My Blog

My Blog


Recent Blog Posts

TSP planning report for January 2020
TSP Report

TSP Planning Report – January 2020

Facts: Unemployment remained at 3.5%. 3rd Quarter GDP was 2.1%, according to the 3rd estimate. PMI was contracted again, with the index reading to 47.2%. The S&P 500 (C Fund) increased 3.01% during the month of December. Assessment: PMI has contracted for the 4th consecutive month.  Not wonderful news. 2.1% quarterly GDP is just okay

Read More »
Financial Advice

New Webinar – How much Reserves should you have in your Rainy Day Fund?

How much reserves should you have in your rainy day fund? If you think about it, a rainy day fund is primarily for emergency use when something “goes wrong.” As such, it is essentially a form of insurance. The question now becomes, how much rainy day “insurance” should you have?Join me in my upcoming webinar

Read More »


What’s better? FSA or HSA? Can you do both? Both of these plans are available thru FEHB this open season. Understanding the advantages of each can translate into thousands of dollars a year, year after year! Join me in my upcoming webinar – FSA, HSA or Both? – Which strategy will save you the most

Read More »
financial advice for federal employees

New Webinar – Should you take Medicare?

Webinar – SHOULD YOU TAKE MEDICARE? 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? Join me in my upcoming webinar – Should you take Medicare? Thursday November 7th 2019 In this Webinar I will explain: The

Read More »
TSP Report for October
TSP Report

TSP Planning Report – October 2019

Facts: PMI contracted again, with the index reading to 47.8%. 2nd Quarter GDP was 2%, according to the updated 3rd estimate. Unemployment remained at 3.5%. The S&P 500 (C Fund) increased 1.87% during the month of September. Assessment: PMI has contracted for the 2nd consecutive month.  This is on the heels of a 31 month expansion hot

Read More »
do I need an annuity

New Webinar – Do you need an annuity?

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

Read More »
TSP Planning report portfolios
TSP Report

TSP Planning Report – September 2019

Another economic indicator surprisingly underperformed this month. But, I’m no where near panic mode – and neither should you. The economy is slowing but not enough to warrant the media doomsday preaching. I’ve published my recommended portfolio’s for this month.

Read More »
tsp portfolio advice

New TSP Modernization Rules in less than 5 minutes

Hi, The new TSP Modernization Rules are about to be rolled out.  September 15 is when they go into full effect.  TSP put out a video that is about an hour and twenty minutes long. So I figured I could save you some time by condensing it into a few minutes….. Enjoy Stephen

Read More »
Webinar will retirement make you depressed

New Webinar – Will Retirement Make you Depressed?

Will retirement make you depressed?I know we don’t like to think about the potential negatives of retirement, and that’s why you have people like me to nag you and set you on a good path.In my next webinar we’ll explore the practical steps needed to enjoy this next stage of your life.  This is not

Read More »

Subscribe to My Blogs

Get fresh insightful content delivered to your inbox

Thank you very much for subscribing to my Newsletter. 


federal employee financial advisor TSP

A fiduciary advisor specializing in retirement planning and federal benefits

Contact Me

Stephen Zelcer © 2019 All rights reserved​

Made by TB