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

Coordinating your TSP with your other investments
Investment

New Webinar – Coordinating your TSP with your other investments

New Webinar – Coordinating your TSP with your other investments The TSP is just one piece of the puzzle. If you have other investment accounts, you can coordinate them with your TSP so that you can position the correct assets in the correct account. This will help you pay less in taxes and be strategic

Read More »
Investment

TSP Planning Report – May 2021

May 2021 TSP Planning Report:   Facts: This month’s unemployment rate increased to 6.1% from last month’s 6.0%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 60.7, compared to last month’s 64.7. The S&P 500 (C Fund) increased 5.33% in April compared to 4.38%

Read More »
When should I take social security
Social Security

Updated 2021: When to take Social Security

Updated 2021: When to take Social Security Question: Should I take Social Security early, or on time, or late? Answer: It depends.  Below are two reasons why I generally recommend to take it as early as possible.  I also provide 3 exceptions to my general recommendation.  Reason #1 – Social Security is scheduled to cut

Read More »
CSRS

How will Social Security impact my Federal Pension? (CSRS Offset)

How will Social Security impact my Federal Pension (CSRS Offset) CSRS-offset has got to be one of the more obscure, challenging areas of federal retirement. CSRS-offset retirees have a retirement benefit which combines CSRS and Social Security. The CSRS portion, however, will be reduced by the amount of Social Security earned while employed in CSRS-offset.

Read More »
tsp report for federal employees 2021
TSP

TSP Planning Report – April 2021

TSP Planning Report – April 2021 April 2021 TSP Planning Report: Facts: This month’s unemployment rate lowered to 6.0% from last month’s 6.2%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 64.7, compared to last month’s 60.8. The S&P 500 (C Fund) increased 4.38%

Read More »

Plan YOUR Financial Future

I help Federal Employees Organize, Strategize and Maximize their Benefits and their Money

Choose from 3 Plans

TSP Planner

Monthly TSP Reports Free month
  • Receive my recommended TSP allocations every month.
    Get the first report free.

Financial planner

Get Stephen's guidance to organize your financial life Cancel Anytime
  • One on one consultation, TSP Monthly Reports, Webinar Archives, eBook & more
Popular

One on One

Comprehensive Financial Planning for one year
  • Map out your goals & remove inefficiencies from your financial life

Testimonials

Start Planning your TSP!
Access my TSP Planning calculator & get my most recent TSP Planning Report with my recommended allocations, for FREE!

You have Successfully Subscribed!

Start Planning your TSP!
Access my TSP Planning calculator & get my most recent TSP Planning Report with my recommended allocations, for FREE!

You have Successfully Subscribed!

federal employee financial advisor TSP

A fiduciary advisor specializing in retirement planning and federal benefits

Contact Me

DISCLaimer: This website & the services being offered are independent of, and not endorsed by, the United States Government, the Federal Retirement Thrift Investment Board or the Thrift Savings Plan.

Stephen Zelcer © 2020 All rights reserved

Made by TB