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What's better: FEHB or Medicare?
FEHB

What’s better: FEHB or Medicare?

What’s better: FEHB or Medicare? Important note:  In this article I am only referring to Medicare A, B and D; I’m not getting into the various Medicare Part C plans (known as Medicare Advantage plans. So, which is better – Medicare or FEHB? While it’s not a fair question because there are dozens of FEHB plans

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What is the difference between FSA and HSA?
Medicare

What is the difference between FSA and HSA? Updated 2020

What is the difference between FSA and HSA? Updated 2020 Both accounts allow you pay for qualified medical expenses with tax-free money (thus avoiding Federal, State, Social Security, and Medicare taxes – usually around a 37.65% tax savings). Here’s how the accounts differ: Contribution Limit: FSA has a maximum contribution limit of $2,750.  HSA limits

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TSP Planning Report November 2020
TSP

TSP Planning Report November 2020

TSP Planning Report November 2020 Facts: Unemployment continued to drop.  This month’s unemployment rate came in at 6.9%, compared to last month’s 7.9%. PMI (Purchasing Managers Index) continued to expand. This month’s reading came in at 59.3, compared to last month’s 55.4. The S&P 500 (C Fund) dropped 2.66% during the month of October.  The

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TSP questions with Stephen Zelcer
Federal Benefits

Will I need a double RMD in 2021?

Q&A: Will I need a double RMD in 2021?  Question Due to the waiving of RMDs in 2020, If I am 71 now and retire in November 2020 when must I take the first RMD from the Thrift Savings Plan? Another way to ask the question is the following: For a person who is 71

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Investment

Should I wait until after the election to get back into the market?

Q&A: Should I wait until after the election to get back into the market? Question 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

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Should I take medicare B?
Medicare

Should we take Medicare B or stay with FEHB (FedBlue)? – Q&A

Q&A: Should we take Medicare B or stay with FEHB (FedBlue)? Question Hello Stephen, I am a federal retiree. My husband and I are on my fed blue.  He is still working and just turned 65 and I will be 65 next year.  We have high income / our analysis is the Medicare part b

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what should I do with my TSP for the election?
TSP Report

TSP Planning Report October 2020

TSP Planning Report October 2020 Facts: Unemployment continued to drop.  This month’s unemployment rate came in at 7.9%, compared to last month’s 8.4%. PMI (Purchasing Managers Index) continued to expand. This month’s reading came in at 55.4, compared to last month’s 56. The S&P 500 (C Fund) dropped 3.8% during the month of September.  The

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Social Security

Should I take my divorced spousal Social Security benefit? – Q&A

Q&A: Should I take my divorced spousal Social Security benefit? Question Hello Mr. Zelcer: I just turned 66 in March and is planning to retire from Federal Service the end of January 2021.  I am eligible to receive my divorced spouse benefit under Social Security.  My question is it worth it to take my ex-spouse

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federal benefits question and answer?
Financial Advice

New Webinar – Financial Questions & Answers with Stephen Zelcer

New Webinar – Financial Questions & Answers with Stephen Zelcer If there’s one thing Covid-19 has done to us all, it has changed our natural mode of operation and introduced a new dynamic into our lives. As such, things that we previously did without thinking are now being reevaluated. That can actually be a good

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TSP report for September
The Market

TSP Planning Report September 2020

TSP Planning Report September 2020 Facts: Unemployment continued to drop.  This month’s unemployment rate came in at 8.4%, compared to last month’s 10.2%. PMI (Purchasing Managers Index) continued to expand. This month’s reading came in at 56, compared to last month’s 54.2. The S&P 500 (C Fund) increased 7.19% during the month of August.  This

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Stephen

federal employee financial advisor TSP

A fiduciary advisor specializing in retirement planning and federal benefits

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