Basic, A, B, C… it might sound like alphabet soup, but when it comes to federal life insurance, these options can make or break your retirement legacy. In this information-packed episode, Rayna Reyes breaks down the key components of FEGLI and offers practical advice on what to keep, what to consider, and how to make sure your loved ones are protected for life—without overpaying. She also shares her family’s firsthand experience with a living benefits policy that helped them during a cancer diagnosis. Federal life insurance doesn’t have to be confusing—this episode makes it make sense.

Contact Rayna today: 850-450-6500 or AmericanFederal.org

Rayna Reyes is back with a big sigh of relief and a message of gratitude after the signing of the long-anticipated federal bill. In this heartfelt and informative episode, she breaks down what’s not changing for federal employees—no “high-five,” the pension supplement is safe, and your high-three calculations remain intact.

But Rayna goes beyond the headlines. She reminds federal workers to appreciate the rare benefits they have—like a guaranteed pension and Social Security income—especially in comparison to private sector workers and people in other countries. It’s a real talk moment about gratitude, income planning, and why now’s the time to reevaluate your spouse’s income options if they don’t have a pension.

Rayna also shares stories, insights, and even a little Alanis Morissette as she encourages you to keep perspective and take inventory of all that’s good. It's your post-bill-signature pep talk with practical steps to secure your family’s financial future.

Need help with your federal benefit options? Call 850-450-6500 or visit AmericanFederal.com

If the Thrift Savings Plan (TSP) had a soundtrack, it might just be “My Heart Will Go On”. In this fun and informative episode of Rayna Retirement, Rayna Reyes breaks down the misunderstood world of TSP L Funds—and what they can do for you.

What does the "L" in L Fund actually mean?
How does your investment mix shift automatically as you approach retirement?
Are you one of the many federal employees getting a letter saying your L 2025 fund is changing?
Should you stay put or make a move?

Rayna also shares how to visually choose the fund that best matches your goals—and why picking an L Fund might be the easiest decision you’ll ever make (especially if market-watching isn’t your thing).

Plus: The myth of “G for Good,” the truth about TSP fees, and how lifecycle funds can help you stop stressing and start planning.

Need help with your TSP, L Funds, or rollover options? Call 850-450-6500 or visit AmericanFederal.com

—

Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or 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.

“There are things you know. Things you know you don’t know. And things you don’t know you don’t know.”

In this rich, relatable, and sometimes hilarious episode of Rayna Retirement, federal retirement specialist Rayna Reyes breaks down everything you didn’t know you didn’t know about the Thrift Savings Plan (TSP)—especially the difference between Traditional and Roth contributions.

With a metaphor involving coffee, creamer, water, and oil (yes, really), Rayna explains:

☕ What You’ll Learn:

• The biggest misconceptions federal employees have about TSP matches
• Why Uncle Sam’s “dad tax” could reduce your retirement income if you don’t plan ahead
• The power of the Roth TSP—and how it’s like making your brownies with oil instead of water
• Who should be thinking about starting a Roth (Hint: it’s not just “young whippersnappers”)
• What to expect when in-plan Roth conversions become available in 2026
• The difference between Roth contributions and Roth conversions—and why it matters

Whether you’re 35, 55, or 75, Rayna offers clear insights and real-life reasons for when a Roth makes sense—and when it might not. Plus, she gives you the exact questions to ask yourself (and your financial advisor) before making any big decisions about your TSP.

Ready to talk about your TSP strategy?

Text Rayna directly at 850-450-6500 for a quick response and customized answers.

Because federal retirement isn’t just about knowing the rules—it’s about knowing your rules.

—

Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or 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.

• How conditions like diabetes and high blood pressure impact your vision
• The 20-20-20 rule to reduce screen strain
• What foods support healthy eyes
• The surprising connection between exercise and eye health
• When and how often you should get a complete eye exam
• Why early detection is critical—even if you feel fine
• What those of us over 40 () need to keep in mind after LASIK or other vision corrections

—

Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or visit AmericanFederal.org.

YouTube: https://www.youtube.c...

Are you a federal law enforcement officer, firefighter, air traffic controller, or other “special category” employee? If so, your retirement benefits come with very different rules—and better perks. In this episode of Rayna Retirement, we break down the unique FERS retirement system for Leos (law enforcement officers) and other special category feds.

You’ll learn:

• ✅ How your FERS pension is calculated (hint: 1.7% is magical)
• ✅ When you can retire early (age 50 with 20 years, or earlier with 25)
• ✅ How the supplement works—and when the earnings test kicks in
• ✅ Big updates to TSP withdrawal rules under SECURE Act 2.0
• ✅ Why your retirement income plan needs to include tax strategy

Whether you’re in uniform or behind the scenes, this episode is your roadmap to retirement with clarity and confidence.

—

Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or 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.

In this episode, Rayna Reyes tackles the potential increases in FERS pension contributions and what they mean for federal employees planning for retirement. Using her signature “Gatorade” analogy, she simplifies complex retirement concepts and helps you understand how your pension, Social Security, and TSP work together to build your future. If you’ve ever been confused by the numbers on your pay stub—or worried about upcoming legislative changes—this one’s for you.

Got questions? Call Rayna at (850) 450-6500 or visit AmericanFederal.org to connect with her team.

—

Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or 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.

In this bonus episode, we dive into the importance of tackling credit card debt before it spirals out of control. You'll hear insights from Robin Growley of Bank of America, who shares practical tips and a message of hope for anyone feeling overwhelmed by debt. Whether you're just starting to manage your finances or already feeling buried, this interview reminds us it’s never too late to take control.

—

Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or 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.