Micah Shilanski

Micah Shilanski is a Certified Financial Plannerâ„¢ professional who specializes in helping federal employees get the most out of their retirement benefits. Micah helps his clients with tax planning, retirement planning, federal retirement planning, estate planning, and investment advice.

Plan Your Federal Retirement is a dba of Shilanski & Associates, Inc., an Alaska Registered Investment Advisor, with securities offered through Summit Brokerage Services, Inc., Member FINRA/SIPC.

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3 Quirks About the TSP in Retirement

By on February 4, 2015 in Retirement with 0 Comments

The TSP has quirks when it comes to using your money in retirement. These quirks can catch most federal employees by surprise. If you plan to keep your money in the TSP after you retire, you need to understand how it works so you aren’t caught off guard.

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Monte Carlo and Social Security Success

By on August 11, 2014 in Retirement with 0 Comments

Did you know that changing when you turn on Social Security could increase your chances of successful retirement? The author provides an example with 4 different scenarios and how it affects the probability of successful retirement.

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The Biggest Problem with Benefits Estimates

By on July 20, 2014 in Retirement with 0 Comments

Many federal employees receive Benefits Estimates when they’re planning their retirement. Getting a Benefits Estimate from your HR can be a helpful place to start, but there is a big problem that most federal employees miss.

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At the Brink of an Irreversible Mistake

By on June 19, 2014 in Retirement with 0 Comments

One federal employee ended up pulling his retirement paperwork before the big day because he almost made an irreversible mistake. He was relying on all the previous benefits estimates he had received from his human resources department, but at the last minute found out he wouldn’t be getting the pension he had expected. Learn from his story and make sure it doesn’t happen to you.

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Your Three ‘Buckets of Money’

By on May 30, 2013 in Retirement with 0 Comments

Most Federal Employees make investment decisions on an account-by-account basis. But before you can make good choices for specific investments, it’s important to look at the big picture for retirement investing.

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3 Big Whammies for Early Social Security

By on April 22, 2013 in Retirement with 0 Comments

Starting Social Security at age 62? Or anytime before your Full Social Security Age (65-67)? Most Federal Employees are too – but they usually haven’t heard of the three big whammies that come with starting Social Security early. Don’t let these whammies catch you by surprise.

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Unique ‘Gaps’ in Your FERS Retirement Income

By on April 3, 2013 in Retirement with 0 Comments

Did you know that your FERS retirement income will have some unique twists and turns? Your retirement income will start, stop and change in ways that simply won’t compute in most financial planning calculators. Find out how your income will change, and what it means for your ‘Gap’.

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What if Your Income Dropped by 40%?

By on February 19, 2013 in Retirement with 0 Comments

Imagine you’re retired and living on a fixed income of $5,200/month. But suddenly your income dropped to $3,000/month. What changes would you have to make? Would you be able to stay retired? Who is faced with this situation?

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Before You Take the CSRS VCP Annuity…

By on January 10, 2013 in Pay & Benefits, Retirement with 0 Comments

Many times when people consider the VCP annuity, it looks like a viable option. However, there are critical problems with the CSRS VCP annuity that you should know about before you sign on the dotted line.

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Using an HSA: Tax Deduction Now, Tax-Free Money Later for Medical Expenses

By on December 18, 2012 in Pay & Benefits with 0 Comments

HSAs (Health Savings Accounts) are special accounts designed to give you a tax deduction for qualified medical expenses. When you use this benefit correctly, you get a tax deduction now and get to use the money tax-free for qualified medical expenses, but it’s not right for everyone.

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