September 2016

Now is the Time for Life Insurance

It’s finally September 1st, and that means FEGLI open season has begun. There has never been a better time to brush up on all the Life Insurance options available to Federal Employees. The last time this happened was in 2004! There is so much to learn about all the possible Life Insurance options and instead of spending the time to get you to sit down and listen to me rant about all the different programs available, I’ve written it all down. And it’s available for FREE for you, right now! All you have to do is click this link: https://tspplanning.com/fegli-ebook/ Now, don’t get me wrong, it’s a lot of information. But it’s all very important if you want to make sure you are getting the most out of your Life Insurance plan. I’ve spent so much time researching and developing a detailed understanding about every program being offered, and I’ve outlined... View More

August 2016

It’s almost FEGLI Open Season, are you prepared?

Next Thursday, September 1, 2016, the FEGLI gates will open.  This is the long awaited “open season.”  The last time this happened was 2004. Many people will assume this is a great opportunity to get more FEGLI coverage.   I view it as an opportunity to question whether FEGLI, or any other form of life insurance, is appropriate for you. To that end, I’ve created another resource to help Federal Employees.  It’s my new eBook “Better than FEGLI – Life Insurance strategies that save money and build wealth for Federal Employees” This eBook will: Help you calculate the appropriate amount of insurance you need (using actual worksheets!) Compare all your life insurance options Show you how your life insurance decision today can either be wealth-building or wealth-depriving. Click here to get your FREE copy. I’m looking forward to hearing any and all questions you have about your personal Life Insurance goals. Comment below... View More

August 2016

Double Blogging…Is that a thing?

I am very excited to announce that I have been accepted as a feature blogger on Govloop.com! GovLoop is the “Knowledge Network for Government” – the premier social network connecting over 250,000 federal, state, and local government innovators. It is a great resource to connect with peers, share best practices, and find career-building opportunities. And now, you can find me as well as a few other bloggers sharing our knowledge that we’ve worked hard to collect, all for your benefit! My first article, focusing on Thrift Savings Plan planning, can be found here. Would love to hear what resources you use to keep up to date with financial management and proper savings planning. Post below in the comment section!

July 2016

Making your TSP work with your outside investments

A mistake that Federal Employees make with their TSP is NOT coordinating their TSP with their outside investments.  This mistake is very common and has many different applications. Here’s a true story to illustrate: My client (at that time they weren’t yet a client) took me up on my free consultation offer.  One of the points we discussed was maximizing their investments.  They showed me their investment portfolio totaling about $1 million. Pay attention to the following details of their portfolio: Their $1 million was split between their TSP and their regular investment account (the technical term for “regular” account is “non-qualified”).  That means they had about $500k in TSP and $500k in the non-qualified account. Each account had the same stock/bond mix which was pretty much exactly 50% stock and 50% bond. I usually need to know a ton of info about a person before I can make any investment recommendation, however in this case... View More

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