Timothy Sumer

When you leave a job, you should stop and think about rolling your 401(k) into a 401(k) Rollover IRA. Instead of automatically transferring it to your new employer's plan. You could benefit from several advantages of a rolling your retirement plan savings into an IRA. Advantages may include 1) Greater Control and Flexibility; 2) Lower Fees; 3) Portability; 4) Improved Estate Planning. Ray Contact or text Ray Higgins at (858) 251-6873. Email Ray: raymond.higgins@higginscapital.com Higgins Capital is a San Diego fiduciary financial advisor and wealth manager. Subscribe to this YouTube Channel Now: Download FREE Financial Resources from this episode: Sign up for the Higgins Capital Newsletter: Download The Higgins Capital Net Worth Tool: Our focus is investment management and financial planning. We share our knowledge for your benefit. We emphasize Vision, Transparency and Trust to help you focus on the things you can control and the things you can’t. Visit o

The term "fiduciary" is used a lot these days. Do you understand how the different types of fiduciaries effect your TSP? In this video we touch on basic concepts you should know about who is responsible to you for your Thrift Savings Plan. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. In this episode we will go over: - The levels of fiduciaries on your Thrift Savings Plan - Why is the term fiduciary important? - Are the people managing your TSP fiduciaries? 0:00 Intro 0:49 Who is the fiduciary for the TSP? 1:18 Fiduciary for you and your family 1:34 Factors in choosing a fiduciary 2:31 The value of a CERTIFIED FINANCIAL PLANNER™ Professional 3:30 Knowing the Thrift Savings Plan 4:08 Regulations on TSP accounts 4:53 Do you consider the people managing your TSP a fiduciary? CERTIFIED FINANCIAL PLANNER™ Resourc