3 Essential Tax Planning Strategies for Federal Retirees

There is an old saying that claims, “It’s not how much you make that’s the most important, but how much you keep.” Uncle Sam does his best to take at least a portion of everything we make. It is up to us to understand tax laws and retain as much as possible.

Brad Bobb CFP® | October 6, 2020

Don't Get Bernied!

There has always been a lot of discussion about whether or not it’s worth it to work with an advisor. If you have considered working with an advisor, you have probably thought of this question: “how do I know you aren’t a Bernie Madoff?”

Brad Bobb CFP® | September 9, 2020

The Problem With Having No Life Insurance

Life insurance tends to be a touchy subject. Some people don’t want to discuss death and others just “don’t believe in insurance.”

Brad Bobb CFP® | August 10, 2020

13 Lesser Known Social Security Facts Every Pre-Retiree Should Know

The Federal Retirement System is meant to be a three part system comprised of the FERS Annuity, Social Security, and the Thrift Savings Plan. Because Social Security makes up 1/3 of the federal retirement program, it’s important to understand the

Brad Bobb CFP® | June 9, 2020

Three Things to do With Cash During Quarantine

The nation’s current state is one most of us have never experienced. The majority of the nation has been shut down in response to a global pandemic with severe and changing consequences. One of the most notable consequences is that most federal employees

Brad Bobb CFP® | May 1, 2020

Reduce Taxes on Inherited IRAs

I was in the process of writing an article on handling inherited IRAs when Congress passed the SECURE Act and changed everything. But while things have certainly changed

Brad Bobb CFP® | April 15, 2020

Smart Actions in a Market Downturn

A market downturn, or bear market, can be scary for even the most seasoned investors. Investors can easily run through a rollercoaster of emotions--from the highest of highs to the lowest of lows

Brad Bobb CFP® | March 31, 2020

Move to the G Fund

What should a federal employee do with their Thrift Savings Plan when the market is going down like it has been?

Brad Bobb CFP® | March 16, 2020

Retiring This Year? Here is a PreRetirement Checklist

Retiring can be one of the biggest decisions a person makes in their lifetime and should not be taken lightly. Preparation can be a key component to an enjoyable

Brad Bobb CFP® | February 27, 2020

What Do It Yourselfers Get Wrong

A large percentage of people choose to do their own investing and financial planning. Like anything else, this isn’t necessarily a bad thing if it is done well

Brad Bobb CFP® | February 3, 2020

All TSP Funds Can be Bad

The Thrift Savings Plan (TSP) is a great tool for federal employees to save for retirement. Saving, and even maxing out your contributions to TSP is normally thought of as a good thing. Yes, maxing out your TSP can be very beneficial, but may

Brad Bobb CFP® | January 21, 2020

The Secure Act Means Big Changes to Retirement

On December 20, 2019, the US Senate passed a $1.4 trillion dollar spending deal that included the passing of retirement legislation known as the SECURE Act. This law affects many aspects of retirement that are

Brad Bobb CFP® | January 2, 2020