Join me in my upcoming webinar: “Goals & Inefficiencies – the Core of Financial Planning” and we’ll address the three broad benefits of financial planning:
New Webinar: Trump’s 2.0: Should I Be Concerned? People have expressed worry about President Trump’s 2nd term. Join us in this class where we’ll review some of the common concerns and see which, if any, are valid. Key Topics: Job Security and Career Planning: Planning for possible reductions in force (RIFs) or early outs. Retirement Benefits
Here we go with a second Trump term! Once Trump go elected, the post-election reactions started pouring in. Here’s a sampling, with slight edits to simplify reading, preserve the flavor but also conceal identity: “I am a recent federal retiree that panicked amid the last election outcome by moving my tsp to bonds. I am
What to do with cash sitting in savings that I might need in the mid-term. Question Hi Stephen, Do you have any suggestions on what we can do with our cash, besides just putting it in a savings account? This is not retirement money, but it’s also not money needed in the next 3 years.
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, Tuesday November 26th 11am ET: FSA, HSA or Both? – Which
Presidential Election: Here is a question from a TSP investor that I received: “Hello Stephen,I am a recent federal retiree that panicked amid the last election outcome by moving my tsp to bonds. I am prepared to dip back into the market but am waiting for the election outcome.Is it wise to wait or should
Can you Self-Insure for Long-Term Care? Long Term Care is a challenge to plan for. It’s a potentially large expense that can thwart the best of retirements. It’s the great “what if?” of retirement planning, and you’ll want to make sure you plan for it correctly. But the planning may not require a long term care
Thinking about taking Social Security early?
Sounds like a good idea, however if you’re earning too much money while taking early Social Security, that can wipe out your benefits. Is there a way to have both? Can you get your Social Security and earn additional income at the same time?
July 2024 TSP Planning Report:Facts: The G Fund rate for July 2024 decreased from 4.75% to 4.625%! The Fed Funds interest rate remained at 5.3%. This month’s unemployment rate increased from 3.9% to 4%. The 3rd Estimate for Q1 2024 GDP dropped from 1.6% to 1.4%. Last quarter’s GDP was 3.4%. PMI (Purchasing Managers Index) expanded, reading at
What is the best day to retire? What time of year, month, pay-period, day should you retire in order to get the most out of your pension? I will explain how to pinpoint your retirement date, and how the exact date can save you thousands of dollars. Join me as we explore this topic in
Divorce. What does “your half of everything” really mean? Divorce? Will you lose half of everything? We all understand that when a couple gets divorced there’s a financial division as well. The question is: which assets are included and which assets are excluded from the division? Also, whichever assets are going to be split, how
TSP Planning Report May 2024 Facts: The G Fund rate for May 2024 decreased from 4.375% to 4.25%. The Fed Funds interest rate remained at 5.3%. This month’s unemployment rate decreased to 3.8% from 3.9%. The 1st Estimate for Q1 2024 GDP came in at 1.6%. Last quarter’s GDP was 3.4%. PMI (Purchasing Managers Index)
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