TSP questions with Stephen Zelcer

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

Q&A: 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

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thanksgiving message for federal employees

Happy Thanksgiving from Stephen Zelcer

Hi, I don’t want to call out individuals by name, but I certainly want to express my gratitude to the following groups of people: Those who have spoken kind words to me: I started this business 11 years ago. I must admit, during my first 5-6 years, I thought I wasn’t going to make it.

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pre-retirement planning seminar


Question: How do my federal benefits impact my estate? Answer: To frame the answer to this question I will add another question – Why is that important?  By understanding the impact your benefits have on your estate you should be able to get the: Quickest distribution of your assets Correct distribution of your assets Maximum distribution

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