Do you need an Annuity?:Will you outlive your retirement income and run out of money? Not if you have an annuity! However, not all annuities are created equal, and not everyone needs an annuity. Annuities are insurance products that cost money. And some annuities are irrevocable. But the financial advisors (and the TSP) aggressively peddle these
TSP Planning Report 2022 Facts: The G Fund rate for August 2022 dropped to 2.75%. It was 3% in July. The Fed Funds interest rate increased to 2.5%. In June in was 1.65%, and 0.9% in May. The Fed anticipates more rate increases over the remainder of this year. This month’s unemployment rate dropped slightly
Unusual things to know about retiring December 31st December 31st is always a popular retirement date, but this year, 2022, it’s especially popular – because this year December 31st is also the last day of a pay-period, and last day of the month, and the last day of the leave year – a trifecta! What’s
TSP Planning Report July 2022 Facts: The G Fund rate for July 2022 remained at 3%. The Fed Funds interest rate increased to 2.4% from last month’s 1.65%, and from May’s 0.9%, and they anticipate more rate increases over the remainder of this year. This month’s unemployment rate remained unchanged, at 3.6%. PMI (Purchasing Managers
June 2022 TSP Planning Report: Facts: The G Fund rate for June 2022 remained at 3%. The Fed Funds interest rate increased to 1.65% from last month’s 0.9%, and they anticipate more rate increases over the remainder of this year. This month’s unemployment rate remained unchanged, at 3.6%. PMI (Purchasing Managers Index) continued to expand
TSP Planning Report May 2022 May 2022 TSP Planning Report: Facts: The G Fund rate for April 2022 was increased to 3% , from April’s 2.5%. The Fed Funds interest rate increased to 0.9% from last month’s 0.5%, and they anticipate more rate increases over the remainder of this year. This month’s unemployment rate remained unchanged, at
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?
April 2022 TSP Planning Report: Facts: The G Fund rate for April 2022 was increased to 2.5% , from March’s 2%. This month’s unemployment rate decreased from 3.8% to 3.6%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 57.1, compared to last month’s 58.6.
Webinar: How to create investment income in retirement without killing your portfolio We spent a career squirrelling away money for retirement, expecting our portfolios will be able to carry us thru our golden years. But are our expectations unreasonable? How long will our portfolios last? Is there a certain amount of portfolio income that is
TSP Planning Report March 2022 Facts: The G Fund rate for March 2022 was increased to 2% , from February’s 1.825%. It was 1.325% in March 2021. This month’s unemployment rate decreased from 4% to 3.8%. Unemployment was at 6.2% a year ago, in Feb 2021. PMI (Purchasing Managers Index) continued to expand (any reading
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,
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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Stephen
A fiduciary advisor specializing in retirement planning and federal benefits
Stephen Zelcer © 2023 All rights reserved
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