November 7, 2016 10:24 pm Published by Stephen Zelcer Election day is tomorrow.(!) Although the outcome of the election is uncertain, the economic wheels are already in-motion, and this month’s report and recommended portfolios reflect that. TSP investors have asked me if any portfolio changes should be done ASAP or wait until after the election? Good
October 9, 2016 3:30 am Published by Stephen Zelcer 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 months make? Here are some
September 1, 2016 1:55 pm Published by Stephen Zelcer It’s finally September 1st, and that means FEGLI open season has begun. There has never been a better time to brush up on all the Life Insurance options available to Federal Employees. The last time this happened was in 2004! There is so much to learn about
A mistake that Federal Employees make with their TSP is NOT coordinating their TSP with their outside investments. This mistake is very common and has many different applications. Here’s a true story to illustrate: My client (at that time they weren’t yet a client) took me up on my free consultation offer. One of the points we discussed was maximizing
Question: How do my federal benefits impact my estate? Answer: To frame the answer to this question I will add another question – Why is that important? By understanding the impact your benefits have on your estate you should be able to get the: Quickest distribution of your assets Correct distribution of your assets Maximum distribution
A super-popular question I get asked by pre-retirees is whether they should take Medicare Part B. Medicare Part A is free and so it doesn’t bother people as much. But Part B comes with a cost, and that get Feds thinking if they need to pay for BOTH FEHB & Medicare Part B, or just
Should you accelerate payments towards your mortgage? 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 an additional payments of principle each month, on top
Question: Should I take Social Security early, or on time, or late? Answer: Possibly the most popular Social Security question I receive from clients is whether they should take their Social Security (SS) benefit as early as possible – age 62 – or should they wait until their Full Retirement Age (FRA) to start receiving
Question: Do you need to take FEGLI, or are you sufficiently insured between your assets, survivor benefits and social security? Answer: There are 3 core life insurance considerations that will shape the answer to the above question. Do you need life insurance at all? How much Life insurance coverage should you have? What is the appropriate
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