financial planner Stephen Zelcer

Category: Federal Benefits

Federal Employee Benefits

Organize Strategize Maximize Watch List of topics Is FERS really a 3 legged stool? In our latest video, we scrutinize the Federal Employees Retirement System (FERS), traditionally described as a three-legged stool comprising the FERS pension, Social Security, and the Thrift Savings Plan (TSP). This analysis is crucial for FERS employees contemplating early retirement, specifically

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Fiduciary advice for federal employees

Organize Strategize Maximize Watch Is FERS really a 3 legged stool? In our latest video, we scrutinize the Federal Employees Retirement System (FERS), traditionally described as a three-legged stool comprising the FERS pension, Social Security, and the Thrift Savings Plan (TSP). This analysis is crucial for FERS employees contemplating early retirement, specifically at the Minimum

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OPM has Suspended Enrollment for the Federal Long Term Care Insurance Program

OPM has Suspended Enrollment for the Federal Long Term Care Insurance Program In case you haven’t heard,  the U.S. Office of Personnel Management (OPM) is temporarily suspending applications for coverage in the Federal Long-Term Care Insurance Program (FLTCIP) to allow their agency and the FLTCIP Carrier to thoroughly assess their benefit offerings and establish sustainable premium rates.  OPM

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image description: calendar with retirement written in red ink

What is the best day to retire? – Live Webinar

What is the best day to retire? What time of year, month, pay-period, day should you retire in order to get the most out of your pension? I will explain how to pinpoint your retirement date, and how the exact date can save you thousands of dollars. Join me as we explore this topic in

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Tsp planning report february 20222

TSP Planning Report February

TSP Planning Report February 2022 Facts: The G Fund rate for February 2022 was increased to 1.825%, from January’s 1.625%. This month’s unemployment rate increased from 3.9% to 4%.  Unemployment was at 6.2% in Feb 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading

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Disability Income for Federal Employees

Disability Income for Federal Employees

Disability Income for Federal Employees If you’ve been a federal employee for at least 18 months, you are covered by FERS Disability.  The FERS disability benefit starts off at 60% of you salary (or hi-3, whichever is higher) only for the first year.  Subsequent years, the disability benefit drops to 40% of your salary.   Two important points

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