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  • Federal Benefits

How Do The FERS COLAs Work?

  • Federal Benefits

4 Ways Your Federal LEO Retirement Benefits Are Different

  • Federal Benefits

5 Things You Should Know About Withdrawing From Your TSP

  • Federal Benefits

How Much Should You Contribute To Your TSP?

  • Federal Benefits

What is the FERS MRA + 10 Retirement?

4 Risks Federal Employees Face In Retirement
  • Federal Benefits

4 Risks Federal Employees Face In Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on March 22, 2023March 22, 2023

As federal employees enter retirement, they cross into foreign territory littered with risks. These risks…

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When Can Federal Employees Contribute To A Roth IRA
  • Personal Finance

When Can Federal Employees Contribute To A Roth IRA?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on February 15, 2023February 15, 2023

Roths are a powerful federal retirement planning tool! Whether it be your Roth TSP or…

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How Federal Employees Can Manage Their TSP In Retirement - 4 Percent Rule
  • Uncategorized

How Federal Employees Can Manage Their TSP In Retirement: The 4 Percent Rule

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on February 1, 2023February 7, 2023

You’ve worked hard for years, and now it’s time to ride into the sunset, but…

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Best 2022 Articles For Federal Employees
  • Federal Benefits

Top 2022 Articles For Federal Employees

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on January 11, 2023February 13, 2023

I think every federal employee can agree that 2022 was an eventful year. This past…

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8 Ways Federal Employees Can Improve Their Finances In The New Year
  • Personal Finance

8 Ways Federal Employees Can Improve Their Finances In The New Year

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on December 29, 2022December 29, 2022

Given the wild year of market ups and downs paired with inflation we haven’t seen…

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End-of-Year Tax Planning For Federal Employees- Part 4 Avoiding The Wash Sale
  • Personal Finance

End-of-Year Tax Planning For Federal Employees: Part 4 Avoiding The Wash Sale

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on November 30, 2022November 29, 2022

After a year of wild stock market swings and declines, most federal employees have investment…

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End of Year Tax Planning For Federal Employees: Part 3 Tax Loss Harvesting
  • Personal Finance

End of Year Tax Planning For Federal Employees: Part 3 Tax Loss Harvesting

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on October 26, 2022October 27, 2022

Most federal employees don’t think about their taxes until April 15th is around the corner,…

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End of Year Tax Planning For Federal Employees - Part 2 Bunching
  • Personal Finance

Mid-Year Tax Tips For Federal Employees: Part 2

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on September 21, 2022October 27, 2022

For part two of our tax planning series, we’re going to review one of the…

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Mid-Year Tax Tips For Federal Employees: Part 1
  • Federal Benefits

Mid-Year Tax Tips For Federal Employees: Part 1

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on August 3, 2022September 20, 2022

It’s hard to believe that half the year has gone by already, and while summertime…

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Withdrawing From Your TSP Early: Part 2 Age 55 & 50
  • Federal Benefits

Withdrawing From Your TSP Early: Part 2 Age 55 And 50

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on July 20, 2022July 20, 2022

While the TSP is great since it provides certain tax benefits and allows federal employees…

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Meet Your Financial Planner


Hi, I’m Jose Armenta, a Certified Financial Planner practitioner specializing in helping federal employees understand and integrate their federal benefits into a comprehensive financial plan. For over 14 years, I have worked with and among federal employees, first as a Marine, then as a police dispatcher, and now as a financial planner helping FERS federal employees.

If you’d like to learn more about how my firm can help you reduce taxes, maximize your benefits, and live confidently knowing you are making smart financial decisions, schedule a free consultation today using the appropriate tab in the menu.

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