What happens to your TSP when you Die? What happens to your TSP when you die? Of course, the money needs to go somewhere, to someone, but are there any best practices? Join me in my upcoming webinar and we’ll explore the following: various TSP beneficiaries – spouse vs non-spouse tax ramifications putting the TSP into
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
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
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
Q&A Should I retire before the proposed legisation takes affect? Question I’m concerned about the recent legislative proposal regarding the possible elimination of the FERS Annuity Supplement, as well as changing from high-3 to high-5. My plan to retire this December could be negatively impacted if this passes. Do you think I should retire sooner
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
RIF & your retirement benefits Yes, if there’s a RIF, you may be eligible for an immediate pension and continuation of your FEHB. As shocking as this sounds, it’s actually pretty straight forward. With a RIF, you may be eligible for a retirement known as Discontinued Service Retirement (DSR). DSR applies to employees who are
VERA and Accessing your TSP before 59.5: The general rule for Traditional retirement accounts such as IRAs, 401(k)s, TSP is that they can only be accessed at age 59.5. If you dare access them before 59.5, the IRS slaps you with a 10% early access penalty. But there are two notable exceptions to the age
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
I’m sure you got the memo. President Trump is offering something that appears to be 8 months’ severance pay. You could stop working on Feb. 6th, collect payment and full benefits until the end of September, and then end your federal employment at the end of September. Should you do this? First of all, please
Stephen Zelcer © 2026 All rights reserved
Made by TB
