Practical Retirement Readiness The Cash Flow Transition into Retirement Stephen Zelcer | Financial Advisor for Federal Employees When you go from the work into retirement, there’s obviously a financial transition that takes place, but there’s also a mental transition. There’s a mathematical formula that people mentally subscribe to. It goes like this: work equals money.
Do I Need Medicare If I Have FEHB? This article draws on my October 2025 webinar. The webinar used projected Medicare figures; the numbers below are the 2026 figures CMS published the following month. Every year around their sixty-fifth birthday, federal employees start asking me the same question: “Stephen, what should I do about Medicare?”
Survivor Benefits: FEGLI, FERS Survivor Annuity, or Self-Insurance? Live Webinar Do you need life insurance? I know some people assume life insurance is a ‘must have’, but is it? And if you do need life insurance, how much? And which type of life insurance is the best? Close analysis of this topic will show
Video Transcript Okay, fantastic. I wanna dive into the, today’s material. And I’m in a different location, so my my technology deficiencies are gonna be showing in this class. But at least you guys hopefully be able to see what I’m trying to share over here. Hopefully you guys can see this. Okay, fantastic. So
Coordinating Your Traditional, Roth, and Non-Qualified Investments Coordinating Your Traditional, Roth, and Non-Qualified Investments Most people think about their investments one account at a time. Their TSP here. Their brokerage account there. Maybe a Roth IRA on the side. Each account gets evaluated on its own merits, managed in its own lane, and ignored in
TSP Planning Report June 2026 Facts: Analysis – A Remarkable Recovery, a Wobbly Ceasefire, and an Economy That Barely Noticed Markets have travelled a long way since we last wrote. The fear-driven selling that gripped stocks when combat erupted in Iran bottomed out in late March, and the recovery since has been emphatic – the
What is the best day to retire? Timing your Federal Exit. 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
When should you take Social Security? A fantastic webinar with Stephen Zelcer, fiduciary advisor to federal employees.
I know it sounds like a smart move – by delaying your Social Security benefits you’ll have more “headroom” to do larger Roth Conversions. Don’t do it. As mentioned in my earlier article, when you delay Social Security, you’re forced to draw from your own savings to cover living expenses instead. That means that money
Is it worth it to delay Social Security to provide a larger survivor benefit for your spouse? No. I know it sounds smart to leave your spouse a higher benefit than they would receive on their own, but it’s not worth it. Here’s why. As previously noted, delaying Social Security carries a break-even period of
How hard can it be to figure out your retirement income? Just add your FERS + Social Security + whatever income you take from your investments, right? Not exactly. Some income has start and stop dates, and you still have plenty of deductions, and not all of your income is taxed the same. In this
TSP Report March 2026 Facts: The second estimate for Q4 2025 Gross Domestic Product (GDP) was released on February 20th and indicated the economy grew at a 7% annualized rate during the quarter. The Federal Reserve met on March 17-18 and voted to leave interest rates unchanged. The Federal Reserve tends to make policy decisions
Thank you very much for subscribing to my Newsletter.
Stephen
Stephen Zelcer © 2026 All rights reserved
Made by TB
