Annuities Have Big Tax Advantages Over CD’s

The most important skill a financial planner brings to the table for their client is not knowledge, designations, or even experience. A planner’s most important asset is his or her ability to put down the pen and listen to each client’s wants, needs, anxieties, hopes, and dreams. It is only then that he or she can best […]

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OPM Breach: Update

OPM Hacked You probably remember that in early June, the Obama administration and OPM announced that the OPM systems were breached in April, and that the information of around 4 million Federal Employees was compromised. A Second Breach Unfortunately, we now know about a second, more severe breach of the same systems that exposed the information of […]

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Then and Now: The Stock Market Crashes of 1929 and 2008

Downton Abbey and the Inevitable One of the most popular shows on TV right now is Downton Abbey, the BBC’s historical drama about the residents of a grand manor house in the English countryside from 1912-1924. Since the show first began the family and servants of Downton have been through the sinking of the Titanic, World […]

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Building a Sufficient Retirement Nest Egg

It’s the same old story: you’re going about your everyday routine and then all of a sudden retirement comes into focus. Turning 50 and not having anything put away for retirement leaves you breaking out in a sweat at night as you try to fall asleep. You envisioned leaving work at an age when you could actually […]

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Socially Responsible Investing: Should You Invest In Companies That You Don’t Believe In?

Socially Responsible Investing As the array of investment options continues to grow, investors have the opportunity to be more and more selective about the companies they choose to invest in, often choosing or rejecting certain stocks according to the ethical principles of the company they represent. There are many terms used to describe this trend; ethical, socially […]

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529 Plan vs. Life Insurance (plus an infographic!)

[Scroll down for infographic] The Media Debate It’s hard to turn on the TV or listen to the radio nowadays without hearing a commercial about investing in a 529 plan or buying insurance as a way to pay for college. The 529 plan vs. life insurance debate isn’t new, but recent media attention has drawn the topic into the spotlight. 529 […]

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The TSP’s Millionaires:  An Example for Us All

The Number In December 2013, the government announced that the TSP’s millionaires had reached an all-time high of over 1,600. That may not seem too impressive when you consider that there are currently over 2.7 million Federal Employees, but no one goes into government service thinking they are going to be the next dot.com billionaire at a […]

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Baby Boomers: Worse Off Than Their Parents in Retirement

2008: The Baby Boomers’ Swan Song A recent Businessweek Online article tells the story of Lee Manchester. Lee is a 61-year-old baby boomer. She worked hard her whole life and even tried to start her own business back in the 80’s. Today, she finds herself with only $120,000 in a 401(k) and a home that she can’t […]

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Unveiling A New Online Federal Annuity Calculator

The Problem Here at Fed Nav we’re always looking for new ways to help Federal Employees learn about their benefits and retirement options. Recently, we studied the online federal annuity calculators currently available and we weren’t happy with what we saw. Most of the calculators we found required a lot of complicated data and didn’t […]

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The CSRS Voluntary Contribution Program

The CSRS Voluntary Contribution Program has been available to CSRS or CSRS Offset employees for many years. VCP can be a very useful option for the CSRS employee to significantly increase their retirement savings by allowing them to contribute up to 10% of their lifetime federal earnings to this account.  Unfortunately FERS employees or those who transferred to FERS from CSRS […]

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