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

  • Federal Benefits

Withdrawing From Your TSP Early: TSP Age 55 Rule

  • Personal Finance

3 Reasons Why Federal Employees Should Hire A Financial Advisor

  • 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?

Featured image with bold navy text reading 'VERA & THE SUPPLEMENT' centered on a light gray background. Represents early federal retirement and the FERS supplement.
  • FERS Supplement

VERA and the FERS Supplement: What You Need to Know

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on May 25, 2025May 27, 2025

For federal employees considering early retirement under the Voluntary Early Retirement Authority (VERA), one of…

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New Changes to the Federal Retirement
  • Federal Benefits

Major Changes to Your Federal Retirement Benefits Could Be Just Weeks Away

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on May 19, 2025June 13, 2025

If you’re a federal employee considering retirement in the next year or two, now is…

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When Not To Convert Your TSP To A Roth IRA
  • Tax Planning

5 Situations When a TSP Roth Conversion Could Cost You More in Taxes

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on March 2, 2025March 2, 2025

Roth conversions can be an excellent tax planning tool, but they aren’t for everyone. While…

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Should You Retire Early for the FERS Supplement or Delay for the 10% Pension Bonus?
  • FERS Pension

Should You Retire Early for the FERS Supplement or Delay for the 10% Pension Bonus?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 16, 2025February 16, 2025

Retirement planning is one of the most significant financial decisions you’ll make, and for FERS…

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What is your FERS pension really worth?
  • FERS Pension

Understanding the True Value of Your FERS Pension. What is Your FERS Pension Really Worth?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 9, 2025March 3, 2025

What Is Your Federal Pension Really Worth? When thinking about retirement, many federal employees overlook…

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When Should FERS Federal Employees Convert Their TSP to a Roth IRA?
  • Uncategorized

Should You Do a Roth Conversion with Your TSP?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on November 18, 2024March 20, 2025

For FERS federal employees, converting your Thrift Savings Plan (TSP) to a Roth IRA can…

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How FERS Federal Retirees Can Avoid The Social Security Tax Torpedo
  • Social Security
  • Video

How FERS Federal Retirees Can Avoid The Social Security Tax Torpedo

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on September 16, 2024September 15, 2024

In this video, Jose Armenta, CFP®, reviews how to reduce your taxes in retirement and…

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How to Reduce your Retirement Taxes by reducing Social Security provisional income
  • Tax Planning
  • Video

How to Cut Your Tax Bill In Half When You Start Federal Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on August 20, 2024August 20, 2024

In this video, Jose Armenta, CFP®, reviews the impact different types of income can have…

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Which Accounts Should You Pull from First in Federal Retirement?
  • Tax Planning
  • Video

Should You Withdraw from Traditional TSP or Roth TSP First?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on August 11, 2024March 21, 2025

In this video, Jose Armenta, CFP®, discusses the difference an optimal withdrawal strategy can have…

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4 TSP Withdrawal Strategies For the FERS Federal Retiree
  • Uncategorized
  • Video

4 TSP Withdrawal Strategies for the FERS Federal Retiree

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on March 11, 2024March 20, 2025

How Should I Withdraw From My TSP in Retirement? As a federal employee nearing retirement,…

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Meet Your Financial Planner


Jose Armenta is a Certified Financial Planner practitioner specializing in helping FERS federal employees understand and integrate their federal benefits into a comprehensive financial plan.

As a FERS retirement expert, he has helped thousands of federal employees understand their benefits from a financial planning perspective and integrate them into their financial plans.

As a former Marine and police dispatcher, Jose takes great pride in serving those who serve our great nation.

If you’d like to learn more about how his 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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