Most pre-retirement planning meetings we have with Federal Employees primarily focus on deciding at what age to retire or what the approximate expected income will be. These are critical questions to discuss prior to approaching your retirement. Yet, there is another question that should be part of the planning process: Where to retire? There are … Read more
I remember vividly the financial meltdown that the took place in 2008 and the catastrophic effect it had on the TSP C Fund, S Fund, I Fund and L Funds. Tens of thousands of federal employees who were planning on retiring in January, 2009 are still working today because the C Fund, S Fund and … Read more
Looking at average rate of return numbers to evaluate an investment is universally accepted, but unfortunately not an accurate gauge of actual returns. Here is an example of what I mean: A +50% gain in one year followed by a -50% loss the next year, is a zero average percentage and would be reported as … Read more