Retirement isn't just about making your money last, it's about using it wisely while you still can.

In this episode of the Plan Your Federal Retirement podcast, Micah Shilanski, Wealth Advisor, is joined by his father, Floyd Shilanski, Wealth Advisor, to unpack one of the most complicated challenges federal employees face: balancing today's lifestyle with tomorrow's longevity.

From distribution strategies and liquidity planning to housing decisions, aging in place, and preparing for unexpected large expenses, this conversation dives deep into what actually happens over a 30–40 year retirement. With decades of real-world client experience, Floyd shares stories that highlight why flexibility, intentional planning, and foresight are essential, not optional.

If you're a pre-retiree or early retiree wondering how to enjoy retirement without becoming a burden or running out of money, this episode is for you.

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Ever wondered how the big players in financial services got to where they are? Matt and Micah dive deep into the secret behind Edward Jones' remarkable success story – and why independent advisors should be taking notes instead of throwing shade. They challenge the common "David vs. Goliath" mindset that often leads independent advisors to dismiss larger firms' achievements and reveal how Edward Jones' strategic playbook can be adapted for independent practice success.

Listen in as they explore the often-overlooked truth about building a thriving advisory practice: it's not just about working harder but working smarter with intentionality.

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Social Security headlines are everywhere, and much of what federal employees are hearing is confusing, incomplete, or flat-out wrong.

In this episode of Plan Your Federal Retirement, Floyd Shilanski, Wealth Manager, cuts through the noise and explains what federal employees actually need to know about Social Security as retirement approaches.

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As the year closes, federal employees can't afford to miss critical planning opportunities that protect their retirement and avoid costly mistakes. In this episode of the Plan Your Federal Retirement Podcast, Micah Shilanski, Wealth Advisor, and Luke Eberly, Wealth Advisor, break down real-world, end-of-year action items they are actively handling with clients right now.

They talk about last-minute planning for 2025, including Required Minimum Distributions (RMDs), Qualified Charitable Distributions (QCDs), Roth conversions, and estimated tax payments, all with a focus on being aware of IRS penalties. Tune in to learn about strategies for January 2026, like new TSP contribution limits, Roth and HSA planning, and why it's better to start early rather than wait until the end of the year.

If you are a federal employee or retiree who wants to end the year well and begin the next one with clear plans and confidence, this episode offers practical tips you can use right away.

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Have you ever wondered what a Social Security bridge strategy is? In this episode, Floyd Shilanski, CFPⓇ breaks down how these strategies can help retirees wait to claim Social Security and boost their lifetime income.

Rather than filing for Social Security at 62, some retirees use their TSP, 401(k), or other savings to cover income needs until they reach full retirement age or even 70. Floyd discusses why living longer matters, how waiting can increase your monthly income, and why each person needs a plan that fits their situation.

Most importantly, this episode focuses on planning, coordination, and making choices that fit you, instead of following advice from friends, neighbors, or social media.

If you're getting close to retirement and unsure about when to claim Social Security, this episode will help you see your options and the pros and cons of each.

Big changes are coming to your TSP catch-up contributions in 2026 and if you miss them, you could accidentally throw off your entire tax strategy.