Timothy Sumer

What happens to my Thrift Savings Plan (TSP) after I separate from federal service? FinEd for Feds is dedicated to providing financial planning education that is relevant for U.S. Federal Government Employees. Federal Employee benefits are complicated yet extremely valuable. Our goal is to make your benefits easier to understand and explain how they integrate with other aspects of your financial life. Ultimately, we want you to be educated during your working years and to feel confident and empowered to retire comfortably from federal service. Discovery Wealth Planning LLC is a Registered Investment Advisor. We are fee-only, which means we do not sell products for a commission. We are also a fiduciary and we put client interests first 100% of the time. We offer one-time and ongoing financial planning engagements with a CERTIFIED FINANCIAL PLANNER™ for U.S. Feds. To learn more, please visit This channel is purely educational and should not be considered as financial, legal

As a federal employee, the TSP is one of your biggest investments. But the markets have been tough lately and investing has been difficult. This video covers the number 1 mistake federal employees are making in their TSP this year. #TSP #fersretirement #federalemployees... ( read more ) LEARN MORE ABOUT: Thrift Savings Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing The TSP (Thrift Savings Plan) is a retirement savings plan for federal employees and members of the military. It offers many benefits, including low-cost investment options and potential tax advantages. However, like any investment plan, there are certain pitfalls that newcomers to the TSP may fall into. In this article, we will discuss some common rookie mistakes that individuals make when starting their TSP journey. One of the most prevalent rookie mistakes in the TSP is not contributing eno

Should should you retire as a federal employee? Choosing when to retire as a federal employee can be hard decision. There are so many components to your FERS benefits. Plus, how to you combine those with everything else about retirement planning ? There are factors to note about Social Security, COLAs, TSP, FEHB, and several others. In this video, Thiago Glieger discusses some of the most important details to remember so that you don't make costly mistakes. FREE Newsletter: ============= Popular Videos: ============= The 5 Major Components of a Retirement Plan: Invest Like a Pro, TSP Tips Revealed: Using Roth? Learn About These Mistakes: Massive Changes to RMD Laws: How to Create Your Retirement Income System: ----------------------------------------------------------------------------------------------------------------------- ►Want to see more of our videos? Click here: ►Visit our federal employee retirement website: ►If you're interested in se

We get questions about the Roth TSP, Roth IRAs, Roth conversions, etc. on a regular basis. There are some big pot holes federal employees should avoid. Thiago Glieger, financial advisor for federal employees, discusses some of these main reasons and how to avoid the big mistakes. ----------------------------------------------------------------------------------------------------------------------- ►Want to see more of our videos? Click here: ►Visit our federal employee retirement website: ►If you're interested in setting a time to meet with Thiago Glieger, click here: ►If you'd like help from a team of Certified Financial Planner (CFP) professionals that specialize in working with federal employees, learn more here: -- Subscribe to TFC channel and click the Bell icon to be notified when we release new content. The Fed Corner is a purpose built channel of information and financial planning strategies specifically designed for Federal Employees. We're f

Here's a quick explanation of the differences between traditional TSP or IRA and Roth TSP or Roth IRA. Traditional is where you get paid and you put it in a traditional retirement account , either TSP or IRA, before you pay taxes on it. You’re postponing taxes until later and then hopefully your account grows a whole bunch, and when you take a distribution in retirement, it's taxed at your tax bracket. With Roth, you’re gonna go ahead and pay the tax now and put in after tax money and then hopefully it grows, and at retirement you’re taking money out totally tax free. Roth IRA’s have the 2 rules of having a Roth IRA for five years and being over the age of 59 1/2 when you take out the gains. So which one is better? Well of course that depends on your situation. Check out our channel for more in-depth videos on tax planning and your retirement accounts. The information provided is not intended as tax or legal advice. Figures shown are for illustrative purposes only

Want to know what can derail your retirement? Having a safe and secure FERS retirement involves more than just a TSP investment plan. In this video, Thiago teaches federal employees about a few major retirement mistakes and how to avoid these red flags. ►Visit our federal employee retirement website and share our FREE resources: [POPULAR VIDEOS] ✅ Invest your TSP Like a Pro: ✅ Achieve Success in Retirement: ✅ Massive Social Security Reduction: ✅ Biggest TSP Mistakes: ----------------------------------------------------------------------------------------------------------------------- ►Want to see more of our videos? Click here: ►If you're interested in setting a time to meet with Thiago Glieger, click here: ►If you'd like help from a team of Certified Financial Planner (CFP) professionals that specialize in working with federal employees, learn more here: -- Subscribe to TFC channel and click the Bell icon to be notified when we release new conten

Being successful in the Federal Thrift Savings Plan (TSP) takes work. Federal employees and retirees should take caution to make sure they know how to best utilize the TSP. Federal retirement can last a long time, and you want to make sure you don't run out of money before you run out of time. Learn how to maximize your TSP in this video. ⬇️⬇️ POPULAR FEDERAL RETIREMENT VIDEOS ⬇️⬇️ 3 Retirement HURDLES Beyond Your Portfolio: When Should I Retire as a Federal Employee? How This TSP Millionaire Ran Out of Money: SECURE Act 2.0 - What Federal Employees Need to Know: ----------------------------------------------------------------------------------------------------------------------- ►FREE Newsletter: ►Visit our federal employee retirement website: ►If you're interested in setting a time to meet with Thiago Glieger, click here: ►If you'd like help from a team of Certified Financial Planner (CFP) professionals that specialize in working with federa

#rbi #tsploans #fersretirement Ttsp loanshe Thrift Savings Plan (TSP) is a critical part of a successful retirement goal for FERS retirees. Understanding how to access your TSP in retirement is key, but you also have ways to obtain your funds while working. One way to retrieve TSP funds while employed is through TSP loans. As the name implies, a TSP loan is simply borrowing money from your retirement account . Before taking a TSP loan, the full impact of withdrawing retirement funds early should be considered. Retirement Benefits Institute has trained thousands of federal employees as they make plans for federal retirement. For more information about your federal retirement benefits, go to our website at to get support. The information contained in this video should not be used in any actual transaction without the advice and guidance of a tax or financial professional who is familiar with all the relevant facts. The information contained here is general in nature and i

With the TSP Mutual Fund Windo, there are over 5000 funds you can choose from. But why would you choose to use it? There are several pros and cons. And that's what we're going to look at in today's video. If you need help managing your TSP... Managing your finances for your retirement... And you’ve got $400,000 or more already saved... Then please reach out to us at You can click "talk to an advisor." Or simply give us a call on the number on your screen. Make sure you leave a message so we can call you back The information provided is not intended as tax or legal advice. Figures shown are for illustrative purposes only furthermore, the information nor the illustrations provided may not be used to avoid any tax penalties. This content represents the general views of Christy Capital Management and should not be regarded as personalized investment advice Nothing herein is intended to be a recommendation. The opinions expressed are subject to

The world of finance has a number of “four-letter words” that people consider dirty. Among them: Debt Loss Risk Loan But here we want to focus on another word—a longer word—used in financial planning that some people regard as especially bad. It’s the word “annuity.” Why do so many feel this way? And should they? Are annuities a bad idea? Or, are they a smart, conservative option for some people? Annuities Defined One definition of annuity is “a payment for the rest of your life.” Some federal employees, when talking about their pensions, will say, “I have an annuity.” Another definition of annuity could be “a bucket of assets that you have set aside in a conservative manner.” This would be an accumulation of assets that aren’t at any risk of loss due to stock market exposure. Here, we're going to be talking about that second kind—not the “income for the rest of your life” type of an annuity that federal employees have. Usually, people that have a pension, an

A family recently came to see us with a retirement plan that was failing. We took a look at what happened, and despite them being a TSP millionaire we found some serious mistakes in their retirement plan . These mistakes unfortunately cost them about $1 million dollars collectively in their Thrift Savings Plan (TSP) and other investments. Thiago Glieger discusses exactly what these mistakes were, and how federal employees can avoid making them too. Plus, at the end, he discusses how they may have been able to see it coming all along. ►►Sign up for our FREE newsletter as mentioned ►► Other videos mentioned: [BUCKET STRATEGY VIDEO] [MASSIVE CHANGES TO RMD] [SECURE ACT 2.0 LAW CHANGES] [THE TRUTH ABOUT INFLATION] 0:00 Retirement scenario 1:12 Identifying first mistake 2:30 What they should have done instead 3:02 Issues with their distributions 5:17 Even more mistakes 7:39 Prevention 8:07 What-if planning 8:23 Even more information ---------------------------------

Retirement Benefits Institute has trained thousands of federal employees as they make plans for federal retirement. For more information about your federal retirement benefits, go to our website at to get support. The information contained in this video should not be used in any actual transaction without the advice and guidance of a tax or financial professional who is familiar with all the relevant facts. The information contained here is general in nature and is not intended as legal, tax or investment advice. Furthermore, the information contained herein may not be applicable to or suitable for the individuals’ specific circumstances or needs and may require consideration of other matters. RBI is not a broker-dealer, investment advisory firm, insurance company, or agency and does not provide investment or insurance-related advice or recommendations. Brandon Christy, President of RBI, is also president of Christy Capital Management, Inc. (CCM), a registered investment

Retirement Benefits Institute has trained thousands of federal employees as they make plans for federal retirement. For more information about your federal retirement benefits, go to our website at to get support. The information contained in this video should not be used in any actual transaction without the advice and guidance of a tax or financial professional who is familiar with all the relevant facts. The information contained here is general in nature and is not intended as legal, tax or investment advice. Furthermore, the information contained herein may not be applicable to or suitable for the individuals’ specific circumstances or needs and may require consideration of other matters. RBI is not a broker-dealer, investment advisory firm, insurance company, or agency and does not provide investment or insurance-related advice or recommendations. Brandon Christy, President of RBI, is also president of Christy Capital Management, Inc. (CCM), a registered investment

#rbi #TSPwithdrawals FERSretirement Retirement Benefits Institute has trained thousands of federal employees as they make plans for federal retirement. For more information about your federal retirement benefits, go to our website at to get support. The information contained in this video should not be used in any actual transaction without the advice and guidance of a tax or financial professional who is familiar with all the relevant facts. The information contained here is general in nature and is not intended as legal, tax or investment advice. Furthermore, the information contained herein may not be applicable to or suitable for the individuals’ specific circumstances or needs and may require consideration of other matters. RBI is not a broker-dealer, investment advisory firm, insurance company, or agency and does not provide investment or insurance-related advice or recommendations. Brandon Christy, President of RBI, is also president of Christy Capital Management,