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Q&A: Should I retire early via VERA from federal service?

Q&A: Should I retire early via VERA from Federal Service? Question I may have the opportunity to retire early via VERA from federal service and am wondering if it would be a smart move financially?   I’m 50 now and my MRA is 56yrs/8mos, therefore I would essentially be retiring 6 years early, thus losing 6%

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how should I invest my TSP this month?
Retirement

TSP Planning Report July 2020

Presidential Election:
Of course, we cannot ignore the elections. Seems every presidential election is a high-drama, “do or die” mentality for Americans. Understandably so.
But the stock market doesn’t seems to be so dramatic come election time. Here’s a collection of market responses to elections dating back to 1980:

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is the fsa better than the hsa?
Financial Advice

Q&A: Is the FSA better than the HSA?

Q&A: Is the FSA better than the HSA? Question My wife and I are expecting a baby in June.  You made clear that an FSA is the better choice for someone who is anticipating a year filled with high medical expenses… but I didn’t understand exactly why.  Would you mind elaborating very briefly why the

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Is the 3-legged stool (FERS + SS + TSP) enough?
Federal Benefits

Q&A: Is the 3-legged stool (FERS + SS + TSP) enough?

Is the 3-legged stool enough? Question: I am contributing 5% to my TSP, getting the maximum agency match, and I’m also paying into Social Security and the Federal Employee Retirement System (FERS).  Is that going to be enough to retire on? Answer: I want to answer this question on two levels.  The first level will

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TSP Planning Report 2020 from Stephen Zelcer
TSP Report

TSP Planning Report June 2020

Facts: Unemployment reads 13.3%. The Fed Funds interest rate remains between 0% – 0.25% Q1 GDP read -5% according to the 2nd estimate.   PMI contracted to a jaw dropping 43.1% The S&P 500 (C Fund) increased 4.76% during the month of May. Assessment: The above facts are improved compared to last month’s report.   But, such

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social security earnings test
Federal Benefits

Live 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? Join me in my upcoming

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Bull and bear market tsp report investment
TSP Report

TSP Planning Report May 2020

Facts: Unemployment reads 14.7%, with the most recent number of unemployment claims reaching 39 million The Fed Funds interest rate has been lowered to between 0% – 0.25%• Q1 GDP read -4.8% according to the first estimate. PMI contracted to a jaw dropping 41.5% The S&P 500 (C Fund) increased 12.8% during the month of

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should I self insure for long term health care?
Healthcare

New Webinar – Can you self-insure for Long Term Care?

Long Term Care is a challenge to plan for. It’s a potentially large expense that can thwart the best of retirements. It’s the great “what if?” of retirement planning, and you’ll want to make sure you plan for it correctly.  But the planning may not require a long term care insurance policy. Join my in my

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financial advice for federal employees
TSP Report

TSP Planning Report April 2020

Facts: Unemployment reads 4.4%, but unemployment claims reached 26 million, which would translate to 11% The Fed Funds interest rate has been lowered to between 0% – 0.25% Current GDP has not been released, but based on available data GDP is projected to decline -5.9% PMI contracted slightly, with the index reading to 49.1%. The

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financial questions and answers with Stephen Zelcer
Financial Advice

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 thing! I want to harness this new perspective and apply

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TSP Report

Special TSP Planning Report March 2020

Facts before the Coronavirus meltdown: Unemployment came in at 3.5%. 4th Quarter GDP was 2.1%, according to the 2nd estimate. PMI expanded, with the index reading to 50.1%. The S&P 500 (C Fund) decreased -8.24% during the month of February. Projections after the Coronavirus meltdown: Unemployment range 9% – 30% !!!!!  To put in perspective,

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financial advice for federal employees
Medicare

Watch Now – Should you take Medicare?

Watch Now – SHOULD YOU TAKE MEDICARE? 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?Watch my video – Should you take Medicare? In this video I explain: The costs of Medicare When you need to worry about

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Stephen

federal employee financial advisor TSP

A fiduciary advisor specializing in retirement planning and federal benefits

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