Should you leave Federal Service before you’re eligible for full retirement? I know you’re thinking about it. đ
Join me in my next webinar March 25th 11am ET.
Q&A: Help! I’m enrolled in both Medicare & FEHB and I need to change that. What should I do? Question Hello Stephen, I am currently enrolled Medicare Parts A & B, and seemingly D as well.  I also have FEHB.  As such, I am paying for two health insurance plans – 299.26/mo by FEHB and $298 by Medicare (through the
TSP Planning Report for January 2021. Read my latest TSP Report for January 2021.
Join me in my upcoming webinar: âGoals & Inefficiencies – the Core of Financial Planningâ and weâll address the three broad benefits of financial planning:
Stephen Zelcer’s TSP Planning Report for December 2020. Read my TSP Planning Report here.
Should I front-load money into the TSP in the year I retire? Read my answer to this question from a federal employee about retirement and their TSP
Can excess annual leave (that gets paid lump sum upon the employee’s retirement) be rolled into the TSP or IRA? For federal employees.
Q&A: TriCare and FEHB Question I know FEHB has a 5-year requirement. I currently have TriCare, but want to make sure I satisfy FEHBâs 5-year rule, so I was planning to enroll in FEHB. But then I will be paying for 2 insurances. Do you think itâs worth it? Answer Your TriCare will count toward
Q&A: Is it worth it to enroll in a HDHP plan with the HSA for just 1 year? Question I am not currently in a high deductible plan (HDHP). I am wondering what your thoughts on my changing to one for this coming year, which will be the last year I’ll be able to put
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 â Medicare or FEHB? While it’s not a fair question because there are dozens of FEHB plans
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 â usually around a 37.65% tax savings). Hereâs how the accounts differ: Contribution Limit: FSA has a maximum contribution limit of $2,750. HSA limits
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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