financial planner Stephen Zelcer

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what are the alternatives to the G Fund
Debt Ceiling

What are the Alternatives to the G fund?

Alternatives to the G fund –Even when the Debt Ceiling is not threatening the G Fund: Alternatives to the G Fund: Before I get into the Debt Ceiling and its relationship with the G fund, I first want to begin by sharinghow I help clients re-create G fund benefits outside the TSP. Here’s what investors

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TSP planning report image for December
TSP

TSP Planning Report December 2022

TSP Planning Report December 2022 Facts: The G Fund rate for December 2022 actually decreased to 3.875%.  It was 2.75% in August.   The Fed Funds interest rate increased to 4.33%.  It was 3.83% last month.  It was .08% last year.  This month’s unemployment rate remained at 3.7%.   PMI (Purchasing Managers Index) contracted for the first

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Federal Benefits

OPM has Suspended Enrollment for the Federal Long Term Care Insurance Program

OPM has Suspended Enrollment for the Federal Long Term Care Insurance Program In case you haven’t heard,  the U.S. Office of Personnel Management (OPM) is temporarily suspending applications for coverage in the Federal Long-Term Care Insurance Program (FLTCIP) to allow their agency and the FLTCIP Carrier to thoroughly assess their benefit offerings and establish sustainable premium rates.  OPM

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TSP Planning Report for 2021
TSP

TSP Planning Report November 2022

TSP Planning Report November 2022 Facts: The G Fund rate for November 2022 increased to 4.25%. It was 2.75% in August. The Fed Funds interest rate increased to 3.83%. It was 2.5% in August. In June in was 1.65%, and 0.9% in May. This month’s unemployment rate increased back to 3.7% from 3.5%. PMI (Purchasing

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The Market

TSP Planning Report October 2022

TSP Planning Report October 2022  Facts: The G Fund rate for October 2022 increased to 4%.  It was 3.375% in September, and 2.75% in August.   The Fed Funds interest rate remains at 3.25%.  It was 2.5% in August. In June in was 1.65%, and 0.9% in May. The Fed anticipates 1 more rate increase this

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guide to federal employees benefit milestones
Financial Advice

Key Milestones in the Career of a Federal Employee [Updated]

Key Milestones in the Career of a Federal Employee – Updated I’ve seen it many times.  Federal employees who thought they would only spend a few years as a Fed and move on, only to find themselves still a Fed 20+ years down the road.  This unintentional floating along in a Federal job can be

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New-Webinar-FSA-vs-HSA-Which-is-better-for-yo
FSA

FSA vs HSA – Which is better for you? – Live Webinar

New Webinar FSA vs HSA – Which is better for you? Both of these plans are available thru FEHB this open season. Understanding the advantages of each can translate into thousands of dollars of savings every year. Join me now in my new webinar, Wednesday November 23rd 11am ET:  FSA, HSA or Both? – Which

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IRA

14 Differences between TSP vs IRA

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 Contribution Amounts (2022):  TSP allows $20,500 annual contributions while IRAs only allow $6,000.  Furthermore, TSP allows an additional ‘catch-up’ contribution of $6,500 starting the year you

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TSP

TSP Planning Report September 2022

September 2022 TSP Planning Report: Facts: The G Fund rate for September 2022 increased to 3.375% It was 2.75% last month.   The Fed Funds interest rate increased to 3.25.  It was 2.5% in August. In June in was 1.65%, and 0.9% in May. The Fed anticipates 1 more rate increase this year, in November.  This month’s unemployment rate increased

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Should I take medicare?
Medicare

Do I need Medicare? – New Webinar

Do I need Medicare? – New Webinar Medicare Part B costs thousands of dollars a year. And they threaten you with penalties if you don’t take it. You already have FEHB. Do you need both? Wednesday October 19th 11am ET In this webinar I explain: The costs of Medicare When you need to worry about

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do I need an annuity
Webinar

New Webinar – Do you need an annuity?

Do you need an Annuity?:Will you outlive your retirement income and run out of money?  Not if you have an annuity! However, not all annuities are created equal, and not everyone needs an annuity.  Annuities are insurance products that cost money. And some annuities are irrevocable. But the financial advisors (and the TSP) aggressively peddle these

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TSP report August 2022 from Stephen Zelcer
The Market

TSP Planning Report August 2022

TSP Planning Report 2022 Facts: The G Fund rate for August 2022 dropped to 2.75%.  It was 3% in July.   The Fed Funds interest rate increased to 2.5%.  In June in was 1.65%, and 0.9% in May. The Fed anticipates more rate increases over the remainder of this year.  This month’s unemployment rate dropped slightly

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federal employee financial advisor TSP

A fiduciary advisor specializing in retirement planning and federal benefits

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