Malissa McNanna, Independent Financial Coach

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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.

💼 YOUR RETIREMENT PLAN SHOULD FIT YOUR LIFE — NOT THE OTHER WAY AROUND!Retirement planning isn't one-size-fits-all! What...
10/17/2026

💼 YOUR RETIREMENT PLAN SHOULD FIT YOUR LIFE — NOT THE OTHER WAY AROUND!

Retirement planning isn't one-size-fits-all! What works for your coworker might not be the best choice for you. 👀

Whether retirement is 2 years away or 20, choosing the right strategy today can make a big difference in your future.

Here's what you should consider! 👇

✅ Know Your Benefits — Understand your FERS pension, TSP, Social Security, and the benefits available to you.

✅ Protect Your Savings — Consider how much market risk you're comfortable taking and what strategies may help protect your hard-earned money.

✅ Plan Your Income — Think about how you'll pay your bills and maintain your lifestyle once you stop working.

✅ Consider Your Family — Your spouse, dependents, healthcare needs, and long-term goals all matter when building a retirement strategy.

✅ Get a Personalized Plan — Your retirement deserves a strategy built around your goals, timeline, and financial situation.

🚨 DON'T WAIT UNTIL YOUR RETIREMENT DATE TO FIGURE IT ALL OUT!

The right plan can help you make informed decisions, avoid costly surprises, and approach retirement with greater confidence.

📞 Ready to start planning for your future?

Malissa McNanna
Fed Help | Personalized Federal Retirement Planning
📱 (501) 655-6279

💙 Your future is personal. Your retirement plan should be, too.

💰 WHAT IF YOU COULD CREATE YOUR OWN PRIVATE PENSION?Remember when people retired with a pension and knew they had a stea...
10/16/2026

💰 WHAT IF YOU COULD CREATE YOUR OWN PRIVATE PENSION?

Remember when people retired with a pension and knew they had a steady paycheck coming in? Those days aren't completely gone! 👀

Even if your retirement doesn't include a traditional pension, an annuity may help you create a similar source of retirement income.

Here's how it works! 👇

✅ Create a Paycheck in Retirement — Certain annuities can provide a stream of income for a specified period or for life, depending on the contract.

✅ Add Predictability — A fixed annuity may offer guaranteed interest, while certain income annuities can provide predictable payments under their contract terms.

✅ Complement Your Federal Benefits — An annuity may work alongside your FERS pension, TSP, and Social Security to help build a retirement income strategy.

✅ Plan With More Confidence — Knowing where some of your retirement income may come from can help you plan for the lifestyle you want.

🏦 YOU WORKED FOR YOUR RETIREMENT. NOW MAKE YOUR MONEY WORK FOR YOU!

An annuity isn't right for everyone, but understanding your options could make a meaningful difference in your retirement plan.

📞 Want to learn whether an annuity could fit into your retirement strategy?

Malissa McNanna
Fed Help | Personalized Federal Retirement Planning
📱 (501) 655-6278

Your retirement. Your goals. A plan designed for you.



Annuity guarantees are backed by the claims-paying ability of the issuing insurance company. Terms, fees, liquidity, and benefits vary by contract.

🛡️ PROTECT YOUR RETIREMENT FROM MARKET RISKYou’ve worked hard to build your retirement savings. Don’t let market volatil...
10/12/2026

🛡️ PROTECT YOUR RETIREMENT FROM MARKET RISK

You’ve worked hard to build your retirement savings. Don’t let market volatility put your future plans at risk!

📉 Market downturns can impact your retirement. When the market drops, your investments may lose value, and withdrawing money during a downturn can make it harder for your savings to recover.

Here’s why having a plan matters:

✅ Protect What You’ve Built — Explore strategies designed to help reduce exposure to market losses.

✅ Create More Predictable Income — Certain retirement strategies, including some annuities, can provide guaranteed income under the terms of the contract.

✅ Retire With Confidence — A well-planned retirement strategy can help you prepare for market ups and downs while keeping your long-term goals in focus.

💼 Your retirement deserves more than hope. It deserves a strategy.

Let’s discuss your options and find a plan that fits your retirement goals.

📞 Malissa McNanna
Fed Help | Personalized Federal Retirement Planning
(501) 655-6278

Protect your future. Plan with purpose.

📬 PSHB + Medicare: How Do They Work Together?If you're a Postal Service retiree, having PSHB and Medicare can look diffe...
10/09/2026

📬 PSHB + Medicare: How Do They Work Together?
If you're a Postal Service retiree, having PSHB and Medicare can look different than simply having one health plan.
PSHB is your Postal Service health coverage. Medicare is separate—but the two can work together.
When you're a Medicare-eligible Postal Service annuitant:
🔹 Medicare generally pays first for covered services.
🔹 Your PSHB plan generally pays second, helping coordinate benefits after Medicare.
🔹 Medicare Part B is generally required for certain Medicare-eligible Postal Service annuitants to keep PSHB coverage in retirement, unless an exception applies.
🔹 Prescription coverage can be different, too. PSHB plans provide Medicare Part D prescription drug coverage through an Employer Group Waiver Plan (EGWP) for eligible annuitants.
💡 Why does this matter?
PSHB isn't simply a replacement for Medicare—and Medicare doesn't simply replace PSHB.
Understanding how the two coordinate can help you better understand your premiums, coverage, prescription benefits, and potential out-of-pocket costs in retirement.
📌 Your healthcare coverage is an important part of your retirement plan. Make sure you understand how your benefits work together before you retire.
📞 Malissa McNanna
(501) 655-6278
Fed Help — Retirement Planning With Care

🎯 Turning 59½? Know This Important Retirement RuleReaching age 59½ can be an important milestone in your retirement plan...
10/07/2026

🎯 Turning 59½? Know This Important Retirement Rule
Reaching age 59½ can be an important milestone in your retirement planning.
For many retirement accounts, including TSPs and IRAs, age 59½ is generally the point when you can take withdrawals without the 10% early-withdrawal penalty that may apply to earlier distributions.
But that doesn't automatically mean every withdrawal is tax-free. Traditional TSP and IRA withdrawals are generally still subject to ordinary income taxes.
💡 Why it matters:
Understanding the rules before you start withdrawing can help you make more informed decisions about when and how to access your retirement savings.
Your retirement plan should be about more than simply reaching an age—it should be about creating a strategy that works for you and your family.
📞 Malissa McNanna
(501) 655-6278
Fed Help — Retirement Planning With Care

🏡 A THOUGHT-OUT RETIREMENT PLAN CAN BENEFIT MORE THAN JUST YOU. ❤️Retirement is about more than knowing when you want to...
10/05/2026

🏡 A THOUGHT-OUT RETIREMENT PLAN CAN BENEFIT MORE THAN JUST YOU. ❤️
Retirement is about more than knowing when you want to stop working. It’s about knowing how you want to live once you get there.
A well-planned retirement can help you:
💰 Create a clearer income strategy — Understand where your retirement income may come from and how your benefits work together.
🛡️ Protect what you’ve worked hard to build — Consider ways to prepare for market changes, unexpected expenses, and future needs.
👨‍👩‍👧‍👦 Provide greater confidence for your family — A thoughtful plan can help your loved ones better understand your wishes and the financial resources available to them.
🏥 Prepare for healthcare costs — Healthcare can be a significant part of retirement, so planning ahead matters.
🌅 Focus on the life you want to live — Retirement should be about more than finances. It’s about having the freedom and confidence to enjoy the people and things that matter most.
The goal isn't simply to retire. The goal is to retire with a plan.
The earlier you start, the more time you have to explore your options. And if retirement is right around the corner, it’s still worth taking the time to create a thoughtful strategy.
📞 Ready to start planning?
Malissa McNanna | Fed Help
📱 (501) 655-6278

⏳ IT’S NEVER TOO EARLY OR TOO LATE TO START PLANNING FOR RETIREMENT! 🇺🇸Whether retirement is 30 years away or just aroun...
10/03/2026

⏳ IT’S NEVER TOO EARLY OR TOO LATE TO START PLANNING FOR RETIREMENT! 🇺🇸
Whether retirement is 30 years away or just around the corner, the best time to start planning is now!
💼 Starting early?
You have more time to build your retirement savings, explore your options, and make a plan for the future.
🌟 Starting later?
It's not too late! There may still be opportunities to strengthen your retirement strategy, protect what you've earned, and make the most of your benefits.
Your retirement journey is unique, and every step you take today can make a difference tomorrow.
❤️ Don't let the fear of starting late keep you from starting at all. What matters is taking that first step!
📞 Ready to take a closer look at your federal retirement options?
Malissa McNanna | Fed Help
📱 (501) 655-6278
Let's work together to help you prepare for the retirement you deserve.

🇺🇸 2027 FERS COLA: Who May Be Eligible?If you’re a federal employee or retiree, it’s never too early to understand how y...
10/02/2026

🇺🇸 2027 FERS COLA: Who May Be Eligible?
If you’re a federal employee or retiree, it’s never too early to understand how your retirement benefits may be affected by the annual Cost-of-Living Adjustment (COLA).
For FERS retirees, COLA eligibility generally begins at age 62. However, certain exceptions apply, including some disability, survivor, law enforcement, firefighter, air traffic controller, and other special-provision retirements.
📌 A few important things to know:
• FERS COLAs generally begin at age 62
• Your first COLA may be prorated depending on when you retired
• The COLA percentage changes from year to year
• The official 2027 COLA percentage will be determined based on inflation data
• Certain special retirement situations have different eligibility rules
Understanding your FERS benefits can help you make more informed decisions about when to retire and how to plan for your income in retirement.
💼 Have questions about your federal retirement?
Getting a personalized retirement review can help you understand how your FERS pension, Social Security, TSP, and other benefits may fit together.
📞 Malissa McNanna
(501) 655-6278
Fed Help

💰 Could a Roth Conversion Be Part of Your Retirement Strategy?Retirement planning isn’t just about how much you save—it’...
09/28/2026

💰 Could a Roth Conversion Be Part of Your Retirement Strategy?
Retirement planning isn’t just about how much you save—it’s also about how and when you pay taxes on your retirement money.
A Roth conversion allows you to move money from a traditional retirement account into a Roth account. You generally pay income taxes on the amount converted now, with the potential for tax-free qualified withdrawals in the future.
A Roth conversion may help you:
🔹 Create greater tax flexibility in retirement
🔹 Potentially reduce future required distributions
🔹 Plan around future tax rates
🔹 Build a source of tax-free retirement income
🔹 Leave more tax-advantaged assets for your beneficiaries
But a Roth conversion isn’t right for everyone. Your income, tax bracket, retirement timeline, and overall financial goals all matter.
The key is having a strategy—not simply making a conversion.
📞 Malissa McNanna
(501) 655-6278
Fed Help
Let’s talk about your retirement goals and whether a Roth conversion may fit into your overall plan.

🛡️ Protect What You’ve Worked So Hard to BuildMarket ups and downs are a normal part of investing—but when you’re approa...
09/24/2026

🛡️ Protect What You’ve Worked So Hard to Build
Market ups and downs are a normal part of investing—but when you’re approaching or living in retirement, a significant market decline can have a bigger impact on your financial future.
That’s why it’s important to understand how much market risk you’re taking and whether your retirement strategy is designed to handle it.
A well-rounded retirement plan may include strategies designed to:
✔️ Reduce exposure to market losses
✔️ Protect a portion of your retirement savings
✔️ Create predictable income
✔️ Help your money last throughout retirement
✔️ Give you greater confidence when markets become unpredictable
You worked hard to build your retirement. Make sure you understand how your money is protected when the market doesn’t cooperate.
Your retirement plan should be built around your goals, your needs, and your comfort with risk.
📞 Malissa McNanna
(501) 655-6278
Fed Help

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Hot Springs, AR
71901

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