The Impact of Inflation on Your Retirement

Keeping Inflation in Mind When designing your retirement plan and investment portfolio, it is important to invest with the impact of inflation in mind. Inflation decreases your purchasing power over time and erodes investment returns. To maintain your standard of living over a retirement that could last 30 years or more you must combat this erosive […]

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The Service Computation Date Comes in Five Flavors

Comes in Five Flavors There are five different service computation dates that you should be familiar with.  They are used to determine your leave accrual rate, career tenure, in-grade pay increases, retirement eligibility, retirement annuity, retention position during a reduction in force, and TSP vesting. An Often Adjusted Date A Federal Employee’s service computation date (SCD) for most purposes is […]

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Will You Outlive Your Money?

There are far more seniors living today than ever before. As a group, they are more active, healthier and more involved than any previous generation.  However, this longevity and active lifestyle, which most of us call “livin,’” is expensive. In fact, with gas and food prices on the rise, Americans’ disposable income is under a […]

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Start Saving Now

There’s an old saying, “The best time to plant an oak tree was 20 years ago.”  Unfortunately, 20 years has passed, so the next best time to plant an oak tree is today. We recently had a visit from a 58-year-old gentleman who had been through a nasty divorce.  It left him broke.  However, he […]

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What’s Ahead for the Feds in 2015?

Cliched Investment Strategies In almost every family, there’s a relative who tries to dominate the dinner conversation with cliched investment strategies. Often, these so-called “strategies” just create more confusion, offer few specifics, and fail to provide a plan of action. When you get right down to it, you just can’t do much with advice like, […]

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Your 2015 Financial Resolutions

New Year’s Resolutions:  Weight, Taxes, and Memoirs In the weeks before Christmas we often dwell too much on what we don’t have or what we have not accomplished, instead of counting our blessings. We start making goals and resolutions, usually about losing weight, getting our taxes done early, or (my favorite) writing our memoirs. Changes at the […]

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Santa is Retired

Santa Has Left the Building If you haven’t already heard, Santa gave up his breaking-and-entering delivery schedule long ago. Initially, Sears, Macy’s, and Gimbels took over. Today, Amazon, Walmart, eBay, and Alibaba have taken the reins. Instead of having to send long, heartrending petitions to Santa pleading for a toy train, fire truck, or little […]

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The S&P 500, Not Just Another NASCAR Race

My dad loved to watch sports. Nothing made for a more perfect Saturday than a couple of college games on either side of the dial and a NASCAR race in between. It didn’t take a hometown team on the screen to make the outcome matter, just intense competition and cheering fans on the sidelines. Oddly […]

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TSP Withdrawal Options: In-Service, Age-Based and Still Trucking

When it comes to TSP withdrawal options, three choices usually come to mind: early withdrawal due to financial problems, early withdrawal for a down payment on a house (exempt from the 10% early withdrawal penalty), or monthly withdrawals in retirement. Federal Employees often forget that they can also make a penalty-free withdrawal once they reach age […]

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Federal Employees are Not Putting Enough Money into the TSP

The Head of Blackrock Speaks Larry Fink, the head of the company that manages all of the TSP funds (except the G fund), stated in the October meeting of the Federal Retirement Thrift Investment Board that he is concerned that Federal Employees are not putting enough money into the TSP. The government automatically contributes to your TSP account […]

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