your benefits, avoid costly surprises, and make informed decisions about your coverage.

In this episode of the FedSmart Podcast, Jesse Black and Steven Puckett tackle the most common retirement questions federal employees ask. From knowing when you’re truly ready to retire, to what counts toward the Social Security earnings limit, to deciding when to take your benefits, this episode helps you think clearly about your timing, income, and long-term plan. Whether you’re planning ahead or preparing to retire soon, this episode will give you the clarity and confidence to take your next steps wisely.