Rate of return – Stephen Zelcer

TSP Planning Report – November 2018

November 26, 2018 No Comments

Facts: Unemployment remained at 3.7%. 3rd Quarter GDP came in at 3.5%, according to the first estimate. PMI, again, posted another solid month of expansion, with the index reading 59.8%. The S&P 500 got walloped and lost 6.3%. Assessment: Unemployment has not seen such lows since 1969. 3.5% quarterly GDP is (relatively speaking) amazing. PMI continues it’s impressive streak, performing well above-average

financial planning for federal employees

TSP Planning Report April 2018

April 8, 2018 No Comments

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

MAKING YOUR TSP WORK WITH YOUR OUTSIDE INVESTMENTS

July 8, 2016 No Comments

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

DO I NEED TO HAVE MEDICARE? OR IS FEHB ENOUGH?

December 9, 2015 No Comments

A super-popular question I get asked by pre-retirees is whether they should take Medicare Part B. Medicare Part A is free and so it doesn’t bother people as much. But Part B comes with a cost, and that get Feds thinking if they need to pay for BOTH FEHB & Medicare Part B, or just

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

November 18, 2015 No Comments

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

Tag: Rate of return

TSP Planning Report – November 2018

TSP Planning Report April 2018

MAKING YOUR TSP WORK WITH YOUR OUTSIDE INVESTMENTS

DO I NEED TO HAVE MEDICARE? OR IS FEHB ENOUGH?

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