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

Going it Alone

Today’s world is full of do-it-yourselfers, and rightfully so due to our access to information. Anything from house repairs to car repairs to investing can be done on your own, but the question I ponder is, “Is it worth it?”

Brad Bobb CFP® | November 19, 2019

TSP Modernization Act is Here, What Now?

On September 15, the TSP Modernization Act should be in place giving federal employees more access to their Thrift Savings plan. What does that mean and how will it affect federal employees?

Brad Bobb CFP® | September 12, 2019

Retire Now or Work Longer?

Federal employees considering retirement are constantly debating whether or not they should work for another year, or two years, or even three

Brad Bobb CFP® | August 14, 2019

Different Advisors and Their Compensation

Seeking financial advice can be a daunting task for federal employees. There are many types of advisors that provide advice and most of them will claim that they are

Brad Bobb CFP® | July 10, 2019

Evaluating a LEO or ATC Contract Position

Many federal employees are in the fortunate position of having the option of moving to a contract position at retirement, or even before they plan to retire. This can happen with specialties

Brad Bobb CFP® | June 21, 2019

My Pet Peeves in the Financial Industry

The financial advice industry has gotten plenty of bad press in the past and rightfully so. The industry is not isolated from criminals, deception and

Brad Bobb CFP® | May 8, 2019

Survivor Annuity Versus Life Insurance

A common practice of married federal employees is to take a survivor annuity when they retire. The goal of the survivor annuity is to guarantee a benefit for a surviving spouse

Brad Bobb CFP® | April 25, 2019

Benefits Decisions at FERS Retirement

The final step toward retirement in the workplace is filling out retirement paperwork. That paperwork contains a few very important decisions for

Brad Bobb CFP® | February 20, 2019

The Best Time to Collect Social Security

Collecting Social Security at the right time can have a big impact on retirement. Many people could benefit by delaying Social Security past the age of 62, however

Brad Bobb CFP® | January 3, 2019