Tag: Financial Planning

finance-planner-advisor-federal

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

Read More »

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

Read More »

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

Read More »

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

Read More »

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

Read More »

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

Read More »

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

Read More »
federal employees financial expert

8 KEY DIFFERENCES BETWEEN AN IRA AND THE TSP

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

Read More »
pre-retirement planning seminar

HOW FEDERAL BENEFITS IMPACT ESTATE PLANNING

Question: How do my federal benefits impact my estate? Answer: To frame the answer to this question I will add another question – Why is that important?  By understanding the impact your benefits have on your estate you should be able to get the: Quickest distribution of your assets Correct distribution of your assets Maximum distribution

Read More »

SHOULD YOU ACCELERATE PAYMENTS ON YOUR MORTGAGE (OR ANY DEBT)?

Should you accelerate payments towards your mortgage? I see people do this all the time, especially in the pre-retirement group.  Many people are uncomfortable having any debt, including their mortgage, and they are driven to enter retirement “debt free.”  To rid themselves of debt they make an additional payments of principle each month, on top

Read More »