financial planner Stephen Zelcer

Tag: financial advice

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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Webinar for federal employees

TSP Planning Report August 2018

Facts: The initial estimate for 2018’s 2nd quarter’s GDP came in at a solid 4%, and the final estimate for 2018’s 1st quarter’s GDP was revised up to 2.2%. The S&P 500 posted a solid gain of 3.72%. Unemployment dropped to 3.9%. PMI, again, posted another stellar month of expansion, with the index reading 58.3%. Assessment:

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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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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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FEBRUARY TSP REPORT AVAILABLE NOW!

February 12, 2017 4:22 am Published by Stephen Zelcer Facts: Signs were split this month. The S&P 500 gained close to 1%.  The three month return was a hefty 7.95%! PMI had a whopping increase to 56.0, from 54.7.  This is the first time PMI has broken 55 since November 2014. GDP growth for the 4th quarter

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financial planner federal employees

FEHB Open Season Do’s & Don’ts

Yesterday, I went live on Facebook for the first time to talk about a timely and important topic for Federal Employees. There’s a good deal of money to be saved (& even earned!) when choosing the right FEHB coverage. This live feed can give you some pointers to choose wisely. Check it out below and while you’re at it, join my

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TSP REPORT FOR JUNE 2017

Here’s the scoop for the month of June! Once again, the environment is favoring stock investing. I certainly hear the nay-sayers that are concerned for a “correction,” but I don’t rely on a hunch. I rely on data. All four of the economic indicators have improved this month, again. If I see the economy “correcting”

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EARLY OUTS & BUYOUTS: WHAT IS IT? SHOULD YOU DO IT?

Definitions Early outs and buyouts are in the air, and federal employees are scrambling to make their retirement decisions.  Below are the technical details that surround early outs and buyouts.  Those who know the technical details can skip to the very end of the article where I deal with the pressing question of “Should you do it?” First,

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