financial planner Stephen Zelcer

Tag: federal employees

financial advice for federal employees

TSP Report December

Facts: Unemployment remained at 3.7%. 3rd Quarter GDP came in at 3.4%, according to the 2nd estimate. PMI, again, posted another solid month of expansion, with the index reading 59.3%. The S&P 500 (C Fund) rebounded and yielded 2.04% Assessment: Unemployment has held strong, holding on to its lowest levels since 1969. 3.4% quarterly GDP is (relatively speaking)

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TSP modernization act changes

This TSP Modernization Rule has already gone into effect.

This TSP Modernization Rule has already gone into effect The TSP Modernization Act is not supposed to go into effect until November 2019, but one rule has already gone into effect.  Below is the actual language from the TSP which you won’t find anywhere because, as the letter below says, this language contradicts what’s currently

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TSP reports for financial planning

TSP Planning Report – November 2018

Facts: Unemployment remained at 3.7%. 3rd Quarter GDP came in at 3.5%, according to the first estimate. PMI, again, posted another solid month of expansion, with the index reading 59.8%. The S&P 500 got walloped and lost 6.3%. Assessment: Unemployment has not seen such lows since 1969. 3.5% quarterly GDP is (relatively speaking) amazing. PMI continues it’s impressive streak, performing well above-average

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webinar financial planning federal employees

Webinar – FSA vs HSA – Which is better for you?

Upcoming Webinar – Free to attend What’s better? FSA or HSA? Can you do both? Both of these plans are available thru FEHB this open season. Understanding the advantages of each can translate into thousands of dollars a year, year after year! Join me in my upcoming webinar – FSA, HSA or Both? – Which

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5 tax tips to reduce your taxes

5 Tax Tips to Reduce Taxes Before Year End [Updated]

Before making a move, did you do your Tax Planning? Reducing taxes is great, and below I have 5 ways you can squeeze-off year-end tax savings.  But before we jump on any opportunity to reduce taxes, we need to clarify something.  Is your objective to lower taxes NOW or LATER? This clarification is critical and is the basis for

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financial advice for federal employees

TSP Report October 2018

The economic indicators are positive.  However, the Fed is raising rates.  How does that impact things? The economic indicators show: Unemployment at 3.7%.  We have not seen such lows since 1969. 4.2% quarterly GDP is amazing and hasn’t happened since 2014. The S&P 500 is looking great, with YTD yield of 10.54% PMI continues it’s impressive streak, performing

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financial advice for federal employees

TSP Planning Report September 2018

Facts: GDP in the 2nd Quarter of 2018 was revised up 4.2%, according to the 2nd estimate. The S&P 500 posted a solid gain of 3.26%. Unemployment remained at 3.9%. PMI, again, posted another stellar month of expansion, with the index reading 61.3%. Assessment: Unemployment is very low, again. 4.2% quarterly GDP is amazing and

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expert for federal employees to retire

TSP Planning Report July 2018

Facts: Unemployment rose to 4%. The S&P 500 posted a modest gain of 0.6%. PMI, again, posted another stellar month of expansion, with the index reading 60%. The 1st estimate for 2018’s 1st quarter’s GDP was revised down to 2%.  And the 2017 4th quarter final number was lowered to 2.9% To read the rest of this month’s

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When can I retire

TSP Planning Report June 2018

Facts: Unemployment dropped  even further, to 3.8%. The S&P 500 posted a solid 2.41% gain. PMI, again, posted another stellar month of expansion, with the index reading 58.7%. The 1st estimate for 2018’s 1st quarter’s GDP was revised down to 2.2%. Assessment: The Unemployment report is almost too exciting.  These levels are flirting with employment levels not

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Webinar for federal employees

TSP Planning Report May 2018

Facts: Unemployment dropped to 3.9%.  Unemployment hasn’t dropped below 4% in 18 years. The S&P 500 posted a paultry gain, up 0.38%. PMI, again, posted another month of expansion, with the index reading 57.3%. The 1st estimate for 2018’s 1st quarter’s GDP was 2.7%. Assessment: The Unemployment report is pretty cool.  It’s been 18 years since employment

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