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
Should I front-load money into the TSP in the year I retire? Read my answer to this question from a federal employee about retirement and their TSP
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
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
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
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.
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
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
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
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
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
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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