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What is a Health Savings Account?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 19, 2020January 13, 2023

As healthcare costs continue to rise, employer-provided healthcare benefits are becoming a critical part of…

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  • Federal Benefits

Snapshot of the FERS Pension

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 7, 2020March 3, 2025

The Federal Employees Retirement System (FERS) became effective January 1, 1987, replacing the Civil Service…

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  • Federal Benefits

Three Advantages of the TSP

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 5, 2020August 29, 2021

The Thrift Savings Plan (TSP) is designed to closely resemble the private sector’s 401(k). Although…

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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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