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
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
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
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
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
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
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
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
As you approach retirement, you will likely ask yourself if you are better off keeping your money in the TSP, or are you better off rolling your TSP into an IRA? To answer that question we’ll need to point out that both options have their PROs and CONs. I’ll let you be the judge…. Here
A fiduciary advisor specializing in retirement planning and federal benefits
Stephen Zelcer © 2023 All rights reserved
Made by TB
