Tag: Financial Planning

webinar on financial advice federal

Live Webinar: Do you need a Trust?

A trust costs a few thousand dollars. And it seems everyone is doing it. Why? Should you, too? In this webinar you will learn:• The benefits of a trust• The benefits people assume a trust provides, but doesn’t• Whether a trust will solve all your estate planning needs Join me in my next webinar to

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4 investment steps I wish I had known when I was younger

4 Financial Steps I wish I had taken sooner

Hey everybody Stephen Zelcer here.  “I was thinking to myself, what are the financial steps that I wish I’d started sooner. Steps that, had I taken them years ago, they really would have helped me solidify my financial grounding right now. And I thought about it and I came up with the following 4 Steps

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What age should I retire

TSP Planning Report – March 2019

Facts: Unemployment decreased 0.2%, down to 3.8%. 4th Quarter GDP came in at 2.6%, according to the first estimate. PMI posted another month of expansion, with the index reading 54.2%. The S&P 500 (C Fund) gained 3.21% Assessment: 2.6% quarterly GDP is a bit weak.  Slightly concerning. Unemployment decreasing is always a good sign. The S&P 500 is exploding, pacing for

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Webinar Registration

Log in When is the best day to retire? May 9th 11am ET Days Hours Minutes Seconds Register now FEGLI, Survivor Benefits, or Self-Insurance? April 4th 11am ET Days Hours Minutes Seconds Register now A fiduciary advisor specializing in retirement planning and federal benefits Linkedin Facebook Twitter What I do One to One Beacon Education

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tsp planning report

TSP Planning Report – January 2019

Facts: Unemployment increased 0.2%, up to 3.9%. 3rd Quarter GDP came in at 3.4%, according to the 3rd estimate. PMI, posted another month of expansion, with the index reading 54.1%. The S&P 500 (C Fund) got hammered and lost 9.03% (in just 1 month!) Assessment: Unemployment did increase, but this is the first increase in 4 months, and

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government shutdown and what to do

Government Shutdown & Income Diversification

Well, the government has shutdown.  Many of us are now in non-pay status, which can impact our accrual of leave hours, our future Social Security benefits, and – if the shutdown lasts REALLY long – can affect our Federal Pensions. But the loss or reduction of future benefits is likely overshadowed by the immediate loss

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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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Not timing the Market, but time in the Market.

I know the market has been a scary place these past couple of months.  Is now the time to get out? Or get in?  How should you deal with this market volatility? I have a short explainer video that goes thru the thinking and math regarding this decision.  https://youtu.be/OgixvCTcOlo If you would like to work

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5 tax tips to reduce your taxes

5 Tax Tips to Reduce Taxes Before Year End

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 the practice of “tax planning.”  Tax

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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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