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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, Tuesday November 26th 11am ET:  FSA, HSA or Both? – Which

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Financial Planning Membership

TSP Planning Report September 2024

Presidential Election: Here is a question from a TSP investor that I received: “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 or should

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OPM suspended its Long Term Care program. Now What?
Life Insurance

Live Webinar: Can you Self-Insure for Long-Term Care?

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

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social security earnings test
Federal Benefits

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 TIer 1

TSP Planning Report July 2024

July 2024 TSP Planning Report:Facts: The G Fund rate for July 2024 decreased from 4.75% to 4.625%! The Fed Funds interest rate remained at 5.3%.   This month’s unemployment rate increased from 3.9% to 4%.   The 3rd Estimate for Q1 2024 GDP dropped from 1.6% to 1.4%.  Last quarter’s GDP was 3.4%.   PMI (Purchasing Managers Index) expanded, reading at

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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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Divorce

New Webinar –  Divorce. What does “your half of everything” really mean?

Divorce. What does “your half of everything” really mean?  Divorce? Will you lose half of everything? We all understand that when a couple gets divorced there’s a financial division as well. The question is: which assets are included and which assets are excluded from the division? Also, whichever assets are going to be split, how

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TSP

TSP Planning Report May 2024

TSP Planning Report May 2024 Facts: The G Fund rate for May 2024 decreased from 4.375% to 4.25%. The Fed Funds interest rate remained at 5.3%. This month’s unemployment rate decreased to 3.8% from 3.9%. The 1st Estimate for Q1 2024 GDP came in at 1.6%. Last quarter’s GDP was 3.4%. PMI (Purchasing Managers Index)

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Financial Advice

New Webinar – How much rainy day money do you really need?

How much rainy day money do you really need? If you think about it, a rainy day fund is primarily for emergency use when something “goes wrong.” As such, it is essentially a form of insurance. The question now becomes, how much rainy day “insurance” should you have?Join me in my upcoming webinar – How much

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Investment

TSP Planning Report March 2024

TSP Planning Report March 2024 Facts: The G Fund rate for February 2024 increased from 4.125% to 4.375%.  The Fed Funds interest rate remained at 5.3%.  This month’s unemployment rate increased to 3.9% from 3.7%.  The 2nd Estimate for Q4 GDP came in at 3.2%.  Last quarter’s GDP was 4.9%.  PMI (Purchasing Managers Index) expanded

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Estate Planning

Live Webinar – Crash Course in Estate Planning, w/ Guest Speaker Joseph Fried

Live Webinar : A Crash Course in Estate Planningw/ Guest Speaker Joseph Fried You may have heard different estate planning concepts, such as “powers of attorney”, “trust funds”, “probate” and “estate tax”. Is any of this relevant to you? How can you make senses of these seemingly confusing topics.The goal of this webinar is to

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IRA

14 Differences between TSP vs IRA – Updated for 2024

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 1. Contribution Amounts (2024):  TSP allows $23,000 annual contributions while IRAs only allow $7,000.  Furthermore, TSP allows an additional ‘catch-up’ contribution of $7,500 starting

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Stephen

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