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 December 2nd 11am ET: FSA, HSA or Both? – Which
TSP Report October 2025 Facts: The Federal Reserve cut its benchmark “Federal Funds Rate” range from 4.25%-4.50% to 4.00%-4.25%. The G Fund rate, which can be influenced by Federal Reserve policy, fell by 0.125% in September to 4.250%. The unemployment rate ticked up to 4.3% while job growth continues to soften. Evidence of substantial layoff
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? Thursday October 30th 11am ET In this webinar I explain: The costs of Medicare When you need to worry about Medicare penalties
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
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
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