financial planner Stephen Zelcer

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Divorce

New Webinar –  Divorce. What does “your half of everything” really mean?

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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TSP

TSP Planning Report May 2024

TSP Planning Report May 2024 Facts: The G Fund rate for May 2024 decreased from 4.375% to 4.25%. The Fed Funds interest rate remained at 5.3%. This month’s unemployment rate decreased to 3.8% from 3.9%. The 1st Estimate for Q1 2024 GDP came in at 1.6%. Last quarter’s GDP was 3.4%. PMI (Purchasing Managers Index)

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Financial Advice

New Webinar – How much rainy day money do you really need?

How much rainy day money do you really need? 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 – How much

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Investment

TSP Planning Report March 2024

TSP Planning Report March 2024 Facts: The G Fund rate for February 2024 increased from 4.125% to 4.375%.  The Fed Funds interest rate remained at 5.3%.  This month’s unemployment rate increased to 3.9% from 3.7%.  The 2nd Estimate for Q4 GDP came in at 3.2%.  Last quarter’s GDP was 4.9%.  PMI (Purchasing Managers Index) expanded

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Estate Planning

Live Webinar – Crash Course in Estate Planning, w/ Guest Speaker Joseph Fried

Live Webinar : A Crash Course in Estate Planningw/ Guest Speaker Joseph Fried You may have heard different estate planning concepts, such as “powers of attorney”, “trust funds”, “probate” and “estate tax”. Is any of this relevant to you? How can you make senses of these seemingly confusing topics.The goal of this webinar is to

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IRA

14 Differences between TSP vs IRA – Updated for 2024

14 Differences between TSP & IRA TSP vs. IRA: Both are retirement accounts, both offer a Roth and a Traditional option, yet there are many important differences. Here are 14 differences 1. Contribution Amounts (2024):  TSP allows $23,000 annual contributions while IRAs only allow $7,000.  Furthermore, TSP allows an additional ‘catch-up’ contribution of $7,500 starting

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FERS

MRA+10 Retirement – should you postpone your FERS pension? (w/video)

MRA+10 RetirementShould you postpone your FERS pension? (w/video) Read the video transcript: FERS employees, you have the ability to retire early with something known as the MRA plus 10 retirement. Now let’s define that. MRA, Minimum Retirement Age, for most FERS Employees, is 57. So MRA, 57, plus 10, what does that mean? 67? And

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TSP Planning Report
TSP

TSP Planning Report February 2024

Facts: The G Fund rate for February 2024 increased from 4% to 4.125%. The Fed Funds interest rate remained at 5.3%. This month’s unemployment rate remained at 3.7%. The 1st Estimate for Q4 GDP came in at 3.3%. Last quarter’s GDP was 4.9%. PMI (Purchasing Managers Index) expanded to 50.7 (any reading below 50 represents

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Should I take a TSP loan?
Retirement

Live Webinar – Should you take a TSP Loan

Should you take a TSP Loan? Borrowing from your retirement account. Hmmm. Is that smart?This is a topic you will find mixed messages about if you search online. There’s a time when it makes sense, and times when it’s a massive mistake. Join me in my upcoming webinar “Should you take a TSP Loan?” where

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Fake Social Security
Retirement

Fake Social Security (w/video)

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,

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Webinar

New Webinar – What’s better: Roth or Traditional?

What’s better: Roth or Traditional? Roth versus traditional. Better to pay the taxes now and no tax later, or better to pay no tax now and all the taxes later? This decision is relevant both when employed and also in retirement. In my upcoming webinar we will explore: Who should do Roth and who should

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CSRS vs FERS - Full COLA, Diet COLA, or NO COLA
CSRS

CSRS vs FERS – Full COLA, Diet COLA, or NO COLA (w/video)

CSRS vs FERS – Full COLA, Diet COLA, or NO COLA (w/Video) Read the video transcript: Welcome back to the channel. So, FERS employees, I want to compare you to the CSRS system. I know you’ve heard about the CSRS system. I know. I know. You’re green with envy because you’ve heard that they got

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federal employee financial advisor TSP

Financial Education for Federal Employees

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