For Your Benefit

By Federal News Network | Hubbard Radio

Listen to a podcast, please open Podcast Republic app. Available on Google Play Store.


Category: Government

Open in Apple Podcasts


Open RSS feed


Open Website


Rate for this podcast

Subscribers: 23
Reviews: 0

Description

Host Bob Leins and presenters from NITP, Inc., the national leader in Federal retirement planning seminars, present topics of interest to the Federal community including Federal benefits, Social Security, financial planning, TSP and estate planning.

Episode Date
5 Things You Can Do to Ease Your Transition to Retirement
00:52:29
January 10, 2022 on ForYourBenefit, host Bob Leins, CPA® welcomes Herb Casey, Federal Benefits Specialist. “Retirement is a time to experience a fulfilling life derived from many enjoyable and rewarding activities.” – Ernie Zelinski What lifestyle do you want in retirement? As you prepare for that glorious event, think of those emotional and personal factors that will bring retirement happiness to you. Determine which activities you enjoy, activities to eliminate, and activities that you feel are important to you. Sure, most of you have been focused on financial readiness but it is equally important to look at the social, emotional and lifestyle issues which facilitate a healthier adjustment process. What’s your vision of retirement? What are those activities you enjoy and want to include in your retirement transition? How can you anticipate and rehearse your future vision? What social relationships will you have? How will you spend your leisure time? For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Jan 10, 2022
Starting the Year on the Right Financial Foot
00:48:40
January 3, 2022 on ForYourBenefit, host Bob Leins, CPA® welcomes Karen Schaeffer, CFP®. Looking to avoid financial missteps and getting a great start to the New Year? Join Karen Schaeffer, CFP®, and learn how to: Maximize your TSP Take advantage of HSAs Protect your wealth with an Umbrella Policy Rethink your mortgage Give a warm and generous hand, and other smart financial strategies For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Jan 03, 2022
Year-End Financial Review
00:52:31
December 27, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Brian Kurrus, CFP®. As the year comes to a close it is a good time to review your finances. Today’s discussion will focus on: Year-end tax strategies Retirement contributions Reviewing your budget Setting financial goals for the new year Rebalancing investment accounts For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Dec 27, 2021
Changes in the Tax Law – What to Know for 2022
00:53:01
December 20 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Tom O’Rourke, Esquire.  Today’s program will focus on tax updates including: Changes in the tax law that will become affective in 2022 Changes currently pending in Congress Steps individuals may take by year end to reduce their 2021 taxes Income tax questions from our webinars For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Dec 20, 2021
The Importance of Life Insurance – Securing Your Family’s Future
00:52:29
December 13, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes WAEPA Senior Vice Presidents Tony Zerante and Stephanie Baker. When making a New Year’s resolution to be healthier and more active in 2022, you might already know what type of gym package or exercise equipment you want to purchase. But do you know what type of life insurance coverage your family needs? Are you covered in the event of a short-term disability? A new year brings new opportunity, and WAEPA’s leadership will offer advice on using this opportunity to gain the peace of mind that your family’s future is secure. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Dec 13, 2021
2021 Federal Benefits Wrap-Up
00:48:59
December 6, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Phil Gardner, Federal Benefits Specialist.  Today’s discussion will focus on recapping changes thus far in 2021 and what is ahead in the coming year.  There is good news and not so good news. FEGLI rate increases FEHB and Medicare rate increases on the horizon Near record COLA increases for CSRS, FERS and Social Security End of year retirement surge processing Covid relief extended deadlines for FSA reimbursement There is still time to make Open Season changes For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Dec 06, 2021
Social Security Rules for 2022
00:52:24
November 29, 2021 on ForYourBenefit, our hosts Bob Leins, CPA®, and Tammy Flanagan, Senior Benefits Director NITP, welcome Mary Beth Franklin, Certified Financial Planner®, Contributing Editor for InvestmentNews, and President of RetirePro. Tune in for relevant information about your Social Security retirement benefit. During the broadcast you will learn the answers to some of the big questions you may have about Social Security such as: How does the solvency of the Social Security Trust Fund impact your future? Learn about the 2022 numbers that are going to impact your Social Security benefits. Covid-19 and Social Security. Why 2020 is no longer “a bad year to turn 60”. Does Social Security pay retroactive benefits? When does it make sense to delay claiming Social Security benefits? When can Social Security benefits be suspended? Why is it important to have a MySocial Security account? The new and improved Social Security benefits statement. Are Social Security benefits subject to income tax? Who is eligible to receive Social Security benefits based on my work record? For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Nov 29, 2021
Positive Steps Towards a Healthy Lifestyle
00:52:29
November 22, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Patti Hudson, Lifetime Health and Fitness Expert. Health is a state of complete physical, mental, and social well-being, not merely the absence of disease or infirmity. Presence of total well-being is defined as a balance between body, mind, and spirit. This includes mindful stress reduction practices, a focus on work/life balance, implementation of healthy eating behaviors, creating an individualized and effective exercise program, and the importance of adequate optimal sleep. Tune in as Patti talks about finding ways to incorporate all of this and make it a less daunting task. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Nov 22, 2021
Take Time to Consider Your Options During Open Season
00:52:29
November 15, 2021 on ForYourBenefit, our hosts Bob Leins, CPA®, and Tammy Flanagan, Senior Benefits Director NITP, will talk about Open Season. Segment 1:  Things that everyone should do during Open Season: Review your current year's out-of-pocket medical expenses Check the plan brochure for your current plan for 2022:  How your plan is changing, 2022 premiums, and summary of benefits (links to these three topics are on the cover of every plan brochure) Consider dental and vision plans to supplement FEHB choice Employees elect an allotment for HCFSA, LEXFSA, and DCFSA as needed for tax savings Segment 2:  What to consider during Open Season if you are employed: Employees who are younger and in good health Employees who are higher salaried may want to consider a HDHP What is the difference in a consumer driven health plan vs. a traditional fee-for service plan with a PPO? Beware of PPO plans that don't cover out-of-network benefits (BC/BS Basic, GEHA Elevate Plus) and have no deductible When does a high option plan make sense? Segment 3:  Questions for retirees to consider: How do FEHB and Medicare work together? Do you need both? What is IRMAA? What if you have Tricare? What if one spouse is younger than 65 or there are children who are covered on your plan? What are good choices for retirees with Medicare A & B? What should Federal couples consider? What are good options for retirees who are over age 65 and chose not to enroll in Medicare Part B? For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Nov 15, 2021
The Consumers’ CHECKBOOK Guide and FEHBP Open Season with Walton Francis
00:52:36
November 8, 2021 on ForYourBenefit, our hosts Bob Leins, CPA®, and Tammy Flanagan, Senior Benefits Director NITP, welcome insurance expert and author Walton Francis to talk about FEHBP Open Season. The Consumers’ CHECKBOOK Guide shows that most families can save $2,000 or more by selecting better plan choices. Francis is the principal author of both online and print versions of Consumers’ CHECKBOOK Guide to Health Plans for Federal Employees. The Guide gives you vital insurance information that you cannot get from any other source. It tells you how much money you can save by changing – or by staying in – your health insurance plan, and summarizes thousands of facts about the plans to simplify your choice. At the Guide’s website, www.guidetohealthplans.org, you can check to see if your agency has purchased access to the Guide for you. It rates about 275 health insurance plans available to all Federal employees and retirees, including twenty national plans, over 200 health maintenance organization (HMO) and preferred provider (PPO) local area options, and over a dozen consumer-driven and high deductible plan options. The Guide rates not only regular insurance plans open to both employees and annuitants, but also about 20 plans open only to annuitants on Medicare that provide special Medicare benefits, pay most or all of the Part B premium, or both. Its ratings of plan costs take into account premiums, catastrophic limits, and estimates of likely out-of-pocket costs for medical expenses of every kind. The Guide compares plans for insurance value in dealing with unforeseen medical expenses, not just for the routine costs you can predict. It rates dental and vision plans as well. It provides dollar estimates of likely dental costs, taking into account both premiums and out-of-pocket expenses. It compares dental coverage in all plans, not just stand alone plans. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Nov 08, 2021
Resources for Federal Open Season
00:52:31
November 1, 2021 on ForYourBenefit, host Bob Leins, CPA® and co-host Ray Kirk, Ph.D., Federal Benefits Specialist, NITP, welcome Jay Fritz, Program Manager, Outreach & Program Services, Healthcare and Insurance, U.S. Office of Personnel Management. It is that time of year again for employees and annuitants to review their Open Season options, which include health plans, dental and vision plan companies, FSAs, etc. Today’s discussion will include: Federal Open Season:  November 8 – December 13, 2021 What programs participate in Open Season? How can I prioritize my Open Season shopping list? What options do I have? What if I do nothing? Resources for further information: Visit opm.gov/openseason Find us on Facebook at facebook.com/usopm For Twitter News and Updates: https://twitter.com/usopm See your Human Resources Office How do I make an Open Season election or change? Flexible spending accounts under FSAFEDS (employees only): FSAFEDS.com or call 1-877-FSAFEDS (372-3337) or TTY 1-866-353-8058. Dental or vision under FEDVIP:  Everyone – go to BENEFEDS.com or call 1-877-888-3337, TTY 1-877-889-5680. FEHB: Employees - use the Health Benefits Election Form (SF 2809) or use an online self-service system; your agency’s human resources office can help you.  Retirees - go to Open Season Online at https://retireefehb.opm.gov or call Open Season Express at 1-800-332-9798, TTY 1-855-887-4957. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Nov 01, 2021
FEHB Open Season: How to Get the Most Out of the Plan You Choose
00:52:29
October 25, 2021 on ForYourBenefit, host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, Inc. welcome back Paula S. Jakub, RHU; CEO at The American Foreign Service Protective Association, sponsor of the Foreign Service Benefit Plan. Today’s topic will focus on things to consider during Federal Open Season and how to get the most out of the health plan you choose. Paula is a Subject Matter Expert in Federal Health Insurance and serves on the adjunct faculty of the Foreign Service Institute. Paula will discuss: FEHB PROGRAM Impact of COVID-19 No Surprises Act – What it means for you Understanding the programs and services available to you Collaboration on chronic conditions Using the Plan’s Wellness Programs Consider how you use health care What will Open Season look like this year? FEDVIP Make sure you understand these supplemental plans FSAFEDS Pre-tax reimbursement for eligible costs What is an eligible cost? Rules on carryover amounts Send in a question: Email us in advance at ForYourBenefit@nitpinc.com
Oct 25, 2021
Reviewing Your TSP Options
00:52:29
October 18, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Brian Kurrus, CFP® What are the individual TSP fund options and how much risk do they take? What are the Lifecycle funds? How are they allocated? How do the allocations change over time? TSP investment options: What’s new? How should you invest your TSP and when should you consider making changes? What are common TSP investment mistakes and how can they be avoided? Send in a question: Email us in advance at ForYourBenefit@nitpinc.com
Oct 18, 2021
Proposed Tax Legislation – How It Might Affect You
00:52:49
October 4, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes David De Jong and Steve Widdes, tax and estate attorneys, Stein Sperling Bennett De Jong Driscoll PC. Congress is once again considering significant tax legislation that would affect ordinary income tax rates, capital gain rates, retirement plans and estate planning. While much of the proposed increases would affect upper income individuals, many of the provisions would have broader effect. Tax and estate attorneys, David De Jong and Steve Widdes, of the Rockville law firm of Stein Sperling will review the prospective changes, the rationale behind them and any planning opportunities that may be created. Send in a question: Email us in advance at ForYourBenefit@nitpinc.com
Oct 04, 2021
The Importance of Public Service
00:52:32
September 27, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes WAEPA CEO M. Shane Canfield and WAEPA CIO Brandon T. Jones. As the country continues to battle the pandemic, the importance of Federal service and Federal leadership have never been more important. But how do we inspire the next generation of civilian Federal employees to answer the call to action? WAEPA’s leadership will discuss the future of the Federal workforce, the challenges that workforce will face, and the skills necessary to meet those challenges head on. Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Sep 27, 2021
Revocable Living Trusts
00:52:32
September 20, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Anne Sullivan, Esq. and Lacey Yegen, Esq.  This is a common topic, but one that people ask a lot of questions about.  Today’s program plans to address: Types of trusts Revocable living trusts explained Advantages and drawbacks of having a revocable living trust Are you the right candidate for a revocable living trust? Whether to get a joint or separate revocable living trust Retitling assets to the living trust What a revocable living trust will not do for you (asset protection and Medicaid planning) Common questions and pitfalls to avoid (e.g., refinancing home in trust; how to amend/revoke a living trust; what happens if the trust is not funded; accidentally making a revocable living trust a beneficiary of a tax-deferred retirement account) How trust administration works after death. Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Sep 20, 2021
Medicare and FEHB
00:52:29
September 13, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes David Santana, Health Insurance Specialist from the Centers for Medicare and Medicaid Services, to discuss your health care coverage options. This is the time of year to ensure that you have the right health, dental or vision insurance coverage for you and your family. It is also the time to consider other health care coverage options, such as Medicare. Did you know that FEHB Open Season and Medicare Open Enrollment are not the same? Some of the topics for this program include: The difference between FEHB Open Season and Medicare enrollment periods When you can enroll in Medicare and Medicare Health Plans How Medicare works with FEHB—who pays first? Do my FEHB premiums change when Medicare pays first (is primary)? Do I have to enroll in Medicare? How about Medicare Health Plans (Medicare Advantage Plans) How much does Medicare cost? Is there premium assistance for Medicare Part B? Which part of Medicare do I need? How do I enroll in Medicare? 2021 FEHB Open Season is from November 8, 2021 through December 13, 2021. Send in a question: Email us in advance at ForYourBenefit@nitpinc.com
Sep 13, 2021
Social Security FAQs and Accessing Services During the Pandemic
00:52:30
August 30, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes David Melton, Public Affairs Specialist, Social Security Administration.  David will answer these questions and also provide an update on accessing SSA services during the pandemic. When am I eligible? How much will I receive? What If I still work? Does my government pension affect Social Security benefits? How do I apply for benefits? How do I access services now? Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Aug 30, 2021
Estate Planning Considerations: Delta Variant and Beyond
00:52:31
August 23, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Marc Levine, Esq., Handler & Levine, LLC. As the country sees a possible repeat of Covid slowdowns and shut downs, host Bob Leins welcomes Marc S. Levine, Esq., to discuss how to think about your estate planning.  Marc will discuss what he wishes clients had been thinking about in the winter of 2019-2020, pre-Covid-19, and what you can and should be doing now. Today’s guest will talk about: The practical application and uses of powers of attorney and health care directives, How important it is to review your current estate planning with a critical and practical eye, How to review and update beneficiary designations to make sure they will work with, and not against, the rest of your estate plan.   Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Aug 23, 2021
Retiring Early Under FERS: Could It Work for You?
00:52:31
August 16, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Bob Braunstein, Federal Benefits Specialist.  The FERS early retirement scenario is one of the lesser known but more flexible retirement options under FERS. Topics: What is the MRA + 10 Retirement Option and how do I qualify for it? How is this option different from other FERS retirements? What are the benefits? downsides? What is the age-reduction? Can it be avoided? What is the postponed retirement option under MRA +10? How does this differ from deferred retirement? Am I eligible for the FERS annuity supplement if I retire this way? Do I have other retirement options? Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Aug 16, 2021
Back to the Future: Federal Benefits Style
00:52:29
August 9, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Maureen Wilkin, Federal Benefits Specialist for a look back at her lifelong Federal career.  Maureen will talk about then and now and share her best stories serving in Federal benefits and HR for over 25 years, and retiring as a Federal Benefits Officer. From the dark ages of paper OPFs and handwritten retirement calculations, Maureen will discuss how far Federal processes have changed and progressed.   She will provide information on how employees can stay on track, avoid surprises, and be prepared before filing those retirement forms. Join Maureen for this walk down memory lane and tips for the future. Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Aug 09, 2021
Finance and Estate Planning Lessons from the Pandemic
00:52:31
August 2, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Karen Schaeffer, CFP® and Megan Schaeffer, Estate Planning Attorney.  Karen and Megan will talk about what financial planners and lawyers specializing in estate planning have learned from the pandemic. Planning for incapacity is as important as planning for death. Documents without conversation and conversation without documents is not enough. Emergencies happen, but planning for them works. The economy is not the stock market. Rental real estate requires a strong plan and strong temperament. Taking money from retirement plans is an expensive way to survive the pandemic. How to keep emotions from steering us to bad decisions. Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Aug 02, 2021
Checklist for Singles in Federal Service
00:52:30
July 26, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Michele Bollier, Federal Benefits Specialist. Michele is developing a checklist specifically for Federal employees who are single. This resource will be available soon at www.nitpinc.com. During today’s program, she will talk about some of the key items in the checklist: Why create a checklist for Singles? Federal benefits and Social Security – What to consider Create a reliable support team Planning for the future and after Federal service Send in a question: Email us in advance at ForYourBenefit@nitpinc.com
Jul 26, 2021
2021 Federal Benefits Update
00:52:29
July 19, 2021 on ForYourBenefit, host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, Inc. will talk about things that are going on in 2021. Predication of the largest COLA for retirees since 2012 (3.6%) and 2009 (5.8%) Employee pay raise of around 3% and the impact on retirement benefits Retirement processing delays and increased number of retirement cases in 2021 How will the end of telework in some agencies impact the end of year retirement cases? Postal reform, if passed, may impact their Federal Employees Health Benefits Legislation moving forward to ease or end the WEP and GPO Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Jul 19, 2021
Managing Stress for a More Balanced Life
00:52:18
July 12, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Patti Hudson, Life Coach and Health Educator. Stress Defined Negative and Positive Aspects of Stress How Mindset Affects Your Stressors Tips on Using Your Stressors to Your Advantage Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Jul 12, 2021
Don’t Let Your Investments Go On Vacation
00:51:31
June 28, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Justin Dean, CFP®. As we gain some space from the COVID-19 pandemic, Justin will share tips to help ensure your investments are working hard for you consistently even when you are away on summer travel. Know your destination Match goals with investments Invest for growth Check your progress Justin will also answer the question, “How should investors respond to inflation?” Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Jun 28, 2021
How the Pandemic Has Changed Career Transitions and Job Searching
00:52:29
June 21, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes today’s guests to talk about how the pandemic has changed career transitions and job searching. Sixteen months into the pandemic and many things have changed for those working in government, looking to transition from government, or already working in the private sector. Alison Bouwmeester, author of MISSION: CAREER TRANSITION – A Career Change Guide for Intelligence, Military, Foreign Affairs, National Security and Other Government Professionals, will share what she's seeing.  Alison will also discuss her personal transition from the Intelligence Community to the private sector and ultimately her role now as a Certified Career Coach. Kathy Lavinder, the founder and Executive Director of SI Placement, a niche recruiting firm, will offer her perspectives on the private sector as organizations confront return to office, remote work, employee morale and hiring and retention. Both Alison and Kathy have box seats to what the private sector is looking for, so it's sure to be a fascinating hour for anyone ready to transition or thinking about starting a job search. Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Jun 21, 2021
Back to the Office – What Does This Mean for Civilian Federal Employees
00:52:32
June 14, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes M. Shane Canfield, CEO; Stephanie Baker, Senior Vice President, Member Services; and Laurie Lee, Senior Vice President, Finance & Administration, WAEPA. After a full year of change, what can we expect as the country heads into a new normal with mask mandates being lifted and vaccinations being dispersed? WAEPA’s leadership discusses what this means for Civilian Federal Employees as cities continue to enter these new phases and are looking for ways to keep employees safe. Send in a question: Email us in advance at ForYourBenefit@nitpinc.com
Jun 14, 2021
Tax and Estate Planning Today – In Light of Proposed Legislation
00:52:29
June 7, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes David De Jong and Steve Widdes, tax and estate attorneys with Stein Sperling Bennett De Jong Driscoll PC. The Administration would extend the 2021 broadening of the child tax credit, dependent care credit and earned income credit beyond the current year. Final legislation, if enacted, may look a lot different than the proposal as Republicans and some “red state” Democrats oppose large portions; many Democrats from high taxing states will oppose any bill which fails to restore the full deduction for state and local taxes. The Administration is proposing an increase in ordinary income rates for those making over $400,000 per year as well as increases in capital gain and corporate tax rates. The Administration would limit the like kind exchanges of real estate where there is more than $500,000 in gain. The Administration would effectively limit the step-up in asset basis for larger estates upon death by taxing the built-in gain. Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Jun 07, 2021
Visualize Re-wire-ment as Your Next Adventure
00:51:03
May 24, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Bob Stacy.  Retirement is about new beginnings, reinvention, and the next chapter of life. How do you know it’s time? The question – To work or not to work MPS – What does this mean? Importance of social activities How to stay connected to others Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
May 24, 2021
Best Dates to Retire
00:52:29
May 17, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes co-host Tammy Flanagan, Senior Benefits Director at NITP, Inc., and Mike Causey, Senior Correspondent at Federal News Network. This topic has become more complicated for employees retiring under the three-tiered FERS retirement system that includes Social Security, the FERS Basic Benefit (government pension) and the Thrift Savings Plan. Today’s program will focus on the “best dates” to separate from Federal service under CSRS and FERS, and will also address the questions that are on many employee’s minds: Has the COVID-19 Pandemic impacted your plans to retire? Are you thinking about retiring sooner than later or are you staying on board longer? Learn how to prepare for delays in retirement processing that have occurred throughout the retirement planning process. How do you know it’s “time” for retirement? How do you choose the best date for you? What else should you do to prepare to retire? The discussion may also include the following related topics: What are the mental, financial, Federal benefits and tax preparations that need to be done before selecting your date? What are your plans for your life after retirement? Can you afford to be retired to age 99? Have you done your retirement tax planning? Do you understand the withholdings, reductions and computation of your CSRS and FERS retirement benefit? How do you select the best date to retire under FERS and CSRS? The last day of the month for FERS, CSRS and CSRS Offset optional retirements The first three days of the month for CSRS and CSRS Offset Why not any other day of the month? What about disability, early retirements and deferred retirements? What is so special about the end of the leave year? What happens to your leftover annual and sick leave at retirement? What about your Thrift Savings Plan? What is the best time to “turn on” your Social Security retirement? What if you are working past your full retirement age? Do you plan to work after you retire? Are you retiring under age 62? Will you receive a CSRS retirement benefit? Consider the Windfall Elimination Provision and the Government Pension Offset. Send in a question: Email us in advance at ForYourBenefit@nitpinc.com
May 17, 2021
Roth vs. Traditional IRA and TSP
00:52:30
May 10, 2021 on ForYourBenefit, host Bob Leins, CPA® and co-host John Elliott welcome John Jilek, CFP®. The Basics: Roth IRA vs. Traditional IRA The Advanced: Roth TSP vs. Pre-Tax TSP Potential and actual tax law changes that may affect your decisions The decision to not have some Roth money available in retirement could be a significant issue Impact of Secure Act on beneficiaries of retirement accounts Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
May 11, 2021
Law Enforcement Officer (LEO) FAQs
00:52:31
May 3, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Bob Braunstein, Federal Benefits Specialist. There are approximately 132,000 full-time Law Enforcement Officers in the Federal government. Today’s program is dedicated to answering questions for Law Enforcement Officers, Firefighters, and Air Traffic Controllers, such as: What kind of retirement qualifications must I meet? How will my benefits be calculated? Why is my retirement mandatory at age 57? If I do not want to retire at 57, do I have any options? If I have my 25 years of service (including the 20 qualifying special occupation years) before age 50, can I retire? Are there other benefits associated with these enhanced retirements? Are there any consequences to my retirement annuity if I come back to work for the government? I understand I qualify for a FERS annuity supplement and that the rules are different LEOs? Please explain what the differences are? How about cost of living adjustments? Once I retire, do I have to wait until I am 62 years of age to receive them? Can I retire from a non-LEO position and still get the special retirement formula? Send in a question: Email us in advance at ForYourBenefit@nitpinc.com
May 03, 2021
Retirement Cash Flow Planning
00:52:29
April 26, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Brian Kurrus, CFP®. What income will you need in retirement? Evaluating income sources. Which investments should you access first? How reliant will you be on your assets? How to plan for the unexpected. Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Apr 26, 2021
Goal Setting and the Importance of Time Horizons
00:52:30
April 19, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Joel Cundick, CFP®.  All good financial plans start with clear goals. What are the critical elements of a well-articulated goal? What are time horizons, and how are they appropriately incorporated into good planning? How can time horizons naturally point to appropriate investment strategies? How can Federal employees use time horizons to retirement to properly allocate their TSP accounts? Are rules of thumb the best way to evaluate where you stand on saving for retirement, or is there a better approach? Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Apr 19, 2021
TSP Update from the Experts
00:52:31
April 12, 2021 on ForYourBenefit, host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, Inc., welcome Kim Weaver, Director, External Affairs, and Jim Courtney, Director of the Office of Communications and Education, Federal Retirement Thrift Investment Board. Today’s discussion will focus on answering the following questions: The new L Funds went live last summer – how have participants responded? The TSP changed the way catch-up contributions are made.  What did you do and why? Congress passed the CARES Act last year.  What did the TSP do and did participants use those options? The country has been dealing with the pandemic for over a year now – did that impact the TSP or its participants? Stats!  How many participants receive the 5% match?  How many millionaires?  Average account balances? What were the administrative expenses for 2020? Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Apr 12, 2021
Kickoff to Financial Literacy Month
00:52:29
April 5, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Ray Kirk, Ph.D., Federal Benefits Specialist, for a discussion of financial literacy. The definition of financial literacy and the basic steps to becoming financially literate. The big gap in most financial literacy education. How to protect what you have. How understanding the concepts of financial literacy can save you taxes and increase your income. Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Apr 06, 2021
Understanding the Medicare Program
00:53:33
March 29, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Mr. David Santana from the Centers for Medicare and Medicaid Services. Understand your Medicare coverage choices to maximize your benefits Evaluate the cost of enrolling in Medicare and premium payments Summarize the choices to make an informed Medicare enrollment decision Social Security offices remain closed for in-person appointments—Find out the different ways to enroll in Medicare Send in a question: Email us in advance at ForYourBenefit@nitpinc.com
Mar 29, 2021
Social Security FAQs
00:52:29
March 22, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes David Melton, Public Affairs Specialist, Social Security Administration, to answer frequently asked questions. Are Social Security offices open? What are mySocialSecurity accounts? What should I do if I get a call claiming there is a problem with my Social Security number? What is the Social Security retirement age? When can I apply for Social Security? How much Social Security will I get? What are the Social Security wage limits for 2021? Send in a question:  Email us in advance at ForYourBenefit@nitpinc.com
Mar 22, 2021
Detoxing the Mind & Body for Healthier Living
00:52:29
March 15, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Kari Utz-Wolsky, Nutrition and Conditioning Specialist, CFT, SPN, SSC (ISSA). Feeling stressed and anxious?  Learn how a detox can improve your mental health too. Do you need a digital detox too? For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Mar 15, 2021
What Financial Planners Have Learned from the Pandemic
00:52:29
March 8, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Karen Schaeffer, CFP®. Topics include: Strategies for coping with reduced income Cautions about the Cares Act TSP missteps Making good decisions while stressed Embracing the pause For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Mar 08, 2021
The Life Insurance Coverage Gap
00:51:41
March 1, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Stephanie Baker, Senior Vice President, Member Services and Stacy Outlaw, Senior Vice President, Marketing at WAEPA. As the interview will take place on the first day of Women’s History Month, Stephanie and Stacy will discuss how women are consistently under-covered by a life insurance policy compared to men. Although women make up 47% of the workforce, nearly 40% of adult women have no life insurance. Among those who are insured, they only carry about a quarter of the coverage necessary for their needs. This coverage gap also extends to the amount of coverage an individual has, with many Civilian Feds not having enough life insurance coverage as part of their plan. These WAEPA leaders will also discuss some of the inequities and misconceptions found in life insurance and estate planning and highlight the importance of women seeking out their own policy. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Mar 01, 2021
Morbid Improbabilities: Planning for the Unexpected Lifetime Issues
00:52:39
February 22, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Marc Levine, Esquire, Handler & Levine, LLC. Using Powers of Attorney What Kinds of Powers Do You Need? Who Do You Pick? – Why Is That Not Obvious When Can Someone Use The POA? Health Care Directives – Getting Information Making Sure People Can Get the Information They Need Equipping Your Advocate – What the Directive Needs to Include Revocable Trusts Making Sure It is Set Up to Work While You Are Alive For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Feb 22, 2021
117th Congress
00:52:33
February 15, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Josh Huder, Ph.D., to discuss the 117th Congress.  Josh is a Senior Fellow at The Government Affairs Institute at Georgetown University, a non-profit organization dedicated to educating Federal employees about Congress and its operation. What can we expect from an evenly divided Congress? How and when will Congress pass COVID relief? Should we expect a normal budget process with unified Democratic control? For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Feb 15, 2021
Are You Ready to Retire?
00:53:31
February 8, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Herb Casey, Federal Benefits Specialist, to talk about how you can prepare for transitioning to life after your Federal career. Retirement readiness assessment: What will be your focus? What is your attitude towards retirement? How will you take care of your health and well-being? Where will you live? What community activities will you be involved with? What social relationships will you have? How will you spend your leisure time? How knowledgeable are you of your retirement benefits as a Federal employee? For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Feb 08, 2021
Income Tax Questions Answered
00:56:09
February 1, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Tom O’Rourke. It’s the beginning of tax season. Today’s program will focus on updates for this year and more. Is the 2020 Stimulus payment taxable? How much did 2020 Income Tax Rates increase over the 2019 rates? How is my 2020 Federal tax bracket determined and what does that mean to me? What are some of the tax savings opportunities offered by my Federal benefits package? Are there any tax savings opportunities that will be paid in 2021 that will impact my 2020 tax return? What are some of IRS’s audit “Red Flags”? What are some of President Biden’s Income tax proposals of general interest?
Feb 01, 2021
What’s New for Federal Employees and Retirees in 2021?
00:52:29
January 25, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Bob Braunstein, Federal Benefits Specialist. New health, dental and vision plans A major new TSP feature Increased pay for employees and retirees Temporary AL Carryover Increase for 2021 Extending Emergency Paid Sick Leave (COVID-19) And more For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Jan 25, 2021
What’s New for Federal Employees and Retirees in 2021?
00:52:32
January 25, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Bob Braunstein, Federal Benefits Specialist. New health, dental and vision plans A major new TSP feature Increased pay for employees and retirees Temporary AL Carryover Increase for 2021 Extending Emergency Paid Sick Leave (COVID-19) And more For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Jan 25, 2021
Changes to TSP for 2021 & CSRS Voluntary Contributions Program
00:56:15
January 18, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Tammy Flanagan, Senior Benefits Director at NITP, Inc. to talk about the changes to Thrift Savings Plan for 2021 and the Voluntary Contributions Program (VCP). Thrift Savings Plan The Big Change – reaching the elective deferral limit before the end of the year but continue to save, contributions will automatically continue toward the catch-up limit for those age 50 or older in 2021, even if you turn 50 by the end of the CY. For 2021, elective deferral limit remains unchanged at $19,500 and catch-up contributions remain at $6,500. What about contributions spilling over toward the catchup limit? Voluntary Contributions Program VCP available only to CSRS and CSRS-Offset employees. It allows such employees to contribute funds that can equal up to 10 percent of the total basic pay they have earned in Federal service toward their own retirement. CSRS employees who want to participate in this program must establish an account by completing an application to make voluntary contributions (no later than while their retirement application is being processed by OPM). Did you know that you can contribute up to 10% of your lifetime salary to a Roth IRA? Learn about the best kept secret of the Civil Service Retirement System, the Voluntary Contributions Program. Steps for putting the monies into other retirement investment vehicles, such as traditional and Roth IRAs. The VCP is a way to enhance your retirement income. In OPM’s brochure “Retirement Facts 10,” the Civil Service Retirement System offers this explanation: “At retirement, each $100 in your voluntary contributions account (including interest earned) will provide an annual annuity of $7 a year, plus 20 cents for each full year you are over age 55 at the time you retire.” However, it is also possible to withdraw all voluntary contributions at any time before receiving this annuity. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Jan 18, 2021
How to Get the Most Out of Your Federal Health Plan
00:52:31
January 11, 2021 on ForYourBenefit, host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, Inc. welcome back Paula S. Jakub, RHU; CEO of The American Foreign Service Protective Association, sponsor of the Foreign Service Benefit Plan. Today’s guest will discuss benefits in your FEHB plan that you might not be aware of and how to get the most out of your Health Plan. Paula is a Subject Matter Expert in Federal Health Insurance and serves on the adjunct faculty of the Foreign Service Institute. FEHB Program Impact of COVID-19 on Healthcare and the FEHBP Understanding the Programs and Services Available to You Collaboration on Chronic Conditions Using the Plan’s Wellness Programs Medicare and FEHBP Update for 2021 For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Jan 11, 2021
Financial & Tax Planning for the New Year
00:52:32
January 4, 2021 on ForYourBenefit, host Bob Leins, CPA® welcomes Joe Sullender, CFP® to talk about starting 2021 with a focus on re-assessing your situation. Plans may have changed around retirement, the market has changed, how can you reassess and move forward in the new year? Today’s discussion will focus on: Setting Goals and “Risk Management” throughout each career phase (early, mid-career, pre-retirement) Impact of recent changes in Tax Law under the SECURE Act For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Jan 04, 2021
End of the Year Financial Wrap-Up
00:52:05
December 28, 2020 on ForYourBenefit, host Bob Leins, CPA® and co-host John Elliott, Federal Benefits Specialist, welcome John Jilek, CFP® to talk about end-of-year financial planning. Perfect vision is 20/20. Does the year 2020 have us seeing our finances through blurry lenses? Financial Planning in a time of international crisis has become fuzzy to say the least. There are many different tax and penalty waivers available to help individuals that have suffered either physically or financially from COVID-19. Some decisions are simple, others may have serious long term financial implications to your goals. What has changed? What hasn’t changed? What do we think 2021 holds in store for Federal Employees? For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Dec 28, 2020
Understanding Required Minimum Distributions
00:53:21
December 21, 2020 on ForYourBenefit, host Bob Leins, CPA® welcomes Brian Kurrus, CFP® to talk about Required Minimum Distributions (RMDs). What are RMDs and which accounts have them When and how to take the first RMD RMDs for this year How RMDs are calculated Safety of RMD withdrawal plan Inherited IRA options Impact on estate planning For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Dec 21, 2020
Protecting Feds’ Futures Outside of Open Season
00:52:31
December 14, 2020 on ForYourBenefit, host Bob Leins, CPA® welcomes M. Shane Canfield, CEO, and Stephanie Baker, Senior Vice President, Member Services, WAEPA. As Open Season ends, WAEPA would like Federal employees to know that it is never too late to start planning for the future. WAEPA works to serve Feds year-round. WAEPA Background Lessons from Open Season Life Insurance – A Unique and Necessary Product The WAEPA Difference Advancements in Technology Year-Round Application Process For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Dec 14, 2020
Wrapping Up Open Season and OPM Federal Retirement Stories
00:52:33
December 7, 2020 on ForYourBenefit, host Bob Leins, CPA® welcomes Ray Kirk, Ph.D., Federal Benefits Specialist, NITP, for a Federal Open Season wrap-up and insights about dealing with OPM. Wrap-Up Open Season “Takeaways” from the Open Season programs. Don’t ignore Open Season. Look at options. Mistakes people make focusing only on premiums and premium changes. Look at total cost and the benefits mix that best meets your needs. Importance of the plan network. How to make elections during Open Season and retire Dec 31. Insights from Ray about dealing with OPM Retirement application tips You are your own best advocate – Don’t be afraid to challenge an OPM decision. Keep OPM, Thrift Board and SSA informed of address and bank changes. In addition, Ray is looking forward to sharing some interesting retirement cases and the impact they have had. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Dec 07, 2020
Federal Open Season with Kaiser Permanente
00:52:34
November 30, 2020 on ForYourBenefit, host Bob Leins, CPA® and co-host Ray Kirk, Ph.D., Federal Benefits Specialist, NITP, welcome Gavin Toner, Manager, Account Management, Federal Employee Health Benefit Programs and Dr. Saima Siddiqui, Physician Advisor for MAPMG and Chief of Acute Care Services for DC and Suburban MD, Kaiser Permanente. If you’re like most Federal employees, you probably don’t shop around for a new health plan, even though your current plan may no longer fit your needs. The Office of Personnel Management consistently says 20–30% of Federal employees can and should be changing their plans. Don’t leave money on the table. Whether you’re just starting your Federal career, planning a family, or thinking about retirement, Kaiser Permanente’s comprehensive system brings your care, your health plan, top-notch physicians, convenient medical centers, and more together, delivering quality, affordable care. Listen in and discover how you can save significantly on your health care costs with Kaiser Permanente: $0 copays for maternity care, and $0 copays for pediatric primary care through age 17 for Standard Option $0 copay for telehealth benefits whether by video, phone, or online for all plan options New $150 Medicare Part B reimbursement for High Option members To find the plan that’s right for Federal members during Open Season, visit kp.org/feds. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Nov 30, 2020
Federal Open Season with U.S. Office of Personnel Management (USOPM)
00:52:25
November 23, 2020 on ForYourBenefit, host Bob Leins, CPA® and co-host Ray Kirk, Ph.D., Federal Benefits Specialist, NITP, welcome Jay Fritz, Program Manager, Program Support and Analysis, Healthcare and Insurance, U.S. Office of Personnel Management. It is that time of year again for employees and annuitants to review their Open Season options, which include health plans, dental and vision plan companies, FSAs, etc. Today’s discussion will include: Federal Open Season:  November 9 – December 14, 2020 What programs participate in Open Season? How can I prioritize my Open Season shopping list? What options do I have? What if I do nothing? Resources for further information: Visit opm.gov/openseason Find us on Facebook at facebook.com/usopm For Twitter News and Updates: https://twitter.com/usopm See your Human Resources Office How do I make an Open Season election or change? Flexible spending accounts under FSAFEDS (employees only): FSAFEDS.com or call 1-877-FSAFEDS (372-3337) or TTY 1-866-353-8058. Dental or vision under FEDVIP:  Everyone – go to BENEFEDS.com or call 1-877-888-3337, TTY 1-877-889-5680. FEHB: Employees - use the Health Benefits Election Form (SF 2809) or use an online self-service system; your agency’s human resources office can help you.  Retirees - go to Open Season Online at https://retireefehb.opm.gov or call Open Season Express at 1-800-332-9798, TTY 1-855-887-4957. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Nov 23, 2020
The Consumers’ Checkbook Guide and FEHBP Open Season with Walton Francis
00:52:29
November 16, 2020 on ForYourBenefit, our hosts Bob Leins, CPA®, and Tammy Flanagan, Senior Benefits Director NITP, welcome insurance expert and author Walton Francis to talk about FEHBP Open Season.  The CHECKBOOK’s Guide shows that most families can save $2,000 or more by selecting better plan choices. Francis is the principal author of both online and print versions of Consumers’ CHECKBOOK’s Guide to Health Plans for Federal Employees.  The Guide gives you vital insurance information that you cannot get from any other source.  It tells you how much money you can save by changing – or by staying in – your health insurance plan, and summarizes thousands of facts about the plans to simplify your choice. At the Guide’s website, www.guidetohealthplans.org, you can check to see if your agency has purchased access to the Guide for you. It rates all of over 250 health insurance plans available to Federal employees and retirees, including twenty national plans, over 200 health maintenance organization (HMO) and preferred provider (PPO) local area options, and over a dozen consumer-driven and high deductible plan options.  Its ratings of plan costs take into account premiums, catastrophic limits, and estimates of likely out-of-pocket costs for medical expenses of every kind. The Guide compares plans for insurance value in dealing with unforeseen medical expenses, not just for the routine costs you can predict. It rates dental and vision plans as well. It provides dollar estimates of likely dental costs, taking into account both premiums and out-of-pocket expenses, not just descriptions. It compares dental coverage in all plans, not just stand alone plans. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Nov 16, 2020
Federal Open Season with GEHA
00:52:27
November 9, 2020 on ForYourBenefit, host Bob Leins, CPA® and co-host Ray Kirk, Ph.D., Federal Benefits Specialist at NITP, welcome Brian Sperling, Senior Account Manager with GEHA (Government Employees Health Association, Inc.) Today’s discussion will include topics such as: Why it’s important to shop for health benefits this Open Season How to make smart decisions when reviewing your options GEHA’s health and well-being benefits and rewards programs Overview of GEHA’s five high-value medical plan options Today, GEHA is one of the largest national medical and dental plan providers serving Federal workers, covering more than 2 million Federal employees, retirees and their dependents. Learn more at GEHA.com For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Nov 09, 2020
Federal Open Season with VSP Vision Care and Dominion National Dental
00:52:29
November 2, 2020 on ForYourBenefit, host Bob Leins, CPA® and co-host Ray Kirk, Ph.D., Federal Benefits Specialist, NITP, welcome Dan Morgan, General Manager for Commercial Markets and Federal Programs at VSP Vision Care, and Mike Davis, President and Chief Operating Officer, Dominion National Dental. The first half of the program will feature Dan Morgan. VSP Vision Care is the only national not-for-profit vision benefits company, which provides access to eye care for nearly 90 million members through a network of over 40,000 doctors worldwide. The second half of the program will feature Mike Davis who will discuss Dominion’s innovative, high-value dental benefits offered in the Federal Employees Dental and Vision Insurance Program (FEDVIP). Dominion is the only Dental HMO plan offered in the FEDVIP program. VSP Vision Care: Information about VSP Vision Care The importance of vision insurance and an annual eye exam Details on VSP’s plan options for 2021 Visit ChooseVSP.com to review the VSP plan options and learn why you should enroll Dominion National Dental: No maximum dollar limits, waiting periods or deductibles Predictable, pre-determined fees for dental services An innovative Prevention Rewards Program that incentivizes members to get their two dental cleanings each year Orthodontics benefits provided for adults and children (no lifetime maximums) Discounts on teeth whitening and Invisalign Third annual cleaning provided at a reduced fee Rates starting at just $5.52 per bi-weekly pay period Plans available in DC, DE, MD, parts of NJ, PA and parts of VA Visit Dominion Dental Select For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Nov 02, 2020
Federal Open Season with Aetna
00:56:10
Host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, welcome Tom Bernatavitz, Vice-President of Aetna Federal Plans to the studio. Aetna offers a variety of FEHB plans, including plans for retirees that offer
Oct 26, 2020
FEHB Open Season: How to get the most out of the plan you choose
00:56:10
Host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, Inc. welcome back Paula S. Jakub, RHU; CEO of The American Foreign Service Protective Association, sponsor of the Foreign Service Benefit Plan.
Oct 19, 2020
Tax guidance for federal employees
00:56:11
Host Bob Leins, CPA® welcomes Tom O’Rourke, Esquire, Miles & Stockbridge, PC. Perhaps the most common question I get when I teach a seminar is what steps can I take to reduce my income tax liability and stay out of trouble with the IRS. The first step for any Federal employee is to look at your Federal benefits package as a tool to help you reduce taxes.
Oct 12, 2020
Taking your search online: How to use LinkedIn and Indeed for maximum benefit and successful outcomes
00:56:10
Host Bob Leins, CPA® welcomes Kathy Lavinder, Founder of Security & Investigative Placement Consultants, a niche executive search firm.
Oct 05, 2020
Understanding the Medicare program
00:56:11
Host Bob Leins welcomes to the studio, Mr. David Santana from the Centers for Medicare and Medicaid Services.
Sep 28, 2020
The importance of a healthy lifestyle for boosting your immune system
00:56:11
Host Bob Leins, CPA® welcomes Kari Utz-Wolsky, Nutrition and Conditioning Specialist, CFT, SPN, SSC (ISSA). 2020 certainly hasn’t been a typical year. Whether you are finding that you have more time and energy to focus on your health, or less, tune in for realistic tips on staying healthy through the fall season.
Sep 21, 2020
What to Know About Life Insurance – During the Pandemic and Beyond
00:56:17
Host Bob Leins, CPA® welcomes M. Shane Canfield, CEO, WAEPA, and Scott Berlin, Senior Vice President of the Group Membership Association Division at New York Life Insurance Company.
Sep 14, 2020
Getting to Go: Focus Points for a Federal Retirement
00:52:14
Host Bob Leins, CPA® welcomes Maureen Wilkin, Federal Benefits Specialist. 
Aug 31, 2020
Estate Planning for Young and Adult Children
00:52:34
 Host Bob Leins, CPA® welcomes Anne Sullivan, Esq. and Lacey Yegen, Esq. for a discussion on estate planning as it relates to both young and adult children.
Aug 24, 2020
Keeping Your Financial and Estate Plan On Track During the Pandemic
00:56:15
Description: Host Bob Leins, CPA® welcomes Karen Schaeffer, CFP® and Megan Schaeffer, Estate Planning Attorney. • What everyone should know about the CARES Act • Coping strategies for reduced income • Today’s investment do’s and don’ts • Which documents are essential for all adults • How to talk about money up and down the family tree Out of concern for everyone’s safety, the host and guests will hold this discussion from remote locations. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Aug 17, 2020
Should I Consider Working Once I Retire?
00:52:34
Host Bob Leins, CPA® welcomes Mike Townshend, transition and aging authority and founder of Carpe Diem Coaching, to talk about whether or not to consider working after you retire.
Aug 10, 2020
Social Security: Where It’s Been, Where It is Now, Where It’s Going
00:52:29
Host Bob Leins, CPA® and co-host John Elliott welcome Lester Austin, Retired Senior Public Affairs Specialist with the Social Security Administration, to talk about where Social Security has been, where it is now, and where it’s going.
Aug 03, 2020
TSP & FSA Options During COVID-19
00:52:30
Host Bob Leins, CPA® welcomes Ray Kirk, Ph.D for a general discussion on Thrift Savings Account Plan (TSP), and Flexible Spending Account (FSA) options in the year 2020
Jul 27, 2020
Social Security Rules During the Pandemic
00:52:31
Host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, welcome Social Security and retirement planning expert Mary Beth Franklin, Certified Financial Planner®.  She is a Contributing Editor for InvestmentNews and President of RetirePro.
Jul 20, 2020
TSP Investing in Challenging Times
00:52:32
Host Bob Leins, CPA® welcomes John Jilek, CFP®to talk about: Should I change my TSP strategy based on recent market events? Is it a good idea to take advantage of withdrawals from my retirement account under the CARES Act with no penalty to pay off debt or buy a car? Should I defer my RMD from my TSP or IRA this year? Is it true that the RMD age is now 72? How will the stretch beneficiary payout affect my TSP beneficiaries?
Jul 13, 2020
Social Security Disability Benefits
00:56:15
Host Bob Leins, CPA® welcomes Bob Braunstein, Federal Benefits Specialist. Bob Braunstein will talk about what Social Security Disability Benefits are and how to qualify for them. • What is the difference between Social Security Income (SSI) and SSDI? • How is a Social Security disability benefit different from a retirement benefit? • Can I receive OPM disability retirement benefits at the same time I receive Social Security disability benefits? • Will receiving SSDI cancel out my Social Security retirement benefit? Out of concern for everyone’s safety, the host and guest will hold this discussion from remote locations. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Jul 06, 2020
Finding Employment Opportunity Amid a Challenging Landscape
00:52:34
Host Bob Leins, CPA® welcomes Kathy Lavinder, Founder of Security & Investigative Placement Consultants, a niche executive search firm.
Jun 29, 2020
The Future of Life Insurance is the Future of WAEPA
00:52:34
 Host Bob Leins, CPA® welcomes Shane Canfield, CEO, Worldwide Assurance for Employees of Public Agencies (WAEPA), Brandon Jones, CIO, and Stacy Outlaw, SVP of Marketing.
Jun 22, 2020
TSP Lifecycle Funds – Should You Make Changes Because of COVID-19
00:52:34
Host Bob Leins, CPA® welcomes Brian Kurrus, Certified Financial Planner®.
Jun 15, 2020
SECURE and CARES Acts: How They May Affect Your Retirement Plan
00:52:33
Host Bob Leins, CPA® welcomes David De Jong and Steve Widdes, tax and estate attorneys with Stein Sperling Bennett De Jong Driscoll PC.
Jun 08, 2020
Let’s Find Strength Together During COVID-19
00:52:35
Host Bob Leins, CPA® welcomes Kari Utz-Wolsky, (ISSA) CFT, SPN, SSC, Crossfit level 1; Nutrition & Conditioning Specialist. 
Jun 01, 2020
Best Dates to Retire
00:52:34
Host Bob Leins, CPA® welcomes Tammy Flanagan, Senior Benefits Director at NITP, Inc
May 18, 2020
Help! There's a Pandemic and I Have Not Done My Estate Planning
00:52:34
Host Bob Leins, CPA® welcomes Marc Levine, Esquire, Handler & Levine, LLC.
May 11, 2020
Impact of COVID-19 on Federal Retirement and Benefits
00:52:34
During the show Bob and Ray will discuss both the short term and long-term impacts of the COVID-19 pandemic on retirement planning and benefits.
May 04, 2020
Answering Your Financial Questions During COVID-19
00:52:34
Host Bob Leins, CPA® welcomes Joe Sullender, CFP®.  COVID-19 has generated many financial questions. 
Apr 27, 2020
Financial Do’s & Don’ts During a Pandemic
00:52:34
Host Bob Leins, CPA® welcomes Karen Schaeffer, CFP®.   Karen will talk about financial do’s and don’ts during a pandemic.  She will also discuss the personal financial planning provisions of the CARES Act and what they mean for your personal plan.
Apr 20, 2020
TSP Update from the Experts
00:52:34
Host Bob Leins, CPA® and co-host Ray Kirk, Ph.D., Federal Benefits Specialist, NITP, welcome Ravi Deo, Executive Director, and Kim Weaver, Director of External Affairs of the Federal Retirement Thrift Investment Board.
Apr 13, 2020
5 Principles of Long-Term Investing Resilience
00:52:34
Host Bob Leins, CPA® welcomes Justin Dean, Certified Financial Planner®.  It’s hard to stay calm when you’re bombarded by news about the economy and markets.  Anxiety about your portfolio can creep in, and before you know it, a media barrage may turn your anxiety into panic.  And if that’s not enough, investing has become more complex, pushing investors to take on more risk to achieve the same return of 10 or 20 years ago.
Apr 06, 2020
Assessing Your Retirement Readiness
00:52:33
Host Bob Leins, CPA® welcomes Herb Casey, Federal Benefits Specialist with NITP.
Mar 30, 2020
How to Get the Most Out of Your Federal Health Plan
00:52:34
Host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, Inc. welcome back Paula S. Jakub, RHU; CEO of The American Foreign Service Protective Association, sponsor of the Foreign Service Benefit Plan. Today’s guest will discuss benefits in your FEHB plan that you might not be aware of and how to get the most out of your Health Plan. Paula is a Subject Matter Expert in Federal Health Insurance and serves on the adjunct faculty of the Foreign Service Institute
Mar 23, 2020
Social Security – How It Works
00:52:33
Host Bob Leins, CPA® and co-host John Elliott, Federal Benefits Specialist, NITP, welcome Lester Austin, Retired Senior Public Affairs Specialist with the Social Security Administration.  Social Security is sometimes an overwhelming topic for Federal employees.  Today’s talk will explain it.
Mar 16, 2020
What It Means to Serve Federal Employees
00:52:34
Mar 09, 2020
Recent Tax Developments
00:52:34
Host Bob Leins, CPA® welcomes Tom O’Rourke, Esquire, Miles & Stockbridge, PC., to talk about recent changes in the tax law and in particular the Secure Act.
Mar 02, 2020
The 116th Congress
00:52:34
Host Bob Leins, CPA® welcomes Josh Huder, Ph.D., to the studio to discuss the 116th Congress. Josh is a Senior Fellow at The Government Affairs Institute at Georgetown University, a non-profit organization dedicated to educating Federal employees about Congress and its operation.
Feb 24, 2020
Transition to Re”wire”ment – Keeping Yourself Busy
00:56:14
Host Bob Leins, CPA® welcomes Bob Stacy, Transition Specialist. Retirement sounds so final, let’s think “re-wire-ment” instead. This is the next stage or chapter of life. It’s a time for new beginnings and reinvention of self (lifelong learning). How do you know it’s ‘time’ to retire? Do you have enough? Do you have enough to DO? Join Bob and Bob as they talk about 3 letters (M-P-S) to guide you in planning this next stage. Bob explains why leaving your job is not leaving your life. He is an active retiree and brings an abundance of great ideas for you to consider!
Feb 17, 2020
Saving for Retirement
00:52:34
Host Bob Leins, CPA® welcomes Dwayne Jackson, CFP® to talk about saving for retirement.
Feb 10, 2020
TSP or IRA, Traditional or Roth– What’s the Difference?
00:52:34
Traditional or Roth TSP? Traditional or Roth IRA? What is the difference? Which is best for you?
Feb 03, 2020
Estate Planning & The Secure Act – Feeling Insecure
00:52:34
Host Bob Leins, CPA® welcomes Marc Levine, Esquire, Handler & Levine, LLC.
Jan 27, 2020
TSP Options to Be Aware Of
00:52:34
Host Bob Leins, CPA® welcomes Joel Cundick, CFP®.
Jan 21, 2020
It’s a New Year – Are You Financially Fit?
00:53:04
Is your financial plan ready for the New Year?   Karen Schaeffer, CFP® will join Bob to discuss what you need to know about.
Jan 13, 2020
Post-Retirement Employment for Federal Employees
00:53:04
Host Bob Leins, CPA® welcomes Phil Gardner, Federal Benefits Specialist. Planning on working after retirement? We will discuss the effect of post-retirement employment, Federal or non- Federal on both retirement and Social Security benefits.
Jan 06, 2020
Evaluating Life Insurance Coverage Outside of Open Season
00:53:04
Dec 16, 2019
Understanding the Medicare Program
00:53:04
Host Bob Leins welcomes David Santana from the Centers for Medicare and Medicaid Services to the studio.
Sep 16, 2019
FERCCA Corrections
00:53:04
What would you do if you suddenly learned that your Federal retirement coverage is incorrect? You would probably want to know what your correct coverage should be and why the mistake happened. You would be interested in how and when the error will be corrected and what its financial impact will be.
Sep 09, 2019
Effects of Divorce on Federal Benefits
00:52:53
Host Bob Leins, CPA® welcomes Phil Gardner, Federal Benefits Specialist at NITP, Inc.
Aug 05, 2019
Special Federal Retirement Categories
00:53:04
Host Bob Leins, CPA® welcomes Bob Braunstein, Federal Benefits Specialist, NITP.
Jul 29, 2019
Understanding Survivor Benefit Elections at Retirement
00:52:54
Host Bob Leins, CPA® welcomes Tammy Flanagan, Senior Benefits Director at NITP.
Jul 08, 2019
Roundtable: Overlap Between Federal Benefits, Finance and Tax Planning
00:52:57
Host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, welcome Joe Sullender, CFP® to discuss areas of overlap between finance planning, tax planning, and Federal benefits.
Jun 24, 2019
Medicare Fraud: How to Protect Yourself
00:52:55
Host Bob Leins, CPA® and co-host Bob Braunstein, Federal Benefits Specialist at NITP, welcome Theresa Brownson and Darnetta Bascomb, Senior Medicare Patrol Project, AARP Legal Counsel for the Elderly.
Mar 26, 2019
Estate Planning for Women
00:52:34
Host Bob Leins, CPA® welcomes Anne Sullivan, Esquire, and Lacey Yegen, Esquire of Handler & Levine, LLC. Our discussion will focus on factors that make Estate Planning for women unique. We will also describe the Estate Planning documents that every person needs and explain how planning can change over time based on your relationships and stage in life. • How Estate Planning is Different for Women • Evolution of a Plan - From Start to Finish • Single • Married or Partnered • Married or Partnered with Children and Single with Children • Divorced • Blended Families • Widowed For questions or comments, email us in advance at ForYourBenefit@nitpinc.com
Feb 04, 2019