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Federal Benefits Explained

Federal Benefits Explained

Auteur(s): Andrew McNair
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À propos de cet audio

 Federal Benefits Explained is a podcast designed to help federal employees make sense of their retirement benefits with clarity and confidence.
Hosted by Andrew McNair, founder of SWAN Capital and son of a CSRS employee, the show breaks down complex topics like the Thrift Savings Plan (TSP), federal retirement timelines, survivor benefits, taxes, and income planning — without jargon or hype.
Each episode focuses on the real decisions federal employees face as they approach retirement, offering practical education, thoughtful strategy, and long-term perspective. The goal isn’t quick tips or risky moves but helping you understand how your benefits work together so you can retire confidently and sleep well at night.
Whether you’re early in your career, five years from retirement, or already planning your exit, Federal Benefits Explained gives you the knowledge you need to make informed choices about your future.
New episodes are released weekly. Follow the show to stay informed and confident about your federal benefits.

Copyright Chaesare Gray Économie
Épisodes
  • States Don’t Tax Federal Pensions

    States Don’t Tax Federal Pensions
    Jan 16 2026
    If you’re a federal employee or retiree covered under FERS or CSRS, where you live in retirement can make a six-figure difference over time. In this episode, Andrew McNair, founder of SWAN Capital, breaks down which states do not tax federal pensions and why taxes alone should never be the only factor when deciding where to retire. You’ll learn:
    • Which states currently do not tax FERS and CSRS pensions
    • How state taxes quietly erode your retirement income over time
    • Why cost of living, healthcare access, and community matter just as much as tax savings
    • How relocating could help your TSP stretch further—or even allow you to retire earlier
    • Common mistakes federal retirees make when choosing a “tax-friendly” state
    Andrew also explains how smart planning around TSP contributions, Roth vs. Traditional strategies, and relocation timing can dramatically improve how much you keep, not just how much you earn.

    Bottom line: You don’t spend gross income in retirement - you spend net. If you want personalized guidance, our team includes financial planners, a CPA, and an estate planning attorney, all under one roof, serving federal employees nationwide.

    Schedule your complimentary Federal Retirement Benefit Report:
    Call 1-800-848-8768 or email info@swan-capital.com

    Subscribe for more episodes breaking down federal retirement benefits in plain English.

    If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
    Voir plus Voir moins
    12 min
  • Top 7 TSP Mistakes to Avoid

    Top 7 TSP Mistakes to Avoid
    Jan 9 2026
    Federal employees work hard for their retirement, but simple TSP mistakes can quietly cost you hundreds of thousands of dollars over time. In this episode, Andrew McNair, founder of SWAN Capital, walks through the seven most common TSP mistakes federal employees make and how to avoid them. Whether you’re covered under FERS or CSRS, this episode will help you:
    • Understand why default TSP settings may not serve you long-term
    • Avoid bad advice from “water-cooler experts” and unqualified sources
    • Balance risk properly as retirement approaches
    • Protect your TSP from inflation, emotional decisions, and over-monitoring
    • Ensure your TSP beneficiaries are correctly set (and why this matters more than your will)
    • Align your future contributions with your long-term investment strategy
    Most importantly, you’ll learn what to do if you’ve already made some of these mistakes and how they can often be fixed. This episode is educational, practical, and designed to give federal employees peace of mind as they move closer to retirement.

    Subscribe for more education designed specifically for federal employees.

    If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
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    15 min
  • Panicked and Moved to the G Fund? What Federal Employees Should Do Next

    Panicked and Moved to the G Fund? What Federal Employees Should Do Next
    Dec 31 2025
    Market volatility can make even the most disciplined federal employee second-guess their TSP strategy.

    If you panicked and moved your money into the G Fund or F Fund, you’re not alone — and you’re not beyond recovery.

    In this episode, Andrew McNair, founder of SWAN Capital and son of a CSRS employee, explains what to do after the panic move. You’ll learn why trying to time the market often backfires, how inflation quietly erodes G Fund safety, and how federal employees can thoughtfully re-enter the market without betting on perfect timing.
    Andrew breaks down complex concepts like:
    • Why missing just a few market days can derail long-term returns

    • How tools like the Shiller P/E Ratio and the Buffett Indicator provide context (not predictions)

    • A disciplined dollar-cost-averaging approach for getting back on track

    • How emotional investing impacts both DIY investors and professionals


    This episode is designed to educate, reassure, and restore confidence — especially if fear, headlines, or past market pain pushed you to the sidelines.

    Perfect for FERS and CSRS employees wondering:
    “Did I just hurt my retirement… and how do I fix it?”

    If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
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    14 min
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