Not affiliated with The United States Office of Personnel Management or any government agency

Not affiliated with The United States Office of Personnel Management or any government agency

Joe Carreno

The Retirement Advantage ODESSA, Florida


About Joe Carreno

For over 30-years Flavio J "Joe" Carreno of The Retirement Advantage has been a Federal Employee Retirement System specialist (FERS) as well as a Florida Retirement System specialist (FRS) independent advocate. An affiliate of PSRE (Public Sector Retirement Educators), a Federal Contractor & Registered Vendor to the Federal Government, also an affiliate of TSP Withdrawal Consultants. We will help you understand your FERS & FRS Benefits, TSP & Florida D.R.O.P. withdrawal options in detail while recognizing & maximizing all concurrent alternatives available.Our primary goal is to guide you into retirement with no regrets; safe, predictable, stable, for life. We look forward to visiting with you.

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Published Content and Articles Featuring Joe Carreno

Articles By Joe Carreno

Special Cases Exempt from the 10% Early Withdrawal Penalty.

Special Cases Exempt from the 10% Early Withdrawal Penalty.

Your IRA contributions are made to supplement your income throughout your retirement. While you'd like to keep your IRAs whole...

Applying for Divorced Benefits as a Social Security Recipient

Applying for Divorced Benefits as a Social Security Recipient

Boosting your Social Security benefits may feel more like searching for a needle in a haystack, but it doesn't have...

The Hazards of Working After Retirement

The Hazards of Working After Retirement

When they reach retirement age, some individuals' top priority is to give up any and all types of employment for...

Why Aren’t Annuities Popular Among Retirees?

Why Aren’t Annuities Popular Among Retirees?

Could a defined-contribution retirement savings plan introduced in 1918 provide answers to one of the most perplexing 401(k) questions? Yes,...

SC Justices Uphold The Changes To Medicare Payments To Low-Income Hospitals.

SC Justices Uphold The Changes To Medicare Payments To Low-Income Hospitals.

In June, the Supreme Court maintained a 2005 rule that reduced the additional Medicare payments hospitals receive for seeing a...

Why Should Seniors Expect a Smaller Social Security Increase in 2023?

Why Should Seniors Expect a Smaller Social Security Increase in 2023?

It's no secret that inflation is wreaking havoc on many people's budgets. Many customers are trying to make ends meet...

4 Ways to Avoid the FEGLI Trap Right Now

4 Ways to Avoid the FEGLI Trap Right Now

When you initially started working for the federal government, you were handed a bundle of paperwork to sign. It was...

Federal Employee Health Benefits (FEHB) Fast Facts

Federal Employee Health Benefits (FEHB) Fast Facts

OPM's lowest-cost countrywide plan choice will be automatically selected for you if you don't switch plans.The number of providers and...

Three Life Insurance Mistakes to Avoid

Three Life Insurance Mistakes to Avoid

Shopping for life insurance can be complicated, to say the least. It's easy to make mistakes. Here are some of...

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