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

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

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 be

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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 positive

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Bull and bear market tsp report investment
TSP Report

TSP Planning Report May 2020

Facts: Unemployment reads 14.7%, with the most recent number of unemployment claims reaching 39 million The Fed Funds interest rate has been lowered to between 0% – 0.25%• Q1 GDP read -4.8% according to the first estimate. PMI contracted to a jaw dropping 41.5% The S&P 500 (C Fund) increased 12.8% during the month of

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should I self insure for long term health care?
Healthcare

New Webinar – Can you self-insure for Long Term Care?

Long Term Care is a challenge to plan for. It’s a potentially large expense that can thwart the best of retirements. It’s the great “what if?” of retirement planning, and you’ll want to make sure you plan for it correctly.  But the planning may not require a long term care insurance policy. Join my in my

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financial advice for federal employees
TSP Report

TSP Planning Report April 2020

Facts: Unemployment reads 4.4%, but unemployment claims reached 26 million, which would translate to 11% The Fed Funds interest rate has been lowered to between 0% – 0.25% Current GDP has not been released, but based on available data GDP is projected to decline -5.9% PMI contracted slightly, with the index reading to 49.1%. The

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