Financial Guidance
for Federal Employees

See how I can help you organize, strategize and maximize your benefits & your money

Financial Guidance for Federal Employees

See how I can help you organize, strategize and maximize your benefits & your money

some of the Federal Agencies I've worked with:

Some of the Federal Agencies I've worked with:

My Blog

Q&A: Should I retire early via VERA from federal service?

Q&A: Should I retire early via VERA from Federal Service? Question I may have the opportunity to retire early via VERA from federal service and am wondering if it would be a smart move financially?   I’m 50 now and my MRA is 56yrs/8mos, therefore I would essentially be retiring 6 years early, thus losing 6%

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how should I invest my TSP this month?
Retirement

TSP Planning Report July 2020

Presidential Election:
Of course, we cannot ignore the elections. Seems every presidential election is a high-drama, “do or die” mentality for Americans. Understandably so.
But the stock market doesn’t seems to be so dramatic come election time. Here’s a collection of market responses to elections dating back to 1980:

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is the fsa better than the hsa?
Financial Advice

Q&A: Is the FSA better than the HSA?

Q&A: Is the FSA better than the HSA? Question My wife and I are expecting a baby in June.  You made clear that an FSA is the better choice for someone who is anticipating a year filled with high medical expenses… but I didn’t understand exactly why.  Would you mind elaborating very briefly why the

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Is the 3-legged stool (FERS + SS + TSP) enough?
Federal Benefits

Q&A: Is the 3-legged stool (FERS + SS + TSP) enough?

Is the 3-legged stool enough? Question: I am contributing 5% to my TSP, getting the maximum agency match, and I’m also paying into Social Security and the Federal Employee Retirement System (FERS).  Is that going to be enough to retire on? Answer: I want to answer this question on two levels.  The first level will

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TSP Planning Report 2020 from Stephen Zelcer
TSP Report

TSP Planning Report June 2020

Facts: Unemployment reads 13.3%. The Fed Funds interest rate remains between 0% – 0.25% Q1 GDP read -5% according to the 2nd estimate.   PMI contracted to a jaw dropping 43.1% The S&P 500 (C Fund) increased 4.76% during the month of May. Assessment: The above facts are improved compared to last month’s report.   But, such

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