The new TSP Roth conversions are all the rage these days. People are excited and many think that it must be the right thing to do. But is it? The answer is “it depends!” Join me as we explore what conditions make a TSP Roth Conversion, or any Roth Conversion, right for you. In this
https://youtu.be/B5YdfFB_lgY Financial Questions & Answers Part 3 – The Insurances FEHB Coverage After Retirement and Qualifying Events Let us move on to the next series of questions, which focus on insurance. Jill asks: My husband and I are both federal employees, both over 50, each with at least 20 years of service. My husband has
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
2025 marked the third consecutive year of double-digit returns for the S&P 500 Index. Domestic stocks were exceptionally volatile and kicked off the year with a 19.2% drop through April before rebounding by 37.4% through December (for a net annual gain of 16.4%). Sector-wise, technology reigned supreme, with the S&P 500 Technology and Communication Services
TSP Report December 2025 Facts: The government shutdown ended on November 12th and previously delayed economic and labor market data has trickled in since. The unemployment rate in September ticked up by 0.1% to 4.4%. The G Fund interest rate fell from 4.25% to 4.125% in November. The US Purchasing Managers Index (PMI) increased to
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
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
TSP Report November Facts: The Federal Reserve reduced its benchmark “Federal Funds Rate” range from 4.00-4.25% by another 0.25% to 3.75%-4.00% at its October 29th The G Fund rate has not been updated due to the government shutdown, although it is still earning interest during this time. We estimate the current rate to be either
New Webinar FSA vs HSA – Which is better for you? Both of these plans are available thru FEHB this open season. Understanding the advantages of each can translate into thousands of dollars of savings every year. Join me now in my new webinar, Tuesday December 2nd 11am ET: FSA, HSA or Both? – Which
TSP Report October 2025 Facts: The Federal Reserve cut its benchmark “Federal Funds Rate” range from 4.25%-4.50% to 4.00%-4.25%. The G Fund rate, which can be influenced by Federal Reserve policy, fell by 0.125% in September to 4.250%. The unemployment rate ticked up to 4.3% while job growth continues to soften. Evidence of substantial layoff
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
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
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