Should you take the “Deferred Resignation” Offer? I wanted to share the general guidance I’ve been giving my clients. Although this should not be viewed as personalized advice, I hope it helps clarify the thinking that surrounds this “fork in the road” decision. If you need my assistance, please email me. stephen@stephenzelcer.com Wishing you all the best, Stephen
New Webinar: Trump’s 2.0: Should I Be Concerned? People have expressed worry about President Trump’s 2nd term. Join us in this class where we’ll review some of the common concerns and see which, if any, are valid. Key Topics: Job Security and Career Planning: Planning for possible reductions in force (RIFs) or early outs. Retirement Benefits
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
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
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
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? 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 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
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,
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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