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.

May 25, 2015
TSP Issues From the People Who Know!

This week on For Your Benefit, join Bob Leins and Tammy Flanagan as they welcome Greg Long, Executive Director, and Kim Weaver, Director of External Affairs, Federal Retirement Thrift Investment Board to the studio to re-play this show that originally aired on March 30, 2015.

With the discussion of using a loan from the G Fund to help fund the Federal deficit, TSP participants in our seminars and emails are confused as to what will happen to their investments.  Today’s discussion will include the process, which funds within the G fund are used, the interest rates paid on the “loan” and possible duration of the loan.   Additional topics for today’s show include:

  • Discussion of the House Budget proposal in Congress about resetting the interest rate paid on G Fund investments. 
  • TSP’s YouTube channel with attention, among other subjects, to awareness of being targets from unscrupulous financial “advisors”
  • One of the monthly distribution options from the TSP allows for a reset of the monthly distribution amount each December for the coming calendar year.  There was discussion that there could be two reset dates – one in December and one at the end of June.  What is the current status?
  • Will the TSP provide for State Income Tax to be withheld from distributions?
  • Is it possible that the “Mirroring Effect” will be softened or eliminated with regards to Roth TSP distributions and their impact on Traditional TSP distributions?  
  • What does the landscape look like for the “Mutual Fund Window” and other changes being discussed?
  • Is a TSP distribution choice that would allow specific distributions from specific funds under consideration?

Tune in for another chance to listen to this show.  This is a show that you won’t want to miss!

May 18, 2015
How Benefits, Financial and Tax Planning Coordinate with Each Other

This week on For Your Benefit, join our hosts, Bob Leins and John Elliott as they welcome John Jilek, Certified Financial Planner, to the studio.  Tune in to hear our team address these burning topics, or call in with a question of your own!

  • Tax brackets – what do they mean and how can yours be identified?
  • TSP distributions subject to your personal highest tax bracket
  • Lump sum no-no's for distributions to make large purchases in retirement
  • Strategies for retirement spending from TSP
  • Value vs. concern of having some money in Roth TSP
  • How you can prepare for increases or decreases in tax rates
  • Your tax rate in retirement vs. your beneficiaries’ rate(s).
  • Broad overview of estate considerations for taxation

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

May 11, 2015
Your Next Career: Transitioning from the Public Sector to the Private Sector

This week on For Your Benefit, join our hosts, Bob Leins and Tammy Flanagan as they welcome Executive Recruiter Kathy Lavinder to the studio.  Lavinder provides advice on how to leverage federal experience in the commercial sector.  She has been recruiting for security and investigative roles on behalf of private sector clients around the country and around the world for the past 15 years.  Here are some of the topics she will address:

  • How baby boomers leaving the federal government can best position themselves for a successful career transition.
  • How retiring federal workers can enhance their value proposition to private sector organizations.
  • Advantages and resources federal workers should leverage to land a job in the private sector.
  • Insights into the thinking and attitudes of private sector employers.
  • Potential pitfalls for transitioning workers.

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

May 4, 2015
TSP Withdrawal Strategies

Many federal retirees are confused about how to use the funds in their Thrift Savings Plan account after they retire.  FERS retirees are particularly concerned as they know that their TSP balances must be used simultaneously for growth and income.  Listen in as guest speaker Dave Redden, a well-known and long-time federal benefit and financial planning expert, joins host Bob Leins for a discussion of Dave’s thoughts on TSP withdrawals.  Hear about:

  • What are the strengths and weaknesses of the TSP and IRA’s;
  • Why your Roth account should be in an IRA instead of the TSP and the potential problem of “mirroring”;
  • How the G Fund, even if Congress changes the underlying rate of return, will still be an important part of a successful income strategy;
  • How the opportunities within the TSP allow for partial transfers of funds to an IRA and then allow for transfers back into the TSP later;
  • Why Wealth Management Advisory firms as well as other financial planning entities would love to manage your TSP account for you; and,
  • Why you don’t need them at all!
  • What is the “10 Step” plan for “optimal” TSP withdrawals? Click here for the download the plan.

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

April 27, 2015
Understanding Financial Literacy

Join our co-hosts, Bob Leins & Tammy Flanagan, as they welcome Ray Kirk, Ph.D., Federal Benefits Specialist with NITP and the former manager of Benefit Officer’s Training and Development in Retirement Services for the U.S. Office of Personnel Management. 

April is National Financial Literacy Month.  What is financial literacy and what can you do to improve your financial literacy?  Financial literacy is the ability to make informed judgments and to take effective actions regarding the current and future use and management of money. 

Listen and learn…

  • What does financial literacy mean?  What is an example that would help me understand the concept of financial literacy?
  • Why is improving my financial literacy is important to me?
  • What steps can I take to get started?
  • What resources are available to help me?

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

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