Dan and Katelyn break down how “bump and retreat” works in a RIF, covering key terms, potential outcomes, and steps federal employees can take if a RIF is possible. They also review 2026 HSA and FSA updates, including tax advantages, ACA-related changes, Direct Primary Care and telehealth expenses, and key differences among FSA options for federal employees.
Dan breaks down “bump and retreat” in the context of RIFs, starting with key concepts such as competitive area and level, the retention register, and possible outcomes. He then explains how bump and retreat works, what factors may affect an employee’s position on the list, and practical steps to take if a RIF becomes a possibility.
Katelyn covers HSA and FSA enhancements taking effect in 2026, including how HSAs can deliver significant tax advantages when used strategically. She reviews new changes affecting individuals on Bronze and catastrophic ACA plans, updates to Direct Primary Care and telehealth expenses, and then walks through the different types of FSAs available to federal employees, along with important considerations for managing these accounts effectively.
“Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Lee, Sipe & Associates, Inc. is not a registered broker/dealer and is independent of Raymond James. Content represents the opinions of the speaker and not necessarily those of Raymond James. Important Disclosure Information: http://raymondjames.com/smicd.htm.
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.
