financial planner Stephen Zelcer

Category: Financial Advice

New Webinar – How much rainy day money do you really need?

How much rainy day money do you really need? If you think about it, a rainy day fund is primarily for emergency use when something “goes wrong.” As such, it is essentially a form of insurance. The question now becomes, how much rainy day “insurance” should you have?Join me in my upcoming webinar – How much

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TSP Planning Report September

TSP Planning Report September 2023 Facts: The G Fund rate for September 2023 increased to 4.25%. The Fed Funds interest rate increased to 5.5%. This month’s unemployment rate increased from 3.5% to 3.8%. The 2nd Estimate for Q2 GDP came in at 2.1%. PMI (Purchasing Managers Index) expanded ever-so-slightly after 3 months of contracting, reading

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Goals & Inefficiencies: What you should get out of your Financial Plan

Recheduled Webinar: Goals & Inefficiencies: What you should get out of your Financial Plan

Goals & Inefficiencies: What you should get out of your Financial Plan The financial planning industry is loaded with “financial planners” that are really product pushers. Unfortunately, this has resulted in many people avoiding the financial planning practice altogether, dismissing it as being just a sales tactic. However, not having a financial plan usually causes

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what are the alternatives to the G Fund

What are the Alternatives to the G fund?

Alternatives to the G fund –Even when the Debt Ceiling is not threatening the G Fund: Alternatives to the G Fund: Before I get into the Debt Ceiling and its relationship with the G fund, I first want to begin by sharinghow I help clients re-create G fund benefits outside the TSP. Here’s what investors

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guide to federal employees benefit milestones

Key Milestones in the Career of a Federal Employee [Updated]

Key Milestones in the Career of a Federal Employee – Updated I’ve seen it many times.  Federal employees who thought they would only spend a few years as a Fed and move on, only to find themselves still a Fed 20+ years down the road.  This unintentional floating along in a Federal job can be

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TSP Planning advice for Federal Employees

TSP Planning Report January 2022

TSP Planning Report January 2022 Facts: The G Fund rate for January 2022 was set at 1.625%. This month’s unemployment rate decreased from 4.2% to 3.9%.  Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at

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Header image from Should I use my TSP to start a business

Should I use my TSP to start a business?

Q&A – Should I use my TSP to start a business? (This article originally appeared as Ask Bob: Do I Qualify For a TSP Hardship Withdrawal – here) Question My wife and I started a business, but due to COVID, materials, construction prices dramatically increased and permitting delays we have not been able to open

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