Tag: Financial Planning

transform debt into wealth webinar

Webinar: Transforming Debt into Wealth

Is debt bad? Most Americans have debt of some sort (Mortgages, Student loans, Auto loans, TSP loans, CCs…). Understanding that debt can actually be a tool you leverage to build your wealth will give you a deeper insight as to whether you need to accelerate paying off your debt or put your money to better

Read More »
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

Read More »
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

Read More »
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:

Read More »
expert for federal employees to retire

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

Read More »
When can I retire

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

Read More »
financial planning for federal employees

TSP Planning Report April 2018

Facts: The S&P 500 had ANOTHER drop of 2.55%. PMI, again, posted another solid month of expansion, with the index increasing to 59.3%. The 3rd estimate for the 4th quarter’s GDP was increased to 2.7%. Unemployment was stable at 4.1%.  It’s been at 4.1% for 5 months. Assessment: Although the S&P losses over the past two

Read More »

TSP Planning Report March 2018

March 12, 2018 Facts: The S&P 500 had a HUGE drop of  3.7%. PMI, again, had explosive growth, up almost a full percent from last month to 60.8%. The 2nd estimate for the 4th quarter’s GDP is 2.5%. Unemployment was stable at 4.1%.  It’s been at 4.1% for 4 months. Assessment: If we could ignore

Read More »

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

Read More »

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,

Read More »