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

what should I do with my TSP for the election?
TSP Report

TSP Planning Report October 2020

TSP Planning Report October 2020 Facts: Unemployment continued to drop.  This month’s unemployment rate came in at 7.9%, compared to last month’s 8.4%. PMI (Purchasing Managers Index) continued to expand. This month’s reading came in at 55.4, compared to last month’s 56. The S&P 500 (C Fund) dropped 3.8% during the month of September.  The

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Social Security

Should I take my divorced spousal Social Security benefit? – Q&A

Q&A: Should I take my divorced spousal Social Security benefit? Question Hello Mr. Zelcer: I just turned 66 in March and is planning to retire from Federal Service the end of January 2021.  I am eligible to receive my divorced spouse benefit under Social Security.  My question is it worth it to take my ex-spouse

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federal benefits question and answer?
Financial Advice

New Webinar – Financial Questions & Answers with Stephen Zelcer

New Webinar – Financial Questions & Answers with Stephen Zelcer If there’s one thing Covid-19 has done to us all, it has changed our natural mode of operation and introduced a new dynamic into our lives. As such, things that we previously did without thinking are now being reevaluated. That can actually be a good

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TSP report for September
The Market

TSP Planning Report September 2020

TSP Planning Report September 2020 Facts: Unemployment continued to drop.  This month’s unemployment rate came in at 8.4%, compared to last month’s 10.2%. PMI (Purchasing Managers Index) continued to expand. This month’s reading came in at 56, compared to last month’s 54.2. The S&P 500 (C Fund) increased 7.19% during the month of August.  This

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