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
I often hear people say “I’d rather retire sooner than later.” But when the choice of retirement dates is just a matter of a few months, then people often assume there’s not much difference between sooner or later. What difference does a few months make? Here are some important differences to consider. Advantage of end-of-year
Facts: Unemployment came in at 3.6%. 4th Quarter GDP was 2.1%, according to the 1st estimate. PMI expanded, with the index reading to 50.9%. The S&P 500 (C Fund) decreased .04% during the month of January. Assessment: PMI has returned to expansion territory – that’s a good sign. 2.1% quarterly GDP is just okay – nothing
Facts: Unemployment remained at 3.5%. 3rd Quarter GDP was 2.1%, according to the 3rd estimate. PMI was contracted again, with the index reading to 47.2%. The S&P 500 (C Fund) increased 3.01% during the month of December. Assessment: PMI has contracted for the 4th consecutive month. Not wonderful news. 2.1% quarterly GDP is just okay
How much reserves should you have in your rainy day fund? If you think about it, a rainy day fund is primarily for emergency use when something “goes wrong.” As such, it is essentially a form of insurance. The question now becomes, how much rainy day “insurance” should you have?Join me in my upcoming webinar
Stephen Zelcer’s TSP Planning Report for the month of December. Find out how the different portfolios are looking. Sign up for a free month to see what you are missing.
What’s better? FSA or HSA? Can you do both? Both of these plans are available thru FEHB this open season. Understanding the advantages of each can translate into thousands of dollars a year, year after year! Join me in my upcoming webinar – FSA, HSA or Both? – Which strategy will save you the most
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