Do I need Medicare? – New Webinar Medicare Part B costs thousands of dollars a year. And they threaten you with penalties if you don’t take it. You already have FEHB. Do you need both? Thursday October 30th 11am ET In this webinar I explain: The costs of Medicare When you need to worry about Medicare penalties
Should I front-load money into the TSP in the year I retire? Read my answer to this question from a federal employee about retirement and their TSP
New Webinar – Financial Questions & Answers with Stephen Zelcer With all the recent changes for federal employees, I’m sure you’ve been asking yourself some new questions about your federal benefits and your money. Now’s the time to address them. Join me for a Q&A on personal finance, retirement and federal benefits. I want to
Calculating the Non-Taxable Portion of your Annuity Question Hi Stephen, I just received my 1099-R from OPM. In the box that says “Taxable Annuity Amount” they write “unknown.” What in the world does that mean? Answer Almost all of your annuity is taxable, however a portion of your annuity is not taxable.Which portion? The portion you’ve
Q&A – How to opt-out of Medicare B Question Hey Stephen! My husband retired and already collecting Social Security, He is turning 65 this summer. We understand that since he’s collecting Social Security, he will automatically be enrolled in both Medicare A & B when he turns 65. We don’t want to take Medicare B,
Q&A – Accessing your TSP at age 55 Question Stephen, I was in one of your classes earlier this year and have a question if that is OK. I am retiring the end of December just over MRA at 57. I have 33 years of service. I plan to take the Social Security Supplement. It
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 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,
Q&A – Which retirement account should I take money from? Question Dear Stephen, We have identified a house which isn’t on the market yet but will be soon. The asking price will probably be 1.5 million and I want to put $650,000 down on it. My question is where/how do I take my money out
Q&A – Should I avoid Medicare Part A just to participate in an HSA? Question Hi Stephen,do you have a blog page or any other reference material that advises fed employees who have HDHP health plans with an HSA and who just turned 65 and who don’t plan to retire for a few years if
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