Live Webinar : A Crash Course in Estate Planning w/ 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
New Webinar: OPM suspended its Long Term Care program. Now What? OPM’s suspension of the Long Term Care program has Federal employees wondering what their options are. In this webinar Wednesday February 15th 11am ET: I will provide an overview of the situation Explore alternative options Address the fundamental question of whether you even need
TSP Planning Report January 2023 Facts: The G Fund rate for Jan 2023 increased back to 4%. It was 4.25% in November 2022. The Fed Funds interest rate increased to 4.33%. It was .08% last year. This month’s unemployment rate dropped to 3.5%. PMI (Purchasing Managers Index) contracted for the 2nd time in 30 months,
Alternatives to the G fund –Even when the Debt Ceiling is not threatening the G Fund: Alternatives to the G Fund: Before I get into the Debt Ceiling and its relationship with the G fund, I first want to begin by sharinghow I help clients re-create G fund benefits outside the TSP. Here’s what investors
TSP Planning Report December 2022 Facts: The G Fund rate for December 2022 actually decreased to 3.875%. It was 2.75% in August. The Fed Funds interest rate increased to 4.33%. It was 3.83% last month. It was .08% last year. This month’s unemployment rate remained at 3.7%. PMI (Purchasing Managers Index) contracted for the first
OPM has Suspended Enrollment for the Federal Long Term Care Insurance Program In case you haven’t heard, the U.S. Office of Personnel Management (OPM) is temporarily suspending applications for coverage in the Federal Long-Term Care Insurance Program (FLTCIP) to allow their agency and the FLTCIP Carrier to thoroughly assess their benefit offerings and establish sustainable premium rates. OPM
TSP Planning Report November 2022 Facts: The G Fund rate for November 2022 increased to 4.25%. It was 2.75% in August. The Fed Funds interest rate increased to 3.83%. It was 2.5% in August. In June in was 1.65%, and 0.9% in May. This month’s unemployment rate increased back to 3.7% from 3.5%. PMI (Purchasing
TSP Planning Report October 2022 Facts: The G Fund rate for October 2022 increased to 4%. It was 3.375% in September, and 2.75% in August. The Fed Funds interest rate remains at 3.25%. It was 2.5% in August. In June in was 1.65%, and 0.9% in May. The Fed anticipates 1 more rate increase this
Key Milestones in the Career of a Federal Employee – Updated I’ve seen it many times. Federal employees who thought they would only spend a few years as a Fed and move on, only to find themselves still a Fed 20+ years down the road. This unintentional floating along in a Federal job can be
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, Wednesday November 23rd 11am ET: FSA, HSA or Both? – Which
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 Contribution Amounts (2022): TSP allows $20,500 annual contributions while IRAs only allow $6,000. Furthermore, TSP allows an additional ‘catch-up’ contribution of $6,500 starting the year you
September 2022 TSP Planning Report: Facts: The G Fund rate for September 2022 increased to 3.375% It was 2.75% last month. The Fed Funds interest rate increased to 3.25. It was 2.5% in August. In June in was 1.65%, and 0.9% in May. The Fed anticipates 1 more rate increase this year, in November. This month’s unemployment rate increased
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