financial planner Stephen Zelcer

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New Webinar – What’s better: Roth or Traditional?

What’s better: Roth or Traditional? Roth versus traditional. Better to pay the taxes now and no tax later, or better to pay no tax now and all the taxes later? This decision is relevant both when employed and also in retirement. In my upcoming webinar we will explore: Who should do Roth and who should

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CSRS vs FERS - Full COLA, Diet COLA, or NO COLA
CSRS

CSRS vs FERS – Full COLA, Diet COLA, or NO COLA (w/video)

CSRS vs FERS – Full COLA, Diet COLA, or NO COLA (w/Video) Read the video transcript: Welcome back to the channel. So, FERS employees, I want to compare you to the CSRS system. I know you’ve heard about the CSRS system. I know. I know. You’re green with envy because you’ve heard that they got

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TSP Report on Economic Forecast
Investment

TSP Report – 2024 Economic Forecast

TSP Report2024 Economic Forecast 2024 Economic Forecast – 8 Areas of Macro-Economic concern for the US: 2023 was a challenging year economically, but you wouldn’t notice that from the stock market.  S&P500 ended 2023 up 24%. You’d think there’s nothing wrong with the economy.  However, there are fundamental issues with the economy.  We may not

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The Market

TSP Planning Report November

TSP Report November 2023 Facts: The G Fund rate for November 2023 increased to 5%.  Wow!  The Fed Funds interest rate decreased slightly from 5.5% to 5.3%.   This month’s unemployment rate increased from 3.8% to 3.9%.   The 2nd Estimate for Q3 GDP came in at 5.2%.  Last quarter’s GDP was 2.1%.   PMI (Purchasing Managers Index)

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Federal Sick Leave

Federal Sick Leave: What you need to know. (w/video)

Federal Sick Leave: What you need to know. Read the video transcript: Welcome back. I wanna continue the thoughts about sick leave. Last video we spoke about how sick leave could extend your service. I wanna hone in a little bit further with sick leave and see if there’s any other benefits we could extract

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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? Tuesday December 19th 11am ET In this webinar I explain: The costs of Medicare When you need to worry about

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creating a retirement investment strategy
Retirement

Is Retirement Better at Beginning or End of Year? Updated for 2024

Is Retirement Better at Beginning or End of Year? Updated for 2024 I often hear people say “I’d rather retire sooner than later.” But when the choice of retirement dates is just a matter of a few months, then people often assume there’s not much difference between sooner or later. What difference does a few

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Long Term Care Insurance

The Recurring Long Term Care Insurance Price Increase Ultimatum

The Recurring Long Term Care Insurance Price Increase Ultimatum FLTCIP policy-holders are, once again, being threatened with price increases.(For those who haven’t been following the news, OPM’s Federal Long Term Care Insurance Program (FLTCIP) was suspended in November 2022 because of these price increases.  No new applications are being accepted, but existing FLTCIP policy-holders still

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TSP

TSP Planning Report October

TSP Planning Report October How does the market respond to war? Intuitively, wars introduce economic damage, uncertainty and instability, all ingredients to cause stock markets to fall.  This intuition is supported by actual market performance: The S&P500 dropped 18% in the three months following the start of World War I, in 1914. The S&P500 dropped

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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, Tuesday November 21st 1pm ET:  FSA, HSA or Both? – Which

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Financial Advice

TSP Planning Report September

TSP Planning Report September 2023 Facts: The G Fund rate for September 2023 increased to 4.25%. The Fed Funds interest rate increased to 5.5%. This month’s unemployment rate increased from 3.5% to 3.8%. The 2nd Estimate for Q2 GDP came in at 2.1%. PMI (Purchasing Managers Index) expanded ever-so-slightly after 3 months of contracting, reading

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federal employee financial advisor TSP

Financial Education for Federal Employees

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