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

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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financial questions and answers with Stephen Zelcer
Financial Advice

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 thing! I want to harness this new perspective and apply

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TSP Report

Special TSP Planning Report March 2020

Facts before the Coronavirus meltdown: Unemployment came in at 3.5%. 4th Quarter GDP was 2.1%, according to the 2nd estimate. PMI expanded, with the index reading to 50.1%. The S&P 500 (C Fund) decreased -8.24% during the month of February. Projections after the Coronavirus meltdown: Unemployment range 9% – 30% !!!!!  To put in perspective,

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financial advice for federal employees
Medicare

Watch Now – Should you take Medicare?

Watch Now – SHOULD YOU TAKE MEDICARE? Medicare Part B costs thousands of dollars a year. And they threaten you with penalties if you don’t take it. You already have FEHB. Do you need both?Watch my video – Should you take Medicare? In this video I explain: The costs of Medicare When you need to worry about

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7 financial questions you are probably asking yourself right now
The Market

7 Financial Questions you are probably asking yourself Right Now

7 Financial Questions you’re probably asking yourself now These past few weeks I’ve been fielding questions from financially conscious people who want to know how to navigate the current economic environment.  They know something big is happening but don’t know which way to run with it. They’ve heard the adage “when people are greedy, be

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