Basic, A, B, C… it might sound like alphabet soup, but when it comes to federal life insurance, these options can make or break your retirement legacy. In this information-packed episode, Rayna Reyes breaks down the key components of FEGLI and offers practical advice on what to keep, what to consider, and how to make sure your loved ones are protected for life—without overpaying. She also shares her family’s firsthand experience with a living benefits policy that helped them during a cancer diagnosis. Federal life insurance doesn’t have to be confusing—this episode makes it make sense.

Contact Rayna today: 850-450-6500 or AmericanFederal.org

Rayna Reyes is back with a big sigh of relief and a message of gratitude after the signing of the long-anticipated federal bill. In this heartfelt and informative episode, she breaks down what’s not changing for federal employees—no “high-five,” the pension supplement is safe, and your high-three calculations remain intact.

But Rayna goes beyond the headlines. She reminds federal workers to appreciate the rare benefits they have—like a guaranteed pension and Social Security income—especially in comparison to private sector workers and people in other countries. It’s a real talk moment about gratitude, income planning, and why now’s the time to reevaluate your spouse’s income options if they don’t have a pension.

Rayna also shares stories, insights, and even a little Alanis Morissette as she encourages you to keep perspective and take inventory of all that’s good. It's your post-bill-signature pep talk with practical steps to secure your family’s financial future.

Need help with your federal benefit options? Call 850-450-6500 or visit AmericanFederal.com

If the Thrift Savings Plan (TSP) had a soundtrack, it might just be “My Heart Will Go On”. In this fun and informative episode of Rayna Retirement, Rayna Reyes breaks down the misunderstood world of TSP L Funds—and what they can do for you.

What does the "L" in L Fund actually mean?
How does your investment mix shift automatically as you approach retirement?
Are you one of the many federal employees getting a letter saying your L 2025 fund is changing?
Should you stay put or make a move?

Rayna also shares how to visually choose the fund that best matches your goals—and why picking an L Fund might be the easiest decision you’ll ever make (especially if market-watching isn’t your thing).

Plus: The myth of “G for Good,” the truth about TSP fees, and how lifecycle funds can help you stop stressing and start planning.

Need help with your TSP, L Funds, or rollover options? Call 850-450-6500 or visit AmericanFederal.com

—

Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or visit AmericanFederal.org.

YouTube: https://www.youtube.com/@RaynaRetirement

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.