Tag: retirement

TSP reports for financial planning

TSP Planning Report – November 2018

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

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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

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Webinar for federal employees

TSP Planning Report May 2018

Facts: Unemployment dropped to 3.9%.  Unemployment hasn’t dropped below 4% in 18 years. The S&P 500 posted a paultry gain, up 0.38%. PMI, again, posted another month of expansion, with the index reading 57.3%. The 1st estimate for 2018’s 1st quarter’s GDP was 2.7%. Assessment: The Unemployment report is pretty cool.  It’s been 18 years since employment

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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

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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,

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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

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financial planning for federal employees

NOW IS THE TIME FOR LIFE INSURANCE

September 1, 2016 1:55 pm Published by Stephen Zelcer It’s finally September 1st, and that means FEGLI open season has begun. There has never been a better time to brush up on all the Life Insurance options available to Federal Employees. The last time this happened was in 2004! There is so much to learn about

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webinar on financial advice federal

MAKING YOUR TSP WORK WITH YOUR OUTSIDE INVESTMENTS

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

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financial advice for federal employees

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

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

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Should I take social security

WHEN SHOULD YOU TAKE SOCIAL SECURITY?

Question: Should I take Social Security early, or on time, or late? Answer: Possibly the most popular Social Security question I receive from clients is whether they should take their Social Security (SS) benefit as early as possible – age 62 – or should they wait until their Full Retirement Age (FRA) to start receiving

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