Explore the intricacies of the FERS retirement system, often likened to a three-legged stool comprising FERS pension, Social Security, and Thrift Savings Plan. Learn about early retirement at age 57, avoiding penalties, and the role of the FERS annuity supplement. Get insights on how to optimize your retirement benefits.
FEGLI, Survivor Benefits, or Self-Insurance? Live Webinar Do you need life insurance? I know some people assume life insurance is a ‘must have’, but is it? And if you do need life insurance, how much? And which type of life insurance is the best? Close analysis of this topic will show that your insurance
TSP Planning Report August 2023 Facts: The G Fund rate for August 2023 increased to 4.125%. The Fed Funds interest rate increased to 5.33%. This month’s unemployment rate decreased from 3.6% to 3.5%. The 1st Estimate for Q2 GDP came in at 2.4%. PMI (Purchasing Managers Index) contracted for 2nd straight month, reading 49.0 this month
Goals & Inefficiencies: What you should get out of your Financial Plan The financial planning industry is loaded with “financial planners” that are really product pushers. Unfortunately, this has resulted in many people avoiding the financial planning practice altogether, dismissing it as being just a sales tactic. However, not having a financial plan usually causes
TSP Planning Report June 2023 Facts: The G Fund rate for June 2023 increased to 3.875%. The Fed Funds interest rate decreased to 5.07%. It was 5.25% just a month ago. This month’s unemployment rate increased from 3.4% to 3.7%. PMI (Purchasing Managers Index) expanded for the 3rd straight month, reading 53.0 this month (any
Q&A – How can you avoid the Social Security earnings test, and minimize taxes using an S-corp? Question How can you avoid the Social Security earnings test, and minimize taxes using an S-corp? Answer Using an S corp may provide at least two benefits: Avoiding FICA tax (15.3%) Avoiding the earnings test Here’s an example
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
TSP Planning Report May 2023 Facts: The 2nd estimate of Q1 (2023) GDP has come out, showing a 1.3% growth in GDP. This is on the heels of 2.6% GDP growth in Q4 2022. The G Fund rate for May 2023 remained at 3.625%. The Fed Funds interest rate increased to 5.25%. It was 4.83%
Should you leave Federal Service before you’re eligible for full retirement? I know you’re thinking about it. 😉
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When should you take Social Security? A fantastic webinar with Stephen Zelcer, fiduciary advisor to federal employees.
April 2023 TSP Planning Report Facts: The 1st estimate of Q1 (2023) GDP has come out, showing a 1.1% growth in GDP. This is on the heels of 2.6% GDP growth in Q4 2022. The G Fund rate for April 2023 decreased back to 3.625%. It was 4.125% last month. The Fed Funds interest rate
New Webinar: Secure 2.0: What is it & How does it impact your TSP and other retirement accounts? There are many new rules contained in the the Setting Every Community Up for Retirement Enhancement (SECURE) Act 2.0. Many of them impact retirement accounts, including your TSP. Join me in a crash course webinar where we’ll explore
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Stephen
A fiduciary advisor specializing in retirement planning and federal benefits
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