What’s on our mind
“An investment in knowledge, pays the best interest.”
Ben Franklin
When it comes to financial matters, opinions often masquerade as facts. That’s a dangerous thing.
Our biggest value is helping clients cut out the noise, clarify what it is truly important in their lives, and create a plan that works for them.
The More You Check Your TSP or Investment Accounts, the Worse You’ll Do
Checking your TSP too often might seem like a responsible habit, but it can actually hurt your long-term financial success. The more frequently you check, the more likely you are to react emotionally to short-term market swings—leading to stress and potentially costly decisions. Instead of monitoring your investments like an ICU patient, adopt a patient, long-term approach. !
Why Most People Quit Their New Year’s Resolutions by Quitters Day – and How to Beat the Odds
Why Most People Quit Their New Year’s Resolutions by Quitters Day – and How to Beat the Odds 🎯 New Year’s Resolutions: Are You Still on Track? As we approach March, let’s check in on something that feels like it happened just yesterday—New Year's resolutions. How are...
TSP Withdrawal Rules for Federal Law Enforcement: Avoid Penalties & Maximize Retirement Savings
TSP Withdrawals for Federal Law Enforcement: Avoid Penalties & Maximize Your Retirement Understanding the “Protecting Public Safety Employees Timely Retirement Act” If you're a Federal Law Enforcement Officer (LEO) planning for retirement, understanding the latest...
Federal Buyouts: Are You Financially Secure or Swimming Naked?
Are You Swimming Naked? Are Federal Buyouts Are Exposing Financial Vulnerabilities? Are Federal Buyouts Revealing Financial Weaknesses Among Employees? Warren Buffett once said, “When the tide goes out, you see who is swimming naked.” In other words, when financial...
The TSP’s Hidden Flaw: How Withdrawal Rules Could Cost Federal Retirees Thousands
The Thrift Savings Plan (TSP) is pretty amazing in many ways. It’s low cost, easy to use, and offers matching contributions*—all of which make it a standout retirement savings option for federal employees. These features make it simple for participants to build a solid nest egg and retire comfortably.
But (and there’s always a “but,” right?) While the TSP shines when it comes to growing your money, it really drops the ball for retirees who are taking money out. It’s a bit like having the best tools to build a house, but no plan for how to maintain it once it’s done.
Becoming a TSP Millionaire isn’t as hard as you think. It is much, much harder.
Becoming a TSP Millionaire isn’t as hard as you think. It is much, much harder. The news has come out recently that number of TSP Millionaires just reached a record high! As of December of 2023, a total of 116,827 people had reached that magical threshold. You might...
The Road to being a TSP Millionaire: Staying Calm
The Road to being a TSP Millionaire: Staying Calm The news has come out recently that number of TSP Millionaires just reached a record high! As of December of 2023, a total of 116,827 people had reached that magical threshold. You might be wondering, how in the world...
You play poker. You don’t play the market.
You play poker. You don’t play the market. I came across the headline below and alternated between laughing and crying. CNBC, one of THE leading financial news media outlets, is touting a ‘potential strategy’ that seems to appeal to the gambler in us. With...
Knowing when to hold them and when to fold them.
According to the iconic Kenny Rogers song, the key to gambling is knowing when to hold’em and when to fold’em. When to stay the course, and when to make a change. The same can be of investing. to investing. When do you hold and when do you sell? I hear this song in...
Business as Usual. Investing summed up in two charts.
Business as usual. Investing summed up in two charts. The US Stock Market # 1 Growth of $10,000 and #2 Percent Below Previous All Time Highs Source: Ycharts.com Over time, the market has gone up. The first chart below indicates the growth of 10K invested in the...
Bumped Up. How misunderstanding tax brackets can cost you.
Bumped Up. Misunderstanding tax brackets can cost you. “Oh great, I got a bonus this year and now I’m up in a higher tax bracket. Most of my bonus is going to taxes!” If I had a quarter for every time, I heard about someone complain about being ‘bumped up’ into...
There is always a reason to sell.
There is always a reason to sell. It’s official, the SP500 is now in bear market territory. Just like last time, and the time before, and the time before that. What’s driving this? The stubbornly high inflation and the aggressive response for the Federal reserve to...
