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:

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My Articles

do you need life insurance image
FEGLI

FEGLI, Survivor Benefits, or Self-Insurance? Live Webinar

FEGLI, Survivor Benefits, or Self-Insurance? Live Webinar Do you need life insurance?  I know some people assume life insurance is a ‘must have’, but is it?    And if you do need life insurance, how much?  And which type of life insurance is the best? Close analysis of this topic will show that your insurance

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HSA

Q&A: Should I front-load my HSA investment?

Q&A – Should I front-load my HSA investment? Question Hey Stephen!   We opened an HSA this year!  I’m excited to fund it and have the money invested.    We have the cash and we can front-load the entire HSA contribution now at the beginning of the year.   Is it better to front-load all the money now, and

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Retirement Portfolio

TSP Planning Report December 2021

December 2021 TSP Planning Report:   Facts: This month’s unemployment rate decreased from 4.6% to 4.2%.  Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 61.1, compared to last month’s 60.8. The S&P 500 (C Fund) decreased .69%

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Accessing your TSP at age 55
Q&A

Q&A – Accessing your TSP at age 55

Q&A – Accessing your TSP at age 55 Question Stephen, I was in one of your classes earlier this year and have a question if that is OK. I am retiring the end of December just over MRA at 57. I have 33 years of service. I plan to take the Social Security Supplement. It

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Header image from Should I use my TSP to start a business
Debt

Should I use my TSP to start a business?

Q&A – Should I use my TSP to start a business? (This article originally appeared as Ask Bob: Do I Qualify For a TSP Hardship Withdrawal – here) Question My wife and I started a business, but due to COVID, materials, construction prices dramatically increased and permitting delays we have not been able to open

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TSP Planning Report for 2021
TSP

November TSP Planning Report 2021

November 2021 TSP Planning Report: Facts: This month’s unemployment rate decreased from 4.8% to 4.6%.  Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 61.1, compared to last month’s 60.8. The S&P 500 (C Fund) increased 7% in

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