financial planner Stephen Zelcer

My Blog

My Blog

Categories
Archives

Recent Blog Posts

OPM suspended its Long Term Care program. Now What?
Live Webinar

New Live Webinar: OPM suspended its Long Term Care program.  Now What?

New Webinar: OPM suspended its Long Term Care program. Now What? OPM’s suspension of the Long Term Care program has Federal employees wondering what their options are. In this webinar Wednesday February 15th 11am ET: I will provide an overview of the situation Explore alternative options Address the fundamental question of whether you even need

Read More »
TSP

TSP Planning Report 2023

TSP Planning Report January 2023 Facts: The G Fund rate for Jan 2023 increased back to 4%.  It was 4.25% in November 2022.   The Fed Funds interest rate increased to 4.33%.  It was .08% last year.  This month’s unemployment rate dropped to 3.5%.   PMI (Purchasing Managers Index) contracted for the 2nd time in 30 months,

Read More »
what are the alternatives to the G Fund
Debt Ceiling

What are the Alternatives to the G fund?

Alternatives to the G fund –Even when the Debt Ceiling is not threatening the G Fund: Alternatives to the G Fund: Before I get into the Debt Ceiling and its relationship with the G fund, I first want to begin by sharinghow I help clients re-create G fund benefits outside the TSP. Here’s what investors

Read More »
TSP planning report image for December
TSP

TSP Planning Report December 2022

TSP Planning Report December 2022 Facts: The G Fund rate for December 2022 actually decreased to 3.875%.  It was 2.75% in August.   The Fed Funds interest rate increased to 4.33%.  It was 3.83% last month.  It was .08% last year.  This month’s unemployment rate remained at 3.7%.   PMI (Purchasing Managers Index) contracted for the first

Read More »
Federal Benefits

OPM has Suspended Enrollment for the Federal Long Term Care Insurance Program

OPM has Suspended Enrollment for the Federal Long Term Care Insurance Program In case you haven’t heard,  the U.S. Office of Personnel Management (OPM) is temporarily suspending applications for coverage in the Federal Long-Term Care Insurance Program (FLTCIP) to allow their agency and the FLTCIP Carrier to thoroughly assess their benefit offerings and establish sustainable premium rates.  OPM

Read More »
TSP Planning Report for 2021
TSP

TSP Planning Report November 2022

TSP Planning Report November 2022 Facts: The G Fund rate for November 2022 increased to 4.25%. It was 2.75% in August. The Fed Funds interest rate increased to 3.83%. It was 2.5% in August. In June in was 1.65%, and 0.9% in May. This month’s unemployment rate increased back to 3.7% from 3.5%. PMI (Purchasing

Read More »
The Market

TSP Planning Report October 2022

TSP Planning Report October 2022  Facts: The G Fund rate for October 2022 increased to 4%.  It was 3.375% in September, and 2.75% in August.   The Fed Funds interest rate remains at 3.25%.  It was 2.5% in August. In June in was 1.65%, and 0.9% in May. The Fed anticipates 1 more rate increase this

Read More »
guide to federal employees benefit milestones
Financial Advice

Key Milestones in the Career of a Federal Employee [Updated]

Key Milestones in the Career of a Federal Employee – Updated I’ve seen it many times.  Federal employees who thought they would only spend a few years as a Fed and move on, only to find themselves still a Fed 20+ years down the road.  This unintentional floating along in a Federal job can be

Read More »
TSP

TSP Planning Report September 2022

September 2022 TSP Planning Report: Facts: The G Fund rate for September 2022 increased to 3.375% It was 2.75% last month.   The Fed Funds interest rate increased to 3.25.  It was 2.5% in August. In June in was 1.65%, and 0.9% in May. The Fed anticipates 1 more rate increase this year, in November.  This month’s unemployment rate increased

Read More »
do I need an annuity
Webinar

New Webinar – Do you need an annuity?

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

Read More »
TSP report August 2022 from Stephen Zelcer
The Market

TSP Planning Report August 2022

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

Read More »
Federal Retirement

Unusual things to know about retiring December 31st 2022

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

Read More »

Subscribe to My Blogs

Get fresh insightful content delivered to your inbox

Thank you very much for subscribing to my Newsletter. 

Stephen

Samples of my media work

federal employee financial advisor TSP

Financial Education for Federal Employees

Stephen Zelcer © 2024 All rights reserved

Made by TB