Lifestyle Creep

One of the biggest obstacles to accumulating wealth is what I call ‘Lifestyle Creep’. Lifestyle creep is your spending increasing along with your income and it can delay retirement

Brad Bobb CFP® | June 20, 2017

FERS Supplement and the Earnings Test

Many federal employees will be fortunate enough to retire before the age of 62. Those individuals will be eligible to collect additional income from the FERS supplement

Brad Bobb CFP® | June 13, 2017

When Colleges Compete You Win!

Flexibility is HUGE for families that want to save money on the cost of college. Casting a broad net in your college search can pay off by the thousands

Brad Bobb CFP® | June 8, 2017

Social Security Changes for 2017

Every year, many details of Social Security change. These changes affect both the workers paying in to the system and the retirees collecting benefits

Brad Bobb CFP® | June 1, 2017

Two Ways to Save on the Cost of College

Today’s rising college costs are leaving families wondering how they are going to pay for four years of college. Most families I work with want to help their kids pay

Brad Bobb CFP® | May 22, 2017

Save Money on Life Insurance by Layering

Most adults with families have a need for life insurance, and the product of choice is usually a term policy. The most common time periods

Brad Bobb CFP® | May 15, 2017

The Worst Investment For Your TSP

The financial services industry has gotten a pretty poor reputation over the years. One joke is that the quickest way to end a conversation at a party is to tell people you are a financial advisor

Brad Bobb CFP® | May 15, 2017

It Starts With Your Expected Family Contribution

An important part of the college planning process for every family is knowing and understanding your Expected Family Contribution, also known as your EFC.

Brad Bobb CFP® | May 9, 2017

Should You Take an Early Out

The Environmental Protection Agency (EPA) announced that they will begin offering employees buyouts and early retirement incentives in 2017. Since then, I have been getting emails from

Brad Bobb CFP® | May 2, 2017

9 Ways to Maximize Your Thrift Savings Plan

The Thrift Savings Plan (TSP) is meant to be a huge source of retirement income for federal employees. The FERS retirement system is based on three different sources of income

Brad Bobb CFP® | April 27, 2017

Two Roth TSP Myths

The Roth TSP began four years ago in 2012. Even though it has been around four years I have found very few people that are taking advantage of it.

Brad Bobb CFP® | April 27, 2017

Should You Keep Money In Your TSP After Retirement?

The answer to this question boils down to two more questions: How much access do you want to your money in retirement?

Brad Bobb CFP® | April 27, 2017