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Malissa McNanna, Independent Financial Coach

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Hot Springs, AR
Malissa McNanna, Independent Financial Coach

I am a ChFEBC℠ advisor. As an independent financial coach ,I represent multiple companies with a broad range of products.

It is my passion to help people retire well.

06/24/2026

Roth Conversions: Is It Time to Consider One?
Many federal employees and retirees are looking for ways to create more tax-free income in retirement. One strategy worth exploring is a Roth conversion.
A Roth conversion allows you to move money from a traditional retirement account into a Roth account. While you may owe taxes on the amount converted today, future qualified withdrawals can be tax-free.
✅ Potential tax-free income in retirement
✅ No required minimum distributions (RMDs) from Roth IRAs
✅ May help reduce future tax burdens
✅ Can be a valuable estate planning tool
The key is determining when a Roth conversion makes sense. Factors such as your current tax bracket, future income needs, and retirement goals should all be considered before making a decision.
Your retirement strategy should be as unique as your career. Understanding your options today could help create greater flexibility tomorrow.
Questions about how a Roth conversion might fit into your retirement plan? We're here to help.
📞 Contact me at 5016556279 for a personalized retirement analysis.

06/22/2026

LWOP and Your Federal Retirement: What You Need to Know
Taking Leave Without Pay (LWOP)? It could impact more than just your paycheck.
Many federal employees use LWOP for family needs, medical situations, military service, or other personal reasons. While LWOP can be a valuable benefit, it's important to understand how extended periods of unpaid leave may affect your retirement.

Here are a few key things to know:

✔ Retirement Credit – Up to 6 months of LWOP in a calendar year generally counts as creditable service for retirement calculations.

✔ High-3 Average Salary – Extended LWOP can affect earnings history and may impact retirement planning.

✔ TSP Contributions – No paycheck means no employee contributions and no agency matching contributions during that period.

✔ Leave Accrual – Long periods of LWOP can affect annual and sick leave accumulation.

✔ Benefits Coverage – FEHB and other benefits may continue, but specific rules and costs can apply.

A short period of LWOP may have little impact, but a longer absence can affect your retirement timeline and future benefits.

The best retirement decisions are made when you understand how today's choices affect tomorrow's income.

📞 Contact me today to learn how LWOP could affect your retirement benefits and long-term financial goals. Give me a call at (501)-655-6279

06/19/2026

Who Qualifies for the Special Retirement Supplement (SRS)?
Retiring before age 62? You may be eligible for an extra benefit many federal employees overlook.
The Special Retirement Supplement (SRS) is designed to provide eligible FERS employees with additional income before they become eligible for Social Security at age 62.

You may qualify for SRS if you:

✅ Retire under an immediate, unreduced FERS retirement

✅ Meet one of these retirement requirements:

Minimum Retirement Age (MRA) with 30 years of service
Age 60 with at least 20 years of service
Early retirement under a VERA (if offered by your agency)
🚫 You generally do not qualify if you:
Retire under MRA+10 rules
Receive a deferred retirement
Are already age 62 or older when you retire
The SRS can provide valuable income during the gap between retirement and Social Security eligibility, helping bridge the transition into retirement.
Understanding whether you qualify—and how much you could receive—is an important part of retirement planning.

📞 Contact me (Malissa McNanna) today to learn how the Special Retirement Supplement may fit into your retirement strategy. Give me a call at (501)-655-6279 or feel free to send me a message and we can get started!

06/18/2026

Understanding IRMAA: A Surprise Retirement Expense Many People Miss
Think your Medicare premiums are set in stone? Think again.
If your income is above certain limits, you may be required to pay an additional charge on top of your standard Medicare Part B and Part D premiums. This extra cost is called IRMAA (Income-Related Monthly Adjustment Amount).
Many retirees are caught off guard when they receive a notice that their Medicare premiums have increased due to income reported from two years prior.
What can trigger IRMAA?
✔ Large TSP or IRA withdrawals
✔ Roth conversions
✔ Capital gains from investments
✔ Selling property or a business
✔ Other increases in taxable income
The good news: With proper planning, you may be able to reduce or avoid unexpected IRMAA surcharges and keep more of your retirement income working for you.
Retirement isn't just about saving money—it's about understanding how taxes, Medicare, and income work together.
Don't let an unexpected Medicare premium increase catch you by surprise. Plan ahead and stay informed.
📞 Contact me (Malissa McNanna) today to learn how retirement income decisions may affect your Medicare costs. Call me at (501)-655-6279

06/15/2026

🌟 Retirement Shouldn't Depend on Market Headlines
When you're working toward retirement—or already enjoying it—the last thing you want is to lose sleep over every market swing.
A strong retirement strategy isn't just about growth. It's about creating stability, confidence, and financial security no matter what the markets are doing.
✔️ Protect a portion of your nest egg
✔️ Create a more predictable retirement future
✔️ Reduce the impact of market volatility
✔️ Gain confidence in your long-term plan
The goal isn't to avoid growth opportunities—it's to make sure your retirement lifestyle isn't dependent on the market having a good year.
Your future deserves a strategy built for both opportunity and protection.
📞 Contact us to learn how market-risk protection strategies may fit into your retirement plan.

06/12/2026

🕒 Don't Overlook Your Unused Sick Leave!
Did you know that unused sick leave can increase your retirement benefit?

For FERS employees, unused sick leave is converted into additional creditable service time when your pension is calculated. While it can't help you meet retirement eligibility requirements, it can increase the amount of your monthly annuity.

✅ Every hour counts
✅ Can add months to your years of service for pension calculations
✅ May increase your lifetime retirement income
✅ Rewards years of dedicated federal service

Many federal employees are surprised to learn how valuable their accumulated sick leave can be at retirement. Before making retirement decisions, it's important to understand how your sick leave balance may impact your future benefits.

📞 Want to know how your sick leave could affect your retirement income? Let's review your retirement numbers together.

06/10/2026

🛡️ Protect What You've Worked So Hard to Build
Market ups and downs can be stressful, especially when you're nearing retirement or already retired. After years of saving and planning, protecting your principal becomes just as important as growing your money.

Principal protection strategies can help:

✅ Safeguard your retirement savings from market losses
✅ Provide greater peace of mind during volatile markets
✅ Create a more predictable retirement income plan
✅ Help preserve the wealth you've worked a lifetime to build

Retirement isn't just about accumulating assets—it's about protecting them. A well-designed retirement strategy can help you enjoy your future with confidence, knowing your hard-earned money is working for you while remaining protected.

📞 Want to learn more about strategies designed to help protect your principal? Let's talk. Give me a call at (501)-655-6279

06/08/2026

📬 Waiting on Your Retirement? You're Not Alone.
The OPM retirement backlog continues to affect many federal employees transitioning into retirement. While most retirees begin receiving interim payments, it can take several months for OPM to fully process retirement applications and finalize benefits.

What does this mean for you?

✅ Your retirement date matters
✅ Complete and accurate paperwork can help avoid delays
✅ Having a financial plan in place can help bridge the gap while waiting for final retirement processing

Retirement is a major milestone, and preparation is key. Understanding the process ahead of time can help reduce stress and provide greater confidence as you move into the next chapter.

Have questions about your federal retirement benefits or retirement income strategy? Reach out today—I'm here to help guide you through the process. So send me a message or give me a call at (501)-655-6279

06/05/2026

What Is Your “High-3”?
Your FERS pension is based on more than just years of service — it’s also based on your High-3 Average Salary.

Your “High-3” is:
✅ The highest average basic pay you earned over any consecutive 3-year period during your federal career.

This usually includes:
• Base pay
• Locality pay
• Shift differentials (in some cases)
It generally does not include:
❌ Overtime
❌ Bonuses
❌ Awards

Why does it matter?
Because your High-3 is one of the biggest factors used to calculate your lifetime pension.

A better understanding today can help you make smarter retirement decisions tomorrow.

06/03/2026

Who Qualifies for the Special Retirement Supplement (SRS)?
The FERS Special Retirement Supplement is designed to provide extra income before age 62 — but not everyone qualifies.
You may qualify if you:
✅ Retire on an immediate FERS retirement
✅ Meet your age and service requirements
✅ Retire before age 62
Common examples:
• Minimum Retirement Age (MRA) with 30 years
• Age 60 with 20 years
• Certain early or special provisions retirements
You generally do not qualify if you:
❌ Leave federal service and postpone retirement
❌ Retire under MRA+10 rules
❌ Reach age 62
SRS can be a valuable bridge to Social Security — which is why understanding your eligibility matters before you retire.

Do you think you qualify? Do you have more questions?
Give me a call at (501)-655-6279 and I can answer all your questions!

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Hot Springs, AR
71901

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 3pm

Website

http://www.fedhelp.com/

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