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  • Federal Benefits

The Federal Employee’s Dependent Care FSA At A Glance

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 17, 2021July 16, 2021

As childcare costs continue to rise exponentially, it’s critical that all Federal employees understand one…

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Investing TSP
  • Federal Benefits
  • Video

2 Quick Tips to Help You Invest Your TSP (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 10, 2021June 10, 2021

In this video, I’ll cover 2 tips to help you invest your TSP the right…

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  • Federal Benefits

What Happens To Your FERS Pension When You Kick The Bucket?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 3, 2021July 28, 2021

Your FERS pension has a survivor benefit. The survivor benefit allows your spouse (or someone…

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Buying Back Military Time
  • Federal Benefits

5 Things You Need To Know About Buying Back Military Time (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 1, 2021July 16, 2021

In this video, I’ll cover the 5 things you need to know about buying back…

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  • Federal Benefits

The FERS Disability Retirement Option

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 27, 2021July 16, 2021

As a Federal employee, you are not offered short-term disability coverage. However, you do have…

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FERS Deferred Retirement
  • Federal Benefits
  • Video

The FERS Deferred Retirement In Under 3 Minutes (VIDEO)

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

Federal employees covered under FERS who separate from service before meeting the requirements for an…

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Financial planning for Federal Employee
  • Video
  • Video

The Most Important Step In A Successful Financial Plan (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 18, 2021January 31, 2021

Here are the two reasons defining your Why is the most important step in creating…

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  • Personal Finance

6 Tips To Tune-Up Your Finances For The New Year

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 13, 2021January 13, 2021

As you kick off your new year, it’s important that you take the time to…

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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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  • Personal Finance

Defining the Why Behind Your Financial Life Plan

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 6, 2021January 6, 2021

Many people think that financial planning is investment management or insurance sales, but those are…

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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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