financial planner Stephen Zelcer

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Ho to opt out of Medicare B, green Q&A image
Medicare

Q&A: How to opt out of Medicare Part B

Q&A – How to opt-out of Medicare B Question Hey Stephen!   My husband retired and already collecting Social Security,  He is turning 65 this summer.  We understand that since he’s collecting Social Security, he will automatically be enrolled in both Medicare A & B when he turns 65.  We don’t want to take Medicare B,

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image description: calendar with retirement written in red ink
Estate Planning

What is the best day to retire? – Live Webinar

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

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Tsp planning report february 20222
Federal Benefits

TSP Planning Report February

TSP Planning Report February 2022 Facts: The G Fund rate for February 2022 was increased to 1.825%, from January’s 1.625%. This month’s unemployment rate increased from 3.9% to 4%.  Unemployment was at 6.2% in Feb 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading

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TSP Planning advice for Federal Employees
Financial Advice

TSP Planning Report January 2022

TSP Planning Report January 2022 Facts: The G Fund rate for January 2022 was set at 1.625%. This month’s unemployment rate decreased from 4.2% to 3.9%.  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

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Should you accelerate payments towards your mortgage (or any other debt)?
Debt

Should you accelerate payments towards your mortgage (or any other debt)?

Should you accelerate payments towards your mortgage (or any other debt)? I see people do this all the time, especially in the pre-retirement group. Many people are uncomfortable having any debt, including their mortgage, and they are driven to enter retirement “debt free.” To rid themselves of debt they make additional payments of principle each

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do you need life insurance image
FEGLI

FEGLI, Survivor Benefits, or Self-Insurance? Live Webinar

FEGLI, Survivor Benefits, or Self-Insurance? Live Webinar Do you need life insurance?  I know some people assume life insurance is a ‘must have’, but is it?    And if you do need life insurance, how much?  And which type of life insurance is the best? Close analysis of this topic will show that your insurance

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Image for Should I frontload my HSA investment?
HSA

Q&A: Should I front-load my HSA investment?

Q&A – Should I front-load my HSA investment? Question Hey Stephen!   We opened an HSA this year!  I’m excited to fund it and have the money invested.    We have the cash and we can front-load the entire HSA contribution now at the beginning of the year.   Is it better to front-load all the money now, and

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Retirement Portfolio

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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federal employee financial advisor TSP

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