Financial Planning – Stephen Zelcer

Video – Q&A – Part 2 – RIF (Reduction in Force) & Retirement Eligibility Scenarios

November 7, 2025 No Comments

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

Video – Financial Questions & Answers with Stephen Zelcer Part 1 – Threats to Federal Benefits

September 16, 2025 No Comments

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

Investment Sales & Account Manager

July 18, 2025 No Comments

Investment Sales & Account Manager – Position Description STEPHEN ZELCER Investment Sales & Account Manager Position Overview The Investment Sales and Account Manager is responsible for creating investment proposals, meeting with prospects to present portfolios, completing and processing all necessary documentation, establishing accounts, executing trades, processing transaction requests, and coordinating with the client’s financial advisor

TSP Planning Report: April 2025

April 22, 2025 No Comments

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

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Should you take the “Deferred Resignation” Offer?

February 4, 2025 No Comments

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 – Goals & Inefficiencies – The Core of Financial Planning

January 26, 2025 No Comments

Join me in my upcoming webinar: “Goals & Inefficiencies – the Core of Financial Planning” and we’ll address the three broad benefits of financial planning:

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Trump’s 2.0: Should I Be Concerned?

January 17, 2025 No Comments

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

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What to do with cash sitting in savings that I might need in the mid-term?

December 17, 2024 No Comments

What to do with cash sitting in savings that I might need in the mid-term. Question Hi Stephen, Do you have any suggestions on what we can do with our cash, besides just putting it in a savings account? This is not retirement money, but it’s also not money needed in the next 3 years.

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

July 18, 2023 No Comments

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

OPM has Suspended Enrollment for the Federal Long Term Care Insurance Program

December 19, 2022 No Comments

OPM has Suspended Enrollment for the Federal Long Term Care Insurance Program In case you haven’t heard, the U.S. Office of Personnel Management (OPM) is temporarily suspending applications for coverage in the Federal Long-Term Care Insurance Program (FLTCIP) to allow their agency and the FLTCIP Carrier to thoroughly assess their benefit offerings and establish sustainable premium rates. OPM

Category: Financial Planning