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Category: Federal Benefits

FERS MRA Plus 10
  • Federal Benefits

What is the FERS MRA + 10 Retirement?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 20, 2021February 26, 2025

Federal employees covered under the FERS retirement system are offered a unique retirement option, the…

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FERS Immediate Retirement
  • Video
  • Video

The FERS Immediate Retirement In Under 3 Minutes (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 11, 2021January 20, 2021

Federal employees covered under FERS who wish to retire under the immediate retirement option must…

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FERS Supplement
  • Video
  • Video

The 4 Things You Need To Know About The FERS Supplement (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 4, 2021January 18, 2023

If you are covered by FERS and retire before age 62, you may be eligible…

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analysis blackboard board bubble
  • FERS Supplement

The FERS Supplement At A Glance

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on December 30, 2020February 28, 2025

If you are covered by FERS and retire before age 62, you may be eligible…

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airbus aircraft airplane airport
  • Federal Benefits

What is the FERS Enhanced Pension Multiplier?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on December 9, 2020February 28, 2025

Any Federal employees hired after January 1, 1987, are covered under the Federal Employees Retirement…

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  • Federal Benefits

The Federal Employee’s Flexible Spending Account at a Glance

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on November 25, 2020July 16, 2021

A flexible spending account (FSA), also called a “flexible spending arrangement,” is a savings account…

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man in red polo shirt thought a good idea
  • Federal Benefits

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

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on November 18, 2020February 28, 2025

The Thrift Savings Plan (TSP) and the Individual Retirement Arrangement (IRA) share many similarities, such…

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  • Federal Benefits

How Much Federal Employees’ Group Life Insurance Do You Need?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on October 5, 2020July 16, 2021

For many of us, life insurance is an essential part of our risk management plan;…

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Traditional TSP VS Roth TSP
  • Federal Benefits

Which Thrift Savings Plan Is Right For You? Roth Vs. Traditional

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on September 28, 2020March 4, 2025

Having the choice of contributing to a Traditional TSP or a Roth TSP provides you…

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  • Federal Benefits

Your Federal Employees’ Group Life Insurance at a Glance

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on September 21, 2020July 16, 2021

The Federal Employees’ Group Life Insurance (FEGLI) program provides group term life insurance to eligible…

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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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