What are the Alternatives to the G fund?
January 24, 2023
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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
Key Milestones in the Career of a Federal Employee [Updated]
October 21, 2022
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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
TSP Planning Report January 2022
January 27, 2022
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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
Should I use my TSP to start a business?
November 30, 2021
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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
Q&A – Funding & Replenishing the 10-year bucket
October 26, 2021
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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,
Do you need a Trust? – New Live Webinar
August 4, 2021
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Do you need a Trust? – New Live Webinar A trust costs a few thousand dollars. And it seems everyone is doing it. Why? Should you, too? In this webinar you will learn: • The benefits of a trust • The benefits people assume a trust provides, but doesn’t • Whether a trust will solve
New Webinar – Financial Questions & Answers with Stephen Zelcer
October 1, 2020
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New Webinar – Financial Questions & Answers with Stephen Zelcer If there’s one thing Covid-19 has done to us all, it has changed our natural mode of operation and introduced a new dynamic into our lives. As such, things that we previously did without thinking are now being reevaluated. That can actually be a good
Q&A: Is the FSA better than the HSA?
July 21, 2020
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Q&A: Is the FSA better than the HSA? Question My wife and I are expecting a baby in June. You made clear that an FSA is the better choice for someone who is anticipating a year filled with high medical expenses… but I didn’t understand exactly why. Would you mind elaborating very briefly why the
Sign Up for a “Taste” of Financial Planning w/ Stephen
May 21, 2020
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