Search

Your Federal Employee Benefits

Helping Federal Employees Make Smart Financial Decisions

Menu
Skip to content
  • Home
  • Articles By Topic
    • FERS Federal Benefits
      • FERS Annuity / Pension
      • Thrift Savings Plan
      • FEHB
    • Veteran Benefits
    • Personal Finance
  • TOOLS
    • The Financial Planning Checklist For Federal Employees
    • Helpful Links For Federal Employees
    • Submit A Question
  • Work With Jose Armenta

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

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.
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®, CLU®, EA
  • Posted on February 1, 2023March 5, 2025

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

Read More
Best 2022 Articles For Federal Employees
  • Federal Benefits

Top 2022 Articles For Federal Employees

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

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

Read More
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®, CLU®, EA
  • Posted on December 29, 2022December 29, 2022

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

Read More
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®, CLU®, EA
  • Posted on November 30, 2022November 29, 2022

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

Read More
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®, CLU®, EA
  • Posted on October 26, 2022October 27, 2022

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

Read More
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®, CLU®, EA
  • Posted on September 21, 2022October 27, 2022

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

Read More
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®, CLU®, EA
  • Posted on August 3, 2022September 20, 2022

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

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

Withdrawing From Your TSP Early: TSP Age 55 Rule

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on July 20, 2022March 5, 2025

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

Read More
Variable Annuities- What Federal Employees Need To Know
  • Personal Finance

Variable Annuities: What Federal Employees Need To Know

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on July 6, 2022July 6, 2022

Federal employees often ask me if annuities are good or bad? And my response is…

Read More
The Big Mistake To Avoid When Transferring Your TSP
  • Federal Benefits

The Big Mistake To Avoid When Transferring Your TSP

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 22, 2022August 15, 2023

Most federal employees saving for retirement have heard the terms “IRA transfer” and “rollover,” which…

Read More

Posts pagination

Previous Page Page 1 Page 2 Page 3 Page 4 … Page 13 Next Page

Post Types

  • Post (129)
  • Page (18)

Categories

  • Federal Benefits (84)
  • FERS Pension (39)
  • TSP (35)
  • Personal Finance (23)
  • Veteran Benefits (16)

Tags

  • federal employee benefits (55)
  • TSP (52)
  • Federal Employee (47)
  • FERS (43)
  • Personal Finance (23)

Year

  • 2025 (5)
  • 2024 (7)
  • 2023 (11)
  • 2022 (29)
  • 2021 (64)

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.

Popular Posts

  • man in red polo shirt thought a good idea

    The TSP vs. the IRA: What’s the Difference?

    November 18, 2020
  • 3 Retirement Costs Federal Employees Must Plan For

    Why Federal Employees Must Prepare For Spending Shocks In Retirement

    May 4, 2022
  • photo of person holding ceramic mug

    Understanding Your TSP’s Investment Options

    June 2, 2021
  • 3 FERS Pension and TSP Mistakes To Avoid

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

    November 3, 2023
  • Roth Conversions: What They Are & The 3 Things Federal Employees Need To Know

    Roth Conversions: What They Are & The 3 Things Federal Employees Need To Know

    December 1, 2021

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.

  • DISCLOSURES
  • Privacy Policy
  • Create Your Path ADV
×

Loading Comments...

    Get Tips On Maximizing Your Federal Employee Benefits!

    Start on your path to financial freedom by getting our monthly articles full of tips on maximizing your benefits and the occasional freebie.

    Invalid email address
    We do not sell or share your information with anyone.
    You're signed up! Please check your inbox for our confirmation email.