Do you need an Annuity?Will you outlive your retirement income and run out of money? Not if you have an annuity! However, not all annuities are created equal, and not everyone needs an annuity. Annuities are insurance products that cost money. And some annuities are irrevocable. But the financial advisors (and the TSP) aggressively peddle these
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
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
New Webinar: 5 Ways to Lower Your Taxes Lower taxes means more money in your pocket. Sounds great! However, when would you like more money in your pocket? Now or later? This is the essence of tax planning. This webinar is designed to help federal employees understand and apply effective tax-lowering strategies while considering both immediate
Trump’s tariff have caused a massive sell off. The stock market is down big time. And investors are obviously worried. Should you be worried too? We will address this in our upcoming webinar, Wednesday April 9th 11am ET. Register Now
Join me in my upcoming webinar: “Goals & Inefficiencies – the Core of Financial Planning” and we’ll address the three broad benefits of financial planning:
Can you Self-Insure for Long-Term Care? Long Term Care is a challenge to plan for. It’s a potentially large expense that can thwart the best of retirements. It’s the great “what if?” of retirement planning, and you’ll want to make sure you plan for it correctly. But the planning may not require a long term care
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?
What is the best day to retire? What time of year, month, pay-period, day should you retire in order to get the most out of your pension? I will explain how to pinpoint your retirement date, and how the exact date can save you thousands of dollars. Join me as we explore this topic in
Divorce. What does “your half of everything” really mean? Divorce? Will you lose half of everything? We all understand that when a couple gets divorced there’s a financial division as well. The question is: which assets are included and which assets are excluded from the division? Also, whichever assets are going to be split, how
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