Category: Financial Planning

tsp report april 2025

TSP Planning Report: April 2025

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

Read More »
Trump severance offer,federal employee resignation,early retirement federal workers,government severance pay,FEHB retirement benefits,TSP withdrawal advice,voluntary early retirement,federal workforce reduction,RIF government employees,Stephen Zelcer financial advice

Should you take the “Deferred Resignation” Offer?

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

Read More »
trump,federal employee,doge,retirement,retirement benefits

Trump’s 2.0: Should I Be Concerned?

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

Read More »
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

Read More »
OPM

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

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

Read More »
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

Read More »
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

Read More »