Webinar: When should you take Social Security?
May 6, 2026
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When should you take Social Security? A fantastic webinar with Stephen Zelcer, fiduciary advisor to federal employees.
Tag: federal employees
New Webinar – Do you need an annuity?
December 3, 2025
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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
Is Retirement Better at Beginning or End of Year? Updated for 2024
November 10, 2023
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Is Retirement Better at Beginning or End of Year? Updated for 2024 I often hear people say “I’d rather retire sooner than later.” But when the choice of retirement dates is just a matter of a few months, then people often assume there’s not much difference between sooner or later. What difference does a few
Key Milestones in the Career of a Federal Employee [Updated]
October 21, 2022
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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
Webinar: How to create investment income in retirement without killing your portfolio
April 27, 2022
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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
Q&A: Does diversification require being invested in all the TSP funds, including the I fund?
September 4, 2020
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Q&A: Does diversification require being invested in all the TSP funds, including the I fund? Question Stephen, Thanks for your class on the L funds and how the I fund is inefficient. After thinking about it, I don’t recall anyone asking about diversification. One of the benefits of the L fund is diversification. I know
Sign Up for a “Taste” of Financial Planning w/ Stephen
May 21, 2020
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Special TSP Planning Report March 2020
March 26, 2020
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Facts before the Coronavirus meltdown: Unemployment came in at 3.5%. 4th Quarter GDP was 2.1%, according to the 2nd estimate. PMI expanded, with the index reading to 50.1%. The S&P 500 (C Fund) decreased -8.24% during the month of February. Projections after the Coronavirus meltdown: Unemployment range 9% – 30% !!!!! To put in perspective,
TSP Planning Report – October 2019
October 6, 2019
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Facts: PMI contracted again, with the index reading to 47.8%. 2nd Quarter GDP was 2%, according to the updated 3rd estimate. Unemployment remained at 3.5%. The S&P 500 (C Fund) increased 1.87% during the month of September. Assessment: PMI has contracted for the 2nd consecutive month. This is on the heels of a 31 month expansion hot
Financial Planning Classes with Stephen
July 23, 2019
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Financial Planning Classes with Stephen Already have an Account? Log in to your account Sign Up First Time? Sign up for our special Introductory Class We’ll help you get started, so you can make the most of the software and this fantastic opportunity to work with Stephen. Enroll here for online training classes Classes Every
