Coordinating Your Traditional, Roth, and Non-Qualified Investments Coordinating Your Traditional, Roth, and Non-Qualified Investments Most people think about their investments one account at a time. Their TSP here. Their brokerage account there. Maybe a Roth IRA on the side. Each account gets evaluated on its own merits, managed in its own lane, and ignored in
TSP Report March 2026 Facts: The second estimate for Q4 2025 Gross Domestic Product (GDP) was released on February 20th and indicated the economy grew at a 7% annualized rate during the quarter. The Federal Reserve met on March 17-18 and voted to leave interest rates unchanged. The Federal Reserve tends to make policy decisions
https://youtu.be/B5YdfFB_lgY Financial Questions & Answers Part 3 – The Insurances FEHB Coverage After Retirement and Qualifying Events Let us move on to the next series of questions, which focus on insurance. Jill asks: My husband and I are both federal employees, both over 50, each with at least 20 years of service. My husband has
2025 marked the third consecutive year of double-digit returns for the S&P 500 Index. Domestic stocks were exceptionally volatile and kicked off the year with a 19.2% drop through April before rebounding by 37.4% through December (for a net annual gain of 16.4%). Sector-wise, technology reigned supreme, with the S&P 500 Technology and Communication Services
https://youtu.be/E6YyQLU5elo Declining a Relocation Offer and RIF Eligibility Okay. Let’s move on to the second grouping of questions, which have to do with rifs, the reduction in force. So let’s start with Stefan’s question first. Question over here. I’m probably being removed from federal service this month for declining to relocate. I’m also eligible for
https://youtu.be/6fi1FXBpqM4 Financial Questions & Answers with Stephen Zelcer Part 1 – Threats to Federal Benefits Let’s get into the questions. There were a lot of questions. Some of them had common themes, so I try to lump the questions or the questions with common themes together. So let us try to tackle some of those
Economic News We are all noticing the stock market sink. Clearly investors are not happy where the economy is heading. Here are the facts: This is a mix of bad and good data. Nothing to justify the drop in the market. So what’s going on? In my previous report, I highlighted 6 Trump policies to
Join me in my upcoming webinar: “Goals & Inefficiencies – the Core of Financial Planning” and we’ll address the three broad benefits of financial planning:
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
Thinking about taking Social Security early?
Sounds like a good idea, however if you’re earning too much money while taking early Social Security, that can wipe out your benefits. Is there a way to have both? Can you get your Social Security and earn additional income at the same time?
