TSP Planning Report – September 2021 Facts: This month’s unemployment rate decreased from 5.4% to 5.2%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 59.9, compared to last month’s 59.5. The S&P 500 (C Fund) increased 3.03% in August, compared to
Q&A – Can I name my child as beneficiary of my life insurance (FEGLI) and TSP? Question Hi Stephen, My husband & I plan to list each other as the beneficiaries of our life insurance policies. However, what if something happens to both of us? Should we list our daughter – she’s only 2 right now? Also,
Do you need a Trust? – New Live Webinar A trust costs a few thousand dollars. And it seems everyone is doing it. Why? Should you, too? In this webinar you will learn: • The benefits of a trust • The benefits people assume a trust provides, but doesn’t • Whether a trust will solve
TSP Planning Report – July 2021 Facts: This month’s unemployment rate increased from 5.8% to 5.9%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 60.6, compared to last month’s 61.2. The S&P 500 (C Fund) increased 2.33% in June, compared to
Q&A – Which retirement account should I take money from? Question Dear Stephen, We have identified a house which isn’t on the market yet but will be soon. The asking price will probably be 1.5 million and I want to put $650,000 down on it. My question is where/how do I take my money out
TSP Planning Report – June 2021 June 2021 TSP Planning Report: Facts: This month’s unemployment rate dropped to 5.8% from last month’s 6.1%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 61.2, compared to last month’s 60.7. The S&P 500 (C Fund) increased 0.69%
Live Webinar – Creating a Retirement Distribution Strategy Which asset do you dip into to create your retirement income stream, and when? What happens when the market goes up? What should you do when the market goes down? We spent a career squirrelling away money for retirement, expecting our portfolios will be able to carry
Disability Income for Federal Employees If you’ve been a federal employee for at least 18 months, you are covered by FERS Disability. The FERS disability benefit starts off at 60% of you salary (or hi-3, whichever is higher) only for the first year. Subsequent years, the disability benefit drops to 40% of your salary. Two important points
New Webinar – Coordinating your TSP with your other investments The TSP is just one piece of the puzzle. If you have other investment accounts, you can coordinate them with your TSP so that you can position the correct assets in the correct account. This will help you pay less in taxes and be strategic
May 2021 TSP Planning Report: Facts: This month’s unemployment rate increased to 6.1% from last month’s 6.0%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 60.7, compared to last month’s 64.7. The S&P 500 (C Fund) increased 5.33% in April compared to 4.38%
Updated 2021: 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
Q&A – Should I avoid Medicare Part A just to participate in an HSA? Question Hi Stephen,do you have a blog page or any other reference material that advises fed employees who have HDHP health plans with an HSA and who just turned 65 and who don’t plan to retire for a few years if
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