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FERS Supplement
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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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  • 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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  • Personal Finance

Finding Your Financial Location With A Net Worth Statement

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on December 23, 2020December 23, 2020

WHAT IS A PERSONAL NET WORTH STATEMENT? Once you have your goals defined and have…

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  • Personal Finance

4 Tips For Managing Your Credit Card Debt

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on December 16, 2020December 28, 2022

According to a recent survey by creditcards.com, nearly half of Americans carry a credit card…

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  • 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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  • Veteran Benefits

The VA’s Survivors’ and Dependents’ Educational Assistance Program at a Glance

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on December 2, 2020July 16, 2021

Considering the rapidly increasing cost of college, it’s more important now than ever that veterans…

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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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  • Personal Finance

8 Steps to Create Your Estate Plan: For Federal Employees

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on November 12, 2020February 6, 2022

What is estate planning? Estate planning is the process of arranging how your assets will…

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  • Personal Finance

6 Steps To Define Your Money’s Purpose

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on November 4, 2020December 23, 2020

As important as money is in our lives, many still find it difficult to be…

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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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