Federal Retirement – Stephen Zelcer

creating a retirement investment strategy

Pre-Retirement Seminar for Federal Employees

August 19, 2024 No Comments

FERS Pre-Retirement Seminar Date: December 4-5, 2024Time: 9am – 4pm ETLocation: Virtual Zoom Class FERS Pre-Retirement Seminar Date: December 4-5, 2024Time: 9am – 4pm ETLocation: Virtual Zoom Class Time to Plan Your Financial Future Join Stephen Zelcer for an intensive, two-day training designed to prepare Federal Employees for retirement. Stephen’s fast-paced, content-rich classes have empowered thousands

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What is the best day to retire? – Live Webinar

July 7, 2024 No Comments

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

Federal Employee Benefits

November 20, 2023 No Comments

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

Fiduciary advice for federal employees

November 17, 2023 No Comments

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

Is it better to retire with the biggest balance of leave, or to spend down your leave? (with video)

October 20, 2023 No Comments

Is it better to retire with the biggest balance of leave, or to spend down your leave? Read the video transcript: Welcome back to the channel. I want to ask a very simple question. What’s better to retire with the biggest balance of leave possible, or is it better to spend down your leave as

Unusual things to know about retiring December 31st 2022

August 3, 2022 No Comments

Unusual things to know about retiring December 31st December 31st is always a popular retirement date, but this year, 2022, it’s especially popular – because this year December 31st is also the last day of a pay-period, and last day of the month, and the last day of the leave year – a trifecta! What’s

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Q&A – Funding & Replenishing the 10-year bucket

October 26, 2021 No Comments

Q&A – Funding & Replenishing the 10-year bucket Question Hi Stephen, I set up the 10-year conservative bucket, as you instructed. It represents 10-years of investment income. I love the idea! I just had some questions: When do I draw income from the conservative bucket, and do I need to replenish the conservative bucket as some point? If yes,

Will I need a double RMD in 2021?

November 9, 2020 No Comments

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

EARLY OUTS & BUYOUTS: WHAT IS IT? SHOULD YOU DO IT?

May 24, 2017 No Comments

Definitions Early outs and buyouts are in the air, and federal employees are scrambling to make their retirement decisions. Below are the technical details that surround early outs and buyouts. Those who know the technical details can skip to the very end of the article where I deal with the pressing question of “Should you do it?” First,

IS RETIREMENT BETTER AT END OR BEGINNING OF YEAR?

October 9, 2016 No Comments

October 9, 2016 3:30 am Published by Stephen Zelcer I often hear people say “I’d rather retire sooner than later.” But when the choice of retirement dates is just a matter of a few months, then people often assume there’s not much difference between sooner or later. What difference does a few months make? Here are some

Category: Federal Retirement