Katelyn breaks down the risks of an all-C Fund TSP strategy, explaining why valuation and diversification matter-especially near retirement. She also covers the federal “use or lose” annual leave rules, including carryover limits and practical steps to avoid forfeiting earned hours.
Katelyn breaks down why the TSP C Fund has become a default choice for many federal employees, what it actually represents within a portfolio, and why valuation and concentration risk matter-especially near retirement. She explains the risks of an all-C Fund approach, the importance of diversification across G, F, S, and I Funds, and how to right-size equity exposure based on time horizon and withdrawal needs.
She also walks through the federal “use or lose” annual leave rules, how carryover caps work, how to calculate potential forfeiture using your Leave and Earnings Statement, and practical strategies to avoid losing earned hours in 2026-highlighting why leave is not just a workplace benefit, but part of a broader financial and life plan.
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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.
