financial planner Stephen Zelcer

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TSP Planning Report October 2022

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

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guide to federal employees benefit milestones
Financial Advice

Key Milestones in the Career of a Federal Employee [Updated]

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

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New-Webinar-FSA-vs-HSA-Which-is-better-for-yo
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, Wednesday November 23rd 11am ET:  FSA, HSA or Both? – Which

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IRA

14 Differences between TSP vs IRA

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

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TSP

TSP Planning Report September 2022

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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Should I take medicare?
Medicare

Do I need Medicare? – New Webinar

Do I need Medicare? – New Webinar Medicare Part B costs thousands of dollars a year. And they threaten you with penalties if you don’t take it. You already have FEHB. Do you need both? Wednesday October 19th 11am ET In this webinar I explain: The costs of Medicare When you need to worry about

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do I need an annuity
Webinar

New Webinar – Do you need an annuity?

Do you need an Annuity?:Will you outlive your retirement income and run out of money?  Not if you have an annuity! However, not all annuities are created equal, and not everyone needs an annuity.  Annuities are insurance products that cost money. And some annuities are irrevocable. But the financial advisors (and the TSP) aggressively peddle these

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TSP report August 2022 from Stephen Zelcer
The Market

TSP Planning Report August 2022

TSP Planning Report 2022 Facts: The G Fund rate for August 2022 dropped to 2.75%.  It was 3% in July.   The Fed Funds interest rate increased to 2.5%.  In June in was 1.65%, and 0.9% in May. The Fed anticipates more rate increases over the remainder of this year.  This month’s unemployment rate dropped slightly

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Webinar image of man jumping up from debt
Webinar

WATCH NOW – Webinar: Transforming Debt into Wealth

WATCH NOW Webinar: Transforming Debt into Wealth Is debt bad? Most Americans have debt of some sort (Mortgages, Student loans, Auto loans, TSP loans, CCs…). Understanding that debt can actually be a tool you leverage to build your wealth will give you a deeper insight as to whether you need to accelerate paying off your

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Federal Retirement

Unusual things to know about retiring December 31st 2022

Unusual things to know about retiring December 31st December 31st is always a popular retirement date, but this year, 2022, it’s especially popular – because this year December 31st is also the last day of a pay-period, and last day of the month, and the last day of the leave year – a trifecta! What’s

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July image for TSP Planning Report
TSP

TSP Planning Report July 2022

TSP Planning Report July 2022 Facts: The G Fund rate for July 2022 remained at 3%. The Fed Funds interest rate increased to 2.4% from last month’s 1.65%, and from May’s 0.9%, and they anticipate more rate increases over the remainder of this year. This month’s unemployment rate remained unchanged, at 3.6%. PMI (Purchasing Managers

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TSP report graphic from Stephen Zelcer
TSP

TSP Planning Report June 2022

June 2022 TSP Planning Report: Facts: The G Fund rate for June 2022 remained at 3%. The Fed Funds interest rate increased to 1.65% from last month’s 0.9%, and they anticipate more rate increases over the remainder of this year. This month’s unemployment rate remained unchanged, at 3.6%. PMI (Purchasing Managers Index) continued to expand

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federal employee financial advisor TSP

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