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financial questions & answers with stephen zelcer
Federal Benefits

Video – Financial Questions & Answers with Stephen Zelcer Part 1 – Threats to Federal Benefits

https://youtu.be/6fi1FXBpqM4 Financial Questions & Answers with Stephen Zelcer Part 1 – Threats to Federal Benefits Let’s get into the questions. There were a lot of questions. Some of them had common themes, so I try to lump the questions or the questions with common themes together. So let us try to tackle some of those

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Stephen Zelcer September 16, 2025 No Comments
Webinar - Are the new L Funds any good?
Investment

New Webinar: Should You Use the L-Funds?

Should You Use the L-Funds? The L-Funds are the default funds for many federal employees.  It comes with a “set it and forget it” simplicity, which adjusts over time. But are they right for YOU? Join me in this class when we explore: Assumptions in L-Fund allocations Problems with the L-fund assumptions Possible ways to

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Stephen Zelcer September 12, 2025 No Comments
with all the recent changes for federal employees, i'm sure you've been asking yourself some new questions about your federal benefits and your money. now's the time to address them.
Q&A

New Webinar – Financial Questions & Answers with Stephen Zelcer

New Webinar – Financial Questions & Answers with Stephen Zelcer With all the recent changes for federal employees, I’m sure you’ve been asking yourself some new questions about your federal benefits and your money. Now’s the time to address them. Join me for a Q&A on personal finance, retirement and federal benefits. I want to

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Stephen Zelcer July 31, 2025 No Comments
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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Stephen Zelcer July 4, 2025 No Comments
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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Stephen Zelcer June 30, 2025 No Comments
tsp report june 2025
Uncategorized

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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Stephen Zelcer June 26, 2025 No Comments
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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Stephen Zelcer June 9, 2025 No Comments
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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Stephen Zelcer May 7, 2025 No Comments
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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Stephen Zelcer April 22, 2025 No Comments
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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Stephen Zelcer April 4, 2025 No Comments
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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Stephen Zelcer March 14, 2025 No Comments

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