Since the summer of 2025, there has been a lot of discussion around the upcoming launch of the Trump accounts; the official name being the boring 530A accounts. The government will be gifting $1,000 to eligible children with not too many strings attached and we want federal employee to see how they can take advantage of this saving and investment opportunity In this episode, we • will cover key points pertaining to the Trump accounts. • How they compare to other saving tactics for children. • And wrap up with a quick pros and cons. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. 0:00 Intro 1:02 Why should we look at Trump Accounts 2:31 Plan details 4:10 Mechanics of investments 6:31 Comparing 529s to Trump Accounts 9:05 Other Considerations 10:54 Summary Resources on this topic: IRS Form 4547 https://www.irs.gov/pub/irs-pdf/f4547.pdf 530A accounts aka Trump Accounts https://trumpaccounts.gov/ Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ Would you like to know more? https://www.valorwealthpartners.com/ https://www.linkedin.com/in/smithec/ https://www.linkedin.com/company/valor-wealth-partners https://www.facebook.com/ValorWealthPartners

Mistakes on retirement applications for federal employees will delay receiving your full monthly annuity payments. To avoid mistakes, you first need to understand the process your retirement package needs to go through. In this episode we: • will review the common mistakes on federal retirement paperwork, • provide insight directly from OPM or the Office of Personnel Management, and • share guidance on how to reduce these delays Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. 0:00 Intro 1:28 Process Overview 5:04 Forms Needed 7:30 Common Mistakes 11:03 Summary of Key Points LINKS: Retirement Quick Guide https://www.opm.gov/retirement-center/quick-guide/ Planning To Retire Soon https://www.opm.gov/retirement-center/application-tips/ Retirement FAQs https://www.opm.gov/support/retirement/faq/applying-for-retirement-benefits/ OPM’s Retirement Modernization Process https://www.fedsmith.com/2025/05/06/opms-retirement-modernization-process-achieves-important-milestones/?utm_source=fedsmith-newsletter&utm_medium=email&utm_campaign=fedsmith-2025-05-08&utm_content=related-link Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ Would you like to know more? https://www.valorwealthpartners.com/ https://www.linkedin.com/in/smithec/ https://www.linkedin.com/company/valor-wealth-partners https://www.facebook.com/ValorWealthPartners

I would not wish this on anyone but imagine a scenario where you, as a federal employee, are not fully eligible to retire and you received a RIF notice! If you are eligible, as much as it is a tough situation, at least you can receive your pension with no penalties and keep your benefits. For those, who do not, it can be a much tougher option in many ways. In this episode, we • Will discuss how the RIF might impact you if are past MRA or not. • What options do you have for your TSP depending on age. • Offer some specific action items that you can be doing now in case you are faced with this option. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. Chapters: 0:57 WHY IS MRA IMPORTANT IN A RIF? 2:25 PAST MRA AND GETTING A RIF 4:12 RIF BEFORE REACHING MRA 5:10 IMPACT TO TSP 7:02 FEHB OPTIONS 8:18 ACTION ITEMS Referenced Links: DRP Video: https://www.youtube.com/watch?v=voMxUBDixu4 FERS MRA Chart: https://plan-your-federal-retirement.com/fers-mra/ Severance Calculator: https://valorwealthpartners.app.box.com/file/1782243517500?s=0l4qv6tpg20arxzyyxhptrj2mufjsnnq Postponed vs. Deferred Retirement: https://www.fedsmith.com/2025/03/18/postponed-and-deferred-retirement-are-not-the-same/ SEPP Calculator: https://www.calcxml.com/calculators/72t?skn= - results Federal employees and their spouses are invited to complimentary educational workshops covering their federal benefits. For details, visit: https://fedimpact.com/VWP Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ Would you like to know more? https://www.valorwealthpartners.com/ https://www.linkedin.com/company/valor-wealth-partners https://www.facebook.com/ValorWealthPartners