Retiring Soon? Why Waiting Until the Last Minute Could Cost You

Retirement planning isn't just about filling out paperwork—it's about making informed decisions well before your retirement date arrives. In this episode of Rayna Retirement, Rayna Reyes explains why federal employees should begin planning for retirement months—or even years—ahead of time, even though many agencies won't allow retirement applications to be submitted until you're within a specific window. She discusses why early preparation reduces stress, helps avoid costly mistakes, and gives you time to make important decisions with confidence. Rayna also addresses a common misconception that retirement planning can wait until the application window opens. Instead, she explains why the planning process should happen first, leaving the final paperwork as simply the last step. -- Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857 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.