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  <title>Episode 97: Federal Employee Listener Mail - Survivor Benefits, IRA Rollovers, and Small Pensions</title>
  <description>What if your federal pension is small and you’re not relying on it—should you still elect survivor benefits? In this episode, John and Tommy respond to a listener’s detailed YouTube question about pensions, TSP, and survivor benefits when service time is short and other retirement savings are strong. They break down the real value of keeping survivor benefits, even when your pension isn’t your main income stream. Access the full show notes at Mason &amp;amp;amp; Associates, LLC  Resources Mentioned:  Mason &amp;amp;amp; Associates: LinkedIn Tommy Blackburn:&amp;amp;nbsp;  LinkedIn John Mason: LinkedIn  Federal Employees - DO NOT Decline Survivor Benefits!&amp;amp;nbsp;  </description>
  <author_name>Federal Employee Financial Planning Podcast</author_name>
  <author_url>https://www.masonllc.net</author_url>
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