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 2014, our guests will help you plan and navigate through retirement issues and concerns.

Financial Security?  Be aware, Be Concerned and Address it!

This week on For Your Benefit, our host, Bob Leins welcomes Dwayne Jackson, CPA, CFP and Principal at Rembert | Pendleton | Jackson into the studio to talk about planning for the future, financial tips and a plan of action. Among the discussion points we will address:

  • What is the most important goal for you and your family as you plan for the future?
  • What is the importance of cash flow and retirement projections?  If there is not enough cash flow for retirement, what options should be considered?
  • How to better your investment allocation?
  • How to decide if you should keep you funds in the TSP or transfer them to a Traditional IRA or another investment account?
  • Should your mortgage be fully paid before you retire and if so what source of funds will you use and what source should you not use?

This week’s broadcast is important at all stages of your Federal Career, newly hired, mid-career, or within 5 years of retirement. 

For questions or comments, email us in advance at or call in, once the phone lines are open, to 202-465-3080.

De-Stressing Your Life

This week on For Your Benefit, join our host, Bob Leins, as he and Patti Hudson share ideas on how to de-stress your life.

Stress is an inevitable feature of work and personal demands.  Distress does not have to be the inevitable consequence.  Stress can be managed.  It is also not inherently "bad".  Stress serves to stretch you towards personal goals and personal growth.  How you appraise the stressors in your life will be directly proportional to your stress level and can prove to be the difference between disease and wellness.  Recognizing stress triggers, creating a positive attitude, and accepting self-responsibility for the physical body are some tools for diffusing stressful situations.  Today, fast- paced lifestyles and rapid-fired changes dictate the need to understand ways that we can use stressful events to our advantage. This will serve to improve the quality of lives and enhance our health. 

  • Define stress 
  • Examples of “stressors”
  • Loss of control and change are the two greatest stressors
  • Behavior is subconsciously driven, what does this mean?
  • What is Mindfulness?
  • What is the connection between stress and mind set?
  • Work/life balance and your "should" list
  • Your sensible life plan

For questions or comments, email us in advance at or call in, once the phone lines are open, to 202-465-3080

Singles and Retirement

This week on For Your Benefit, join our host, Bob Leins,  and Michael Creedon, DSW,  discuss issues of interest to single retirees.  Michael has been involved with federal employees on retirement issues since 1979.  He regularly addresses retirement transition and the personal and family challenges that come with aging and retirement.

The leading edge of the Baby Boom is now 68.  Recent estimates indicate that more than 7 million Americans over age 65 are single. This number will rise rapidly in the years ahead as the Baby Boomers move into their later years.   Did you know that the average age of widowhood is currently in the low 60’s?   This program will discuss some of the challenges that face Single Retirees, and it will also focus on some of the opportunities that Retirement can bring to them:

  • The importance of having friends and family (and even pets) in retirement.
  • Have you developed an agenda for use of your time?
  • Do you have social support opportunities?  Are you engaged in community organizations?
  • Have you thought about a support system in the event of health challenges?
  • Are you able to say no to the demands of others?
  • How to cope with sudden loss of a spouse or companion.
  • Have you prepared a will, advance directive or living will?

For questions or comments, email us in advance at or call in, once the phone lines are open, to 202-465-3080.

Separating Federal Service Mid-Career

This week on For Your Benefit, join our host, Bob Leins, as he  and James Marshall, Federal Benefits Specialist, discuss important aspects of leaving your Federal Career when you are not eligible to retire. 

If you are planning to separate mid-career (before you meet the age and service requirements to be eligible for an Immediate Retirement), there are a few things you should consider regarding your Federal Benefits.  And if you choose to return to Federal Service at a later date some of these decision will impact your retirement options.

  • Severance Pay
  • Sick Leave
  • Annual Leave
  • Thrift Savings Plan
  • Federal Employees Health Benefits
  • Federal Employees Group Life Insurance
  • Federal Pension Rights
  • Voluntary Separation Incentive Pay (VSIP)
  • Survivor Benefits

If you have questions about leaving Federal Service Mid-Career, email us at or call into the show, once the phone lines are open, 202-465-3080.

JANUARY 5, 2015
Roth IRA Conversions 

Join the For Your Benefit hosts, Bob Leins and Tammy Flanagan, as they have their yearly discussion:

“A Practical Guide to Roth IRA Conversions”

Subjects will Include:

  • The Voluntary Contribution Program
    • What does it mean and how does it work?
  • Brief History of Traditional and Roth IRAs
  • Ability to “Contribute” Directly to Either Type of IRA
  • Transfer or Rollover to a ROTH IRA
  • Why considering doing this?

    There is an informative handout that accompanies this program available at the website.  Follow this link to the show listing and to download the handout.

    Click here to listen to the archived show.

    If you have questions are this, please email them in advance to or call into the show once the phone lines are open, 202-465-3080. However, given the subject there may be a time constraint.

Ringing out 2014 and Ringing in 2015

During the show we will reflect on past events of 2014 and how they affected your Federal Employment/ Retirement; AND we will look ahead to 2015.

Join Bob Leins and Tammy Flanagan as they reflect on 2014 and make projections for 2015 with FederalNewsRadio's own Mike Causey.

Some topics may include:

2014 Reflections:

  1. No news is good news... no big changes to retirement in 2014
  2. Retirees get a new FEHB option designed to work with Medicare
  3. Retirees look forward to faster retirement processing
  4. Last minute legislation passed by Congress and the impact on you - tax credits, tax breaks, energy credits 

2015 Projections:

  1. Is phased retirement really coming?
  2. New hires endure FERS FRAE and L Fund options
  3. Changes in the tax code for 2015, passed by Congress, and what it means to TSPs & IRAs
  4. NITP to offer more webinars for 2015 - Tammy and Bob will provide a preview!  

For questions or comments, email us in advance at or call in, once the phone lines are open, to 202-465-3080.

Retirement - An Opportunity to Re-invent Ourselves

This week on the For Your Benefit radio show, our host, Bob Leins, welcomes Mike Townshend, Career Transition Coach, as he discusses facing your retirement!  With the end of the year rapidly approaching, many Federal Employees are making plans to retire from Federal Service.  For those who are not planning to go immediately into another job, there will be some considerations for what to do in this phase of life.

  • What kinds of Activities are people choosing to pursue when they retire?
  • What do our pre-retirement hobbies tell us about what kinds of things we might pursue during retirement?
  • What are behavior styles and what do they tell us about the choices we ought to make in retirement?  How do I find out my style?
  • Why should people think this through before the retirement date?  Why not just wait until we're retired and see what happens?
  • What is the most useful thing that people need to assure for themselves when retiring, besides a sufficient income? 

If you have questions about your transition into retirement, email them in advance to or call in, once the phone lines are open to 202-465-3080.


Planning for Several Reasons

Join our host,  Bob Leins,  as he welcomes Bob Braunstein, Federal Benefits Specialist, to the studio. This show’s discussion will focus on year end planning and 2015 opportunities for income tax as well as benefit planning. Click here to download the handouts that go with today’s show. 

This will include discussions of:

  • Implications of frontloading your TSP in light of a mid-year retirement date
  • Understanding what your personal tax bracket is.
  • Opportunities to transfer funds to and from the TSP
  • The “mirroring” impact to you of withdrawing/transferring funds from the TSP when you have both a Traditional TSP and a Roth TSP.
  • What does the RMD rule mean to you in dollar amounts
  • Issues to be aware of in 2015 relative to your future benefits

Please be sure to go to our website to print slides and handouts we will use during today’s show.  (Please put a link here to download the handouts)

If you have question about your Federal Benefits or tax issues, please email them in advance to, or call in once the phone lines are open to 202-465-3080.

Click here for web links that provide useful information when listening to archived shows.


ForYourBenefit Radio Show
Click here for web links that provide useful information.

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