financial planner Stephen Zelcer

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TSP Planning Report December 2021

December 2021 TSP Planning Report:   Facts: This month’s unemployment rate decreased from 4.6% to 4.2%.  Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 61.1, compared to last month’s 60.8. The S&P 500 (C Fund) decreased .69%

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Accessing your TSP at age 55
Q&A

Q&A – Accessing your TSP at age 55

Q&A – Accessing your TSP at age 55 Question Stephen, I was in one of your classes earlier this year and have a question if that is OK. I am retiring the end of December just over MRA at 57. I have 33 years of service. I plan to take the Social Security Supplement. It

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Header image from Should I use my TSP to start a business
Debt

Should I use my TSP to start a business?

Q&A – Should I use my TSP to start a business? (This article originally appeared as Ask Bob: Do I Qualify For a TSP Hardship Withdrawal – here) Question My wife and I started a business, but due to COVID, materials, construction prices dramatically increased and permitting delays we have not been able to open

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TSP Planning Report for 2021
TSP

November TSP Planning Report 2021

November 2021 TSP Planning Report: Facts: This month’s unemployment rate decreased from 4.8% to 4.6%.  Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 61.1, compared to last month’s 60.8. The S&P 500 (C Fund) increased 7% in

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Medicare

Watch Now – Should I take Medicare?

Watch Now – Should I take Medicare? 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? In this webinar I explain: The costs of Medicare When you need to worry about Medicare penalties When you can

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image from retire early in the year and get free money from the FSA
FSA

Retire early in the year, and get free money from FSA

Retire early in the year, and get free money from FSA I admit – I get a guilty feeling when I share this one. Health Care FSA has this interesting feature – it reimburses you for your medical expenses even with money that you have not yet funded into your FSA. See here: https://www.fsafeds.com/support/faq/all/1003  “If

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TSP

TSP Planning Report – October 2021

October 2021 TSP Planning Report: Facts: This month’s unemployment rate decreased from 5.2% to 4.8%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 59.9, compared to last month’s 59.5. The S&P 500 (C Fund) decreased 4.65% in September, compared to an increase 3.03% in

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Picture of a a Q&A for the retirement planning article
Federal Retirement

Q&A – Funding & Replenishing the 10-year bucket

Q&A – Funding & Replenishing the 10-year bucket Question Hi Stephen, I set up the 10-year conservative bucket, as you instructed.  It represents 10-years of investment income.  I love the idea!  I just had some questions:  When do I draw income from the conservative bucket, and do I need to replenish the conservative bucket as some point?  If yes,

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Should I take medicare?
FEHB

Should you take Medicare? – New Webinar

Should you take 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? My next Webinar – Should you take Medicare? In this webinar I explain: The costs of Medicare When you need to

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TSP

TSP Planning Report – September 2021

TSP Planning Report – September 2021 Facts: This month’s unemployment rate decreased from 5.4% to 5.2%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 59.9, compared to last month’s 59.5. The S&P 500 (C Fund) increased 3.03% in August, compared to

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Do you need a trust? Live webinar
Financial Advice

Do you need a Trust? – New Live Webinar

Do you need a Trust? – New Live Webinar A trust costs a few thousand dollars. And it seems everyone is doing it. Why? Should you, too? In this webinar you will learn: • The benefits of a trust • The benefits people assume a trust provides, but doesn’t • Whether a trust will solve

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federal employee financial advisor TSP

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