Micah Shilanski

Micah Shilanski is a Certified Financial Planner™ 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.

Website  • 

Your Best Benefit? Ability to Keep FEHB in Retirement

By on September 27, 2012 in Retirement with 0 Comments

As a federal employee, you have a number of great benefits. There is one that is often taken for granted but the author says it is actually your greatest benefit as a federal employee.

Continue Reading »

Three Red Flags in Her Early Retirement Plan

By on July 23, 2012 in Retirement with 0 Comments

A financial planner said one of his new clients was a federal employee. It became clear he was not familiar with important benefits his client had as a federal employee.

Continue Reading »

What’s the Difference Between Postponed vs. Deferred Retirement?

By on June 27, 2012 in Retirement with 0 Comments

Are you thinking about leaving federal service before you are eligible for an immediate FERS retirement? You need to know the difference between a postponed and deferred retirement.

Continue Reading »

Using the CSRS Voluntary Contribution Program to Max-Fund a Roth IRA

By on July 12, 2011 in Retirement with 0 Comments

Do you make “too much money” to qualify for a Roth IRA? CSRS and CSRS Offset federal employees have a unique benefit that can be used max-fund a Roth IRA.

Continue Reading »

What’s Left of Your CSRS or FERS Pension?

By on June 10, 2011 in Retirement with 0 Comments

If you’re close to retirement, you’ve probably calculated your FERS or CSRS Pension. But did you remember to consider these important reductions in your retirement planning?

Continue Reading »

Considering Monthly TSP Payments in Retirement?

By on May 5, 2011 in Retirement with 0 Comments

There’s an important factor most people overlook when they choose monthly TSP payments in retirement. You can choose how much you take out each month – but you don’t get to choose HOW the money comes out. Don’t let this catch you by surprise.

Continue Reading »

When the Highest Rate of Return Isn’t the Best

By on April 6, 2011 in Retirement with 0 Comments

Here is a real story about someone who had enough money to retire but got caught up in chasing rates of return and had to return to work. Before you allocate your TSP, make sure you stay focused on your goals — not just chasing the highest rates of return.

Continue Reading »

How a Typo Could Delay Your Retirement from Federal Service

By on February 28, 2011 in Retirement with 0 Comments

The SF 50 is the official form the government uses to determine your retirement eligibility and to calculate your pension. If there is an error or a typo, it could delay your retirement. Find out why you need a copy of all of your SF 50s, and how to review them before you retire.

Continue Reading »

Is 2010 Last Chance for Roth Conversions? Maybe…Maybe Not…

By on November 18, 2010 in Retirement with 0 Comments

What if you can’t convert to a Roth IRA in 2010? Is 2010 really your last chance? The key to good tax planning is a future-orientation. You want to be asking the question, what can I do to lower my taxes in the future?

Continue Reading »

Unique Roth IRA Conversions for Federal Employees

By on September 23, 2010 in Retirement with 0 Comments

Most people know you can convert money from a traditional IRA to a Roth IRA. But Federal Employees may also be able to convert money from their Thrift Savings Plan or CSRS Voluntary Contribution Plan to a Roth IRA.

Continue Reading »