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

What's better: FEHB or Medicare?
FEHB

What’s better: FEHB or Medicare?

What’s better: FEHB or Medicare? Important note:  In this article I am only referring to Medicare A, B and D; I’m not getting into the various Medicare Part C plans (known as Medicare Advantage plans. So, which is better – Medicare or FEHB? While it’s not a fair question because there are dozens of FEHB plans

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What is the difference between FSA and HSA?
Medicare

What is the difference between FSA and HSA? Updated 2020

What is the difference between FSA and HSA? Updated 2020 Both accounts allow you pay for qualified medical expenses with tax-free money (thus avoiding Federal, State, Social Security, and Medicare taxes – usually around a 37.65% tax savings). Here’s how the accounts differ: Contribution Limit: FSA has a maximum contribution limit of $2,750.  HSA limits

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TSP Planning Report November 2020
TSP

TSP Planning Report November 2020

TSP Planning Report November 2020 Facts: Unemployment continued to drop.  This month’s unemployment rate came in at 6.9%, compared to last month’s 7.9%. PMI (Purchasing Managers Index) continued to expand. This month’s reading came in at 59.3, compared to last month’s 55.4. The S&P 500 (C Fund) dropped 2.66% during the month of October.  The

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TSP questions with Stephen Zelcer
Federal Benefits

Will I need a double RMD in 2021?

Q&A: Will I need a double RMD in 2021?  Question Due to the waiving of RMDs in 2020, If I am 71 now and retire in November 2020 when must I take the first RMD from the Thrift Savings Plan? Another way to ask the question is the following: For a person who is 71

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Investment

Should I wait until after the election to get back into the market?

Q&A: Should I wait until after the election to get back into the market? Question Hello Stephen,I am a recent federal retiree that panicked amid the last election outcome by moving my tsp to bonds. I am prepared to dip back into the market but am waiting for the election outcome.Is it wise to wait

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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.

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