I already received the calls and emails from various clients saying they have moved their entire TSP into the G fund. I understand them. It’s not “crazy.” But it’s not what I’m doing for my own accounts (my wife is a Fed, she has a TSP, and she has not adjusted her TSP allocation one
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
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
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
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.
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 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
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
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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