financial planner Stephen Zelcer

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Webinar

WATCH NOW – Webinar: Transforming Debt into Wealth

WATCH NOWWebinar: Transforming Debt into Wealth Is debt bad? Most Americans have debt of some sort (Mortgages, Student loans, Auto loans, TSP loans, CCs…). Understanding that debt can actually be a tool you leverage to build your wealth will give you a deeper insight as to whether you need to accelerate paying off your debt

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Federal Retirement

Unusual things to know about retiring December 31st 2022

Unusual things to know about retiring December 31st December 31st is always a popular retirement date, but this year, 2022, it’s especially popular – because this year December 31st is also the last day of a pay-period, and last day of the month, and the last day of the leave year – a trifecta! What’s

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Uncategorized

TSP Planning Report July 2022

TSP Planning Report July 2022 Facts: The G Fund rate for July 2022 remained at 3%. The Fed Funds interest rate increased to 2.4% from last month’s 1.65%, and from May’s 0.9%, and they anticipate more rate increases over the remainder of this year. This month’s unemployment rate remained unchanged, at 3.6%. PMI (Purchasing Managers

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TSP report graphic from Stephen Zelcer
TSP

TSP Planning Report June 2022

June 2022 TSP Planning Report: Facts: The G Fund rate for June 2022 remained at 3%. The Fed Funds interest rate increased to 1.65% from last month’s 0.9%, and they anticipate more rate increases over the remainder of this year. This month’s unemployment rate remained unchanged, at 3.6%. PMI (Purchasing Managers Index) continued to expand

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TSP planning report for federal employees 2022
TSP

TSP Planning Report May 2022

TSP Planning Report May 2022 May 2022 TSP Planning Report:   Facts: The G Fund rate for April 2022 was increased to 3% , from April’s 2.5%. The Fed Funds interest rate increased to 0.9% from last month’s 0.5%, and they anticipate more rate increases over the remainder of this year.  This month’s unemployment rate remained unchanged, at

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social security earnings test
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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Medicare

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

Q&A – How to opt-out of Medicare B Question Hey Stephen!   My husband retired and already collecting Social Security,  He is turning 65 this summer.  We understand that since he’s collecting Social Security, he will automatically be enrolled in both Medicare A & B when he turns 65.  We don’t want to take Medicare B,

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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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federal employee financial advisor TSP

A fiduciary advisor specializing in retirement planning and federal benefits

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