financial planner Stephen Zelcer

TSP Planning Report June 2023

TSP Planning Report June 2023 Facts:  The G Fund rate for June 2023 increased to 3.875%.   The Fed Funds interest rate decreased to 5.07%. It was 5.25% just a month ago.    This month’s unemployment rate increased from 3.4% to 3.7%.   PMI (Purchasing Managers Index) expanded for the 3rd straight month, reading 53.0 this month (any

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Coordinating your TSP with your other investments

New Webinar – Coordinating your TSP with your other investments

New Webinar – Coordinating your TSP with your other investments The TSP is just one piece of the puzzle. If you have other investment accounts, you can coordinate them with your TSP so that you can position the correct assets in the correct account. This will help you pay less in taxes and be strategic

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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

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Image for Should I frontload my HSA investment?

Q&A: Should I front-load my HSA investment?

Q&A – Should I front-load my HSA investment? Question Hey Stephen!   We opened an HSA this year!  I’m excited to fund it and have the money invested.    We have the cash and we can front-load the entire HSA contribution now at the beginning of the year.   Is it better to front-load all the money now, and

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TSP Planning Report – May 2021

May 2021 TSP Planning Report:   Facts: This month’s unemployment rate increased to 6.1% from last month’s 6.0%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 60.7, compared to last month’s 64.7. The S&P 500 (C Fund) increased 5.33% in April compared to 4.38%

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Webinar - Are the new L Funds any good?

Live Webinar – Are the new L Funds any good?

Live Webinar: Are the New L-Funds any good? Last month the TSP introduced new L funds and made a bunch of changes to the existing L funds.   Is that a good thing?  Well, let’s just say I’m not thrilled.  It’s time to revisit and reevaluate the L funds and see which, if any, are a

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Not timing the Market, but time in the Market.

I know the market has been a scary place these past couple of months.  Is now the time to get out? Or get in?  How should you deal with this market volatility? I have a short explainer video that goes thru the thinking and math regarding this decision.  https://youtu.be/OgixvCTcOlo If you would like to work

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federal employees financial expert

8 KEY DIFFERENCES BETWEEN AN IRA AND THE TSP

As you approach retirement, you will likely ask yourself if you are better off keeping your money in the TSP, or are you better off rolling your TSP into an IRA? To answer that question we’ll need to point out that both options have their PROs and CONs.  I’ll let you be the judge…. Here

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