How Much Should I Have in Roth Accounts?

One question I have been asked a lot lately is, “how much should I have in Roth IRAs?” Or a more specific question, “What is the ideal mix between tax-deferred, tax free and taxable assets?”

Brad Bobb, CFP® | December 5, 2022

TSP Declines, Context, and Actions

This year the stock market has gone down a little over 25% which can make anyone feel a little uncomfortable. But what do future returns look like after the market has fallen 25%? Knowing this should give investors some context and an idea of future expectations.

Brad Bobb, CFP® | October 24, 2022

The Federal Retiree Who Did Nothing

I want to share a somewhat common scenario I recently saw in hopes that it will help new and future federal retirees. My biggest reason for sharing is that I see this scenario a lot and I hope it resonates with some of my readers.

Brad Bobb, CFP® | September 21, 2022

Is the TSP Cheap?

“The Thrift Savings Plan is cheap” may be the most common statement I hear to describe TSP, typically from people nearing retirement who are considering options outside of TSP. But is the TSP really “cheap”?

Brad Bobb, CFP® | August 24, 2022

TSP Challenges

The Thrift Savings Plan is an important tool in retirement planning and one that most federal employees rely on to an extent, but several issues have surfaced recently that you should be aware of.

Brad Bobb CFP® | August 8, 2022

Inheriting a Spousal TSP

There is a lot of confusion regarding inherited IRAs, especially as they pertain to spousal inherited IRAs and TSP. What happens when a federal employee or retiree dies and has

Brad Bobb CFP® | May 25, 2022

Guide to Federal Employee Group Life Insurance (FEGLI) in Retirement

Federal Employee Group Life Insurance (FEGLI) is one of the many benefits granted to federal employees. But what many employees fail to realize is

Brad Bobb CFP® | May 11, 2022

I Wish I Had.... 5 Regrets of Federal Employees

Have you ever wondered what retirees have to say about their finances after they have retired? Well, after my almost 2 decades experience of working with federal employees, I decide to put together a list of the most common regrets that federal retirees have shared with me.

Brad Bobb CFP® | February 28, 2022

Roth TSP, Roth IRAs and the Five Year Rule

It’s no secret that I am a big fan of Roth accounts and the income tax-free growth they offer. They can be excellent tools for both retirement planning and estate planning; but, it’s important to understand

Brad Bobb CFP® | January 25, 2022

Reduce Your Retirement Tax Bill by Strategic Giving

In Part one of this series we discussed the fact that retirement income is different than employment income. Retirement income tends to be more flexible and gives you more control over when you pay taxes and how much you pay in income taxes

Brad Bobb CFP® | November 19, 2021

Why Tax planning is SO Important in Retirement

If you want to keep more of what you make, then tax planning is essential to your retirement plan. Not only does it help you keep more of what you make in the accumulation phase, but never is it more important than

Brad Bobb CFP® | November 2, 2021

I Don't Like the 4% Rule

Generally speaking, the 4% rule is a guideline that allows for retirees to withdraw 4% of the balance of their investments annually in order to sustain a steady income throughout the entirety of their retirement

Brad Bobb CFP® | September 23, 2021