Presidential Election: Here is a question from a TSP investor that I received: “Hello Stephen,I am a recent federal retiree that panicked amid the last election outcome by moving my tsp to bonds. I am prepared to dip back into the market but am waiting for the election outcome.Is it wise to wait or should
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?
July 2024 TSP Planning Report:Facts: The G Fund rate for July 2024 decreased from 4.75% to 4.625%! The Fed Funds interest rate remained at 5.3%. This month’s unemployment rate increased from 3.9% to 4%. The 3rd Estimate for Q1 2024 GDP dropped from 1.6% to 1.4%. Last quarter’s GDP was 3.4%. PMI (Purchasing Managers Index) expanded, reading at
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
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)
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
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
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
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
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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