Tag: financial advice

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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TSP REPORT FOR MAY 2017

May 15, 2017 2:29 pm Published by Stephen Zelcer Alrighty! The May TSP Planning Report is out! Once again, the environment is favoring stock investing. C fund and S funds are looking good. Even the I fund shows signs of normalcy. So, Take a look at some of the more aggressive portfolios. You may be surprised to

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Should I delay medicare enrolment?

MEDICARE DELAYED ENROLMENT PENALTY

I hope you’re doing well. My wife and I took your FERS planning course (and then audited a second time) last year and we have a question that has come up.  I hope you don’t mind helping on this point. As we are approaching a certain age we are being flooded with ads for Medicare Advantage type

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TSP REPORT FOR APRIL 2017

April 27, 2017 7:38 am Published by Stephen Zelcer The following is an excerpt from my monthly TSP report that I’ve created to guide Federal Employees in allocating their money in the Thrift Savings Plan. Facts: Of the four broad economic indicators, three were positive this month. Unemployment was improved, down to 4.5% which is 0.2% lower than it

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TSP REPORT FOR JANUARY 2017

January 11, 2017 1:03 pm Published by Stephen Zelcer Happy 2017!!! It’s time to update your TSP. This month my recommended allocations have shifted notably. The US business cycle is reporting strengths in many key areas, suggesting that the some of the asset classes are actually LESS RISKY than they have been over the past 10-12 months. In

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POST-ELECTION DECEMBER TSP REPORT

December 12, 2016 2:43 pm Published by Stephen Zelcer The election is over. Now what? Just stick to the plan, and keep making your progress. Of course I have heard people preach with conviction that “the market is due for a correction.” Maybe, but there aren’t any indicators suggesting that. In fact, all of my indicators were

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FSA OR HSA? WHICH WILL SAVE YOU MORE MONEY THIS OPEN SEASON?

November 29, 2016 5:36 am Published by Stephen Zelcer Here’s a brief overview and comparison of the HCFSA (Health Care Flexible Spending Account) and HSA (Health Savings Account).  Both of these plans can help you save much on taxes and both are available to you this open season (November 14- December 12, 2016). What are the benefits of

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TSP REPORT – NOVEMBER 2016

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

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IS RETIREMENT BETTER AT END OR BEGINNING OF YEAR?

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

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MAKING YOUR TSP WORK WITH YOUR OUTSIDE INVESTMENTS

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

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