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Author: Jose Armenta, MsBA, CFP®, ChFC®, EA

Hi, I’m Jose Armenta, a Certified Financial Planner practitioner. For over 14 years, I have worked with or among federal employees, from serving in the Marine Corps to my stint as a police dispatcher and now as a financial planner specializing in helping FERS federal employees. In that time, I have spoken to hundreds of federal employees about their benefits and retirement. Helping federal employees maximize their benefits, reduce taxes, and live confidently is a passion of mine. When I am not perfecting financial plans, you’ll find me at the shooting range, playing the drums, or breaching blanket forts with my three little ones.
3 FERS Pension and TSP Mistakes To Avoid
  • FERS Pension
  • Video

3 Big FERS Pension and TSP Mistakes that Federal Employees Can’t Afford to Make

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on November 3, 2023November 3, 2023

In this video, Jose Armenta, CFP®, reviews 3 FERS pension and TSP mistakes that federal…

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What TSP Amount is Needed to Retire?
  • Uncategorized
  • Video

What TSP Amount Is Needed To Retire?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on August 8, 2023August 22, 2023

In this video, I discuss how FERS federal employees can quickly estimate how much they’ll…

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Benefits For New Federal Employees- 4 Tips
  • Personal Finance

Benefits For New Federal Employees: 4 Tips

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on July 26, 2023July 26, 2023

Joining the federal workforce is an exciting milestone for many individuals seeking meaningful and rewarding…

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Should Federal Employees Enroll In Medicare?
  • Medicare

Should Federal Employees Enroll In Medicare?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on June 28, 2023August 15, 2023

As a financial planner for federal employees, you can imagine that I get to help…

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When Should Federal Employees Claim Social Security
  • Social Security

When Should Federal Employees Claim Social Security

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on May 17, 2023August 23, 2023

Social Security benefits are a crucial component of retirement planning for federal employees. However, deciding…

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What Should Federal Employees Do With Their TSP At Retirement?
  • Uncategorized

What Should Federal Employees Do With Their TSP At Retirement?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on April 12, 2023May 12, 2023

As federal employees prepare to retire, they face a critical decision; what should they do…

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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, 2023September 19, 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, 2023August 29, 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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Categories

  • Federal Benefits (83)
  • FERS Pension (36)
  • Personal Finance (23)
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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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YourFederalEmployeeBenefits.com is a Create Your Path (“CYP”) blog. CYP is a registered investment advisor offering advisory services in the State of California and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by CYP in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant to an applicable state exemption. CYP is not employed by the United States Federal Government and does not represent the United States Federal Government. All content on this site is for information purposes only. This website is not personalized investment advice. Securities investing involves risks, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful. Opinions expressed herein are solely those of Create Your Path LLC, unless otherwise specifically cited. Material presented is believed to be from reliable sources, and no representations are made by our firm as to other parties, informational accuracy, or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation.

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