ForYourBenefit Radio Program

Listen live to ForYourBenefit each Monday morning at 10:05 EST on 1500 AM in the Washington DC metro area or online at Or, if you prefer, listen on your own schedule -- all shows are archived and available 24/7.

ForYourBenefit is NITP’s weekly radio show which features information and discussion on topics of interest to the Federal employee, including Federal Benefits, financial and retirement planning, and other issues.

Guests and topics change weekly –In 2015, our guests will help you plan and navigate through retirement issues and concerns.

August 31, 2015
Strategies During Market Volatility

This week on For Your Benefit, join our host, Bob Leins and our team of Certified Financial Planners as they discuss the current state of the market.  Co-host John Elliott and guest John Jilek, Certified Financial Planner will have a roundtable discussion about the market and discuss strategies during times of turbulence.  “Hold the course” is difficult for some people.  What will calm their concerns?  How does one’s career status (beginning, mid, pre-retirement) during extreme volatility affect one’s reaction?

Discussion points will include:

  • What is market correction?
  • What do you do if you’re within five years of retirement?
  • The benefits versus the drawbacks of the L Fund in turbulent times
  • If the market drops x%, How long will it take to recover given various earning rates of returns?
  • Can someone who has been hurt by market volatility segment their investments so that if distributions are necessary and or required, that the distribution does not come from decreased values of stocks?

    For questions or comments, email us in advance at or call 202-465-3080 this coming Monday.  Program begins at 10:05 ET and questions are accepted between 10:20 AM and 10:55 AM.

August 24, 2015
Market Commentary, Second Quarter 2015

Back by popular demand!  We have received feedback on how informative and insightful this program was and in light of recent events this week, it’s timely to air it again.  Please tune in as Bob Leins and Dwayne Jackson, CPA, CFP and Principal at Rembert | Pendleton | Jackson, talk about the market for the second quarter of 2015, which was also featured in NITP’s monthly newsletter (July 2015 edition).

The second quarter investment returns were mixed across the broad asset classes.  Diversified portfolios, such as the “L Funds”, were up slightly thanks to strong returns in the international stock markets offsetting some of the losses in bonds and US small stocks.  Of course, the international markets have given some of those returns back in the first week of July due to the fall out of the Greek financial crisis.  For the year, the best description of the diversified investment markets is “stuck in neutral”.

Tune in as we discuss:

  • Current strengths and weaknesses in the U.S. stock market and commentary regarding these areas of strength and weakness
  • An overview of the international stock market
  • Interest rates and the Federal Reserve including two burning questions in the minds of investors: 
    • “What will happen to my portfolio if interest rates rise?”
    • “Should I change my fixed-income allocation because of the potential change in interest rates?”

This show was pre-recorded.  For questions or comments, email us at  The program begins at 10:05 ET.

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ForYourBenefit Radio Show
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