Your Turn with Mike Causey

Health premiums: Don’t make the $17,000 mistake

Let your health plan fund an IRA, pay your premiums

Are you overpaying for health insurance? Probably

Bear market: Are you ready?

Where there’s a will isn’t always the way!

Most people know the rule is to buy low, sell high. If you buy that, the problem is knowing when the market has peaked or bottomed out. A growing number of Thrift Savings Plan investors are nervously wondering how much longer the current bull market — 10-plus years without a correction of 20% or more — will last, and can last. So many things could go wrong: Turkey and Syria, Chinese trade and the Hong Kong problem, post-Brexit Europe, or impeachment — a major disaster. Arthur Stein, a Washington, D.C.-area certified financial planner, weighs in on this episode of Your Turn with Mike Causey.

December and January are often the best months to retire if you want to maximize your lump sum payment of annual leave that can amount to a “design-your-own buyout.” That’s why the period between Dec. 31 and Jan. 3 sees the largest surge in retirements year-after-year. Benefits expert Tammy Flanagan answers your questions on this episode of Your Turn with Mike Causey.

How do you start your search for your estate? We discussed with Washington, D.C. area tax and estate attorney Tom O’Rourke. He worked for the IRS for many years and most of his clients are current or former civil servants, or are related to a fed.

For most white-collar civil servants, regardless of their duties, the September-October time period can be education/rewarding/challenging at the same time. Especially if you are preparing your personal budget for the upcoming year. FNN reporter Nicole Ogrysko bring us up to speed on how the immediate future looks for workers and retirees on this episode of Your Turn with Mike Causey.

While some people are already working on their 2020 taxes there are probably many more still trying to figure out what they did right, or wrong, because of the 2017 tax law. Many were surprised to learn that it no longer paid to itemize deductions that had been important in the past. Tom O’Rourke answers your questions on this episode of Your Turn with Mike Causey.

Effective Sept. 15, major changes will take effect in the TSP, changes that will make it more attractive for life-time investors and more convenient for people who need to withdraw different amounts over their retirement. Jessica Klement, NARFE vice president for advocacy and Mark Keen, certified financial planner and adviser gives us the details on this episode of Your Turn with Mike Causey.

Too many people begin their retirement planning too late. If not necessarily catastrophic, it isn’t good. But regardless of your age now, sooner is better than later. Benefits expert Tammy Flanagan is the guest this week. The Your Turn radio show airs at 10 a.m. EDT on 1500 AM in the Washington, D.C. area and www.federalnewsnetwork.com.

What do you need to do to identify, protect and make sure your estate —you’ve got more than you probably think— is handled in the way that’s best for everyone? Estate attorney Tom O’Rourke to the rescue. Tom is a Vietnam vet, a former IRS attorney and now counsels feds and retirees on estate planning. Your Turn airs at 10 a.m. EDT on www.federalnewsnetwork.com and on 1500 AM in the Washington, D.C. area.

Will retirement mean lifetime diet?

Summer Special: Perform Your Own (financial) Autopsy