Dan and Chelsea explore strategies for federal employees to gain an extra year of service credit without working longer. They also delve into donor-advised funds (DAFs), explaining how to avoid capital gains taxes and highlighting the benefits of using a DAF.
Dan explains how federal employees can gain an additional year of service credit without extending their actual work period. He outlines a strategy involving the strategic use of sick and annual leave. Specifically, he suggests using “use-or-lose” annual leave instead of sick leave, allowing you to accumulate more sick leave. He provides detailed reasoning to support this approach and a calculation formula. Chelsea explores how donor-advised funds (DAFs) with appreciated assets can help avoid substantial capital gains taxes while maximizing the value of appreciated stock and making a positive impact. She offers an in-depth look at the benefits of DAFs and provides essential considerations for those interested in establishing one.
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The FedLife Podcast is your in-depth, biweekly deep dive into the world of federal benefits and retirement planning. Hosted by federal benefits expert Ed Zurndorfer and Dan Sipe of Serving Those Who Serve, each 30-minute episode unpacks the complexities of FERS and CSRS retirement, FEHB and Medicare, survivor benefits, tax planning, and more. Designed for federal employees and retirees who want more than just the basics, FedLife goes beyond the headlines to explore the rules, nuances, and strategies that can make a meaningful difference in your retirement. Remember: it’s your Fed life, make it a great one.
The Fed15 Podcast is your weekly 15(ish)-minute briefing on federal benefits and financial planning, built specifically for federal employees and retirees. Hosted by Dan Sipe and Katelyn Murray of Serving Those Who Serve, each episode delivers clear, actionable guidance on topics like FERS and CSRS retirement, TSP strategies, FEHB, survivor benefits, tax planning, and more! Whether you’re five years from retirement or already there, The Fed15 helps you cut through the noise, avoid costly mistakes, and make confident decisions about your federal benefits.
