Webinar: When should you take Social Security?
May 6, 2026
No Comments
When should you take Social Security? A fantastic webinar with Stephen Zelcer, fiduciary advisor to federal employees.
Category: Social Security
Should I delay Social Security to enable larger Roth conversions?
April 23, 2026
No Comments
I know it sounds like a smart move – by delaying your Social Security benefits you’ll have more “headroom” to do larger Roth Conversions. Don’t do it. As mentioned in my earlier article, when you delay Social Security, you’re forced to draw from your own savings to cover living expenses instead. That means that money
Is it worth it to delay Social Security to provide a larger survivor benefit for your spouse?
April 19, 2026
No Comments
Is it worth it to delay Social Security to provide a larger survivor benefit for your spouse? No. I know it sounds smart to leave your spouse a higher benefit than they would receive on their own, but it’s not worth it. Here’s why. As previously noted, delaying Social Security carries a break-even period of
Do I need Medicare? – New Webinar
September 29, 2025
No Comments
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
Webinar – The Social Security Earnings Test, and How to Outsmart it!
July 30, 2024
No Comments
Thinking about taking Social Security early?
Sounds like a good idea, however if you’re earning too much money while taking early Social Security, that can wipe out your benefits. Is there a way to have both? Can you get your Social Security and earn additional income at the same time?
Fake Social Security (w/video)
January 25, 2024
No Comments
Fake Social Security (w/Video) Read the video transcript: Welcome back to the channel. So in a previous video, we spoke about the three legged stool. Somebody who retires at minimum retirement age (MRA), which for many FERS employees is age 57. So they could get their first pension. They could get their Thrift Savings Plan,
Key Milestones in the Career of a Federal Employee [Updated]
October 21, 2022
No Comments
Key Milestones in the Career of a Federal Employee – Updated I’ve seen it many times. Federal employees who thought they would only spend a few years as a Fed and move on, only to find themselves still a Fed 20+ years down the road. This unintentional floating along in a Federal job can be
Updated: When to take Social Security
May 24, 2021
No Comments
Updated: When to take Social Security Question: Should I take Social Security early, or on time, or late? Answer: It depends. Below are two reasons why I generally recommend to take it as early as possible. I also provide 3 exceptions to my general recommendation. Reason #1 – Social Security is scheduled to cut benefits
How will my social security impact my CSRS offset pension?
May 3, 2021
No Comments
How will my Social Security impact my CSRS Offset Pension? CSRS-offset has got to be one of the more obscure, challenging areas of federal retirement. CSRS-offset retirees have a retirement benefit which combines CSRS and Social Security. The CSRS portion, however, will be reduced by the amount of Social Security earned while employed in CSRS-offset.The
Should I take my divorced spousal Social Security benefit? – Q&A
October 5, 2020
No Comments
Q&A: Should I take my divorced spousal Social Security benefit? Question Hello Mr. Zelcer: I just turned 66 in March and is planning to retire from Federal Service the end of January 2021. I am eligible to receive my divorced spouse benefit under Social Security. My question is it worth it to take my ex-spouse
