
No Mulligans Allowed: Federal retirement choices you can't do over
Retirement may feel like the finish line, but some of the biggest federal retirement decisions need to be made well before you get there. On this episode of Fed Thread, Neil Cain, founder and CEO of Capital Financial Planners and lead trainer for RETFED, takes us through the choices that can become difficult—or impossible—to undo after a certain point. We talk through technicalities of TSP moves, FEHB and Medicare elections, survivor benefits, tax implications, Roth conversions, beneficiary decisions and what can happen when an unexpected separation from federal service changes your timeline. The underlying takeaway? Don't wait until retirement is right in front of you to start connecting the dots. For a quick-reference guide to some of the most consequential, time-bound rules impacting decisions you should make before leaving federal service, listen to the full Fed Thread episode. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.