financial planner Stephen Zelcer

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Social Security

Webinar – The Social Security Earnings Test, and How to Outsmart it!

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?

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TSP

TSP Planning Report April 2022

April 2022 TSP Planning Report: Facts: The G Fund rate for April 2022 was increased to 2.5% , from March’s 2%. This month’s unemployment rate decreased from 3.8% to 3.6%.   PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 57.1, compared to last month’s 58.6.

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creating a retirement investment strategy
Retirement

Webinar: How to create investment income in retirement without killing your portfolio

Webinar: How to create investment income in retirement without killing your portfolio We spent a career squirrelling away money for retirement, expecting our portfolios will be able to carry us thru our golden years.  But are our expectations unreasonable?   How long will our portfolios last?  Is there a certain amount of portfolio income that is

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TSP

TSP Planning Report March 2022

TSP Planning Report March 2022 Facts: The G Fund rate for March 2022 was increased to 2% , from February’s 1.825%.  It was 1.325% in March 2021.   This month’s unemployment rate decreased from 4% to 3.8%.  Unemployment was at 6.2% a year ago, in Feb 2021. PMI (Purchasing Managers Index) continued to expand (any reading

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Ho to opt out of Medicare B, green Q&A image
Medicare

Q&A: How to opt out of Medicare Part B

Q&A – How to opt-out of Medicare B Question Hey Stephen!   We opened an HSA this year!  I’m excited to fund it and have the money invested.    We have the cash and we can front-load the entire HSA contribution now at the beginning of the year.   Is it better to front-load all the money now, and

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image description: calendar with retirement written in red ink
Estate Planning

What is the best day to retire? – Live Webinar

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

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Tsp planning report february 20222
Federal Benefits

TSP Planning Report February

TSP Planning Report February 2022 Facts: The G Fund rate for February 2022 was increased to 1.825%, from January’s 1.625%. This month’s unemployment rate increased from 3.9% to 4%.  Unemployment was at 6.2% in Feb 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading

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TSP Planning advice for Federal Employees
Financial Advice

TSP Planning Report January 2022

TSP Planning Report January 2022 Facts: The G Fund rate for January 2022 was set at 1.625%. This month’s unemployment rate decreased from 4.2% to 3.9%.  Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at

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Should you accelerate payments towards your mortgage (or any other debt)?
Debt

Should you accelerate payments towards your mortgage (or any other debt)?

Should you accelerate payments towards your mortgage (or any other debt)? I see people do this all the time, especially in the pre-retirement group. Many people are uncomfortable having any debt, including their mortgage, and they are driven to enter retirement “debt free.” To rid themselves of debt they make additional payments of principle each

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do you need life insurance image
FEGLI

FEGLI, Survivor Benefits, or Self-Insurance? Live Webinar

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

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Image for Should I frontload my HSA investment?
HSA

Q&A: Should I front-load my HSA investment?

Q&A – Should I front-load my HSA investment? Question Hey Stephen!   We opened an HSA this year!  I’m excited to fund it and have the money invested.    We have the cash and we can front-load the entire HSA contribution now at the beginning of the year.   Is it better to front-load all the money now, and

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Retirement Portfolio

TSP Planning Report December 2021

December 2021 TSP Planning Report:   Facts: This month’s unemployment rate decreased from 4.6% to 4.2%.  Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 61.1, compared to last month’s 60.8. The S&P 500 (C Fund) decreased .69%

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federal employee financial advisor TSP

A fiduciary advisor specializing in retirement planning and federal benefits

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