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Coordinating your TSP with your other investments
Investment

New Webinar – Coordinating your TSP with your other investments

New Webinar – Coordinating your TSP with your other investments The TSP is just one piece of the puzzle. If you have other investment accounts, you can coordinate them with your TSP so that you can position the correct assets in the correct account. This will help you pay less in taxes and be strategic

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tax withholding guidance for your fers & csrs pension
FERS

Calculating the Non-Taxable Portion of your Annuity

Calculating the Non-Taxable Portion of your Annuity Question Hi Stephen, I just received my 1099-R from OPM.  In the box that says “Taxable Annuity Amount” they write “unknown.”  What in the world does that mean? Answer Almost all of your annuity is taxable, however a portion of your annuity is not taxable.Which portion? The portion you’ve

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tsp report june 2025
TSP Report

TSP Report June 2025

How does the market respond to wars – hot wars and trade wars?   It seems the theme of 2025, thus far, is WARS! We went from trade wars to hot war with Iran. It’s scary, I get it. I’ve already had a couple of clients move everything to the G fund, against my wishes.

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q&a should i retire before the proposed legisation takes affect
Retirement

Q&A: Should I retire before the proposed legislation takes affect?

Q&A Should I retire before the proposed legisation takes affect? Question I’m concerned about the recent legislative proposal regarding the possible elimination of the FERS Annuity Supplement, as well as changing from high-3 to high-5. My plan to retire this December could be negatively impacted if this passes. Do you think I should retire sooner

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lower your taxes,tax planning webinar,federal employee taxes,tax reduction strategies,taxable income tips,financial planning webinar,save on taxes,tax-efficient strategies,tax savings tips,tax planning for employees
Saving

New Webinar: 5 Ways to Lower Your Taxes

New Webinar: 5 Ways to Lower Your Taxes Lower taxes means more money in your pocket. Sounds great! However, when would you like more money in your pocket? Now or later? This is the essence of tax planning. This webinar is designed to help federal employees understand and apply effective tax-lowering strategies while considering both immediate

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tsp report april 2025
Financial Advice

TSP Planning Report: April 2025

Economic News We are all noticing the stock market sink.  Clearly investors are not happy where the economy is heading.  Here are the facts: This is a mix of bad and good data.  Nothing to justify the drop in the market.  So what’s going on? In my previous report, I highlighted 6 Trump policies to

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market volatility what should you do?
Investment

New Webinar – Market Volatility: What Should you Do?

Trump’s tariff have caused a massive sell off. The stock market is down big time. And investors are obviously worried. Should you be worried too? We will address this in our upcoming webinar, Wednesday April 9th 11am ET. Register Now

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rif & your retirement benefits
Retirement

RIF & your retirement benefits

RIF & your retirement benefits Yes, if there’s a RIF, you may be eligible for an immediate pension and continuation of your FEHB. As shocking as this sounds, it’s actually pretty straight forward.  With a RIF, you may be eligible for a retirement known as Discontinued Service Retirement (DSR).  DSR applies to employees who are

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blog
Retirement

VERA and Accessing your TSP before 59.5

VERA and Accessing your TSP before 59.5: The general rule for Traditional retirement accounts such as IRAs, 401(k)s, TSP is that they can only be accessed at age 59.5. If you dare access them before 59.5, the IRS slaps you with a 10% early access penalty. But there are two notable exceptions to the age

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Trump severance offer,federal employee resignation,early retirement federal workers,government severance pay,FEHB retirement benefits,TSP withdrawal advice,voluntary early retirement,federal workforce reduction,RIF government employees,Stephen Zelcer financial advice
Federal Retirement

Should you take the “Deferred Resignation” Offer?

Should you take the “Deferred Resignation” Offer? I wanted to share the general guidance I’ve been giving my clients.  Although this should not be viewed as personalized advice, I hope it helps clarify the thinking that surrounds this “fork in the road” decision.   If you need my assistance, please email me. stephen@stephenzelcer.com Wishing you all the best, Stephen

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Trump severance offer,federal employee resignation,early retirement federal workers,government severance pay,FEHB retirement benefits,TSP withdrawal advice,voluntary early retirement,federal workforce reduction,RIF government employees,retirement planning federal workers
President Trump

Is the “fork in the road” offer worth it?

I’m sure you got the memo. President Trump is offering something that appears to be 8 months’ severance pay. You could stop working on Feb. 6th, collect payment and full benefits until the end of September, and then end your federal employment at the end of September. Should you do this? First of all, please

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