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

Variable Annuities: What Federal Employees Need To Know

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

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

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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®, EA
  • Posted on June 22, 2022June 22, 2022

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

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What Federal Employees Need To Know About Working In Retirement
  • Federal Benefits

What Federal Employees Need To Know About Working In Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on June 8, 2022June 8, 2022

Many federal employees plan to work at least part-time in retirement. Some make this decision…

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New 2022 TSP Features
  • TSP

The New 2022 TSP Changes

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on May 25, 2022May 24, 2022

For over a year, we have been hearing that the Federal Retirement Thrift Investment Board…

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Diversification: Reducing The Risk In Your TSP
  • TSP

Diversification: Reducing The Risk In Your TSP

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on May 18, 2022May 17, 2022

Every federal employee has heard the saying, “Don’t put all your eggs in one basket.”…

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Are Your TSP Investments Right For You?
  • TSP

Are Your TSP Investments Right For You?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on May 11, 2022May 11, 2022

Do you lose sleep every time the financial markets decline, or do you view a…

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3 Retirement Costs Federal Employees Must Plan For
  • Federal Benefits

Why Federal Employees Must Prepare For Spending Shocks In Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on May 4, 2022May 5, 2022

Federal retirees face numerous risks in their golden years. These risks often fall into three…

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Most Important Factor For Federal Employees To Consider When Deciding When To Claim Social Security
  • Social Security

Life Expectancy: What Federal Employees Need To Consider When Deciding When To Claim Social Security

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on April 27, 2022April 27, 2022

As a federal employee, one of the biggest decisions you face when preparing for retirement…

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What Are TSP Age-Based Withdrawals
  • TSP

What Is The TSP Age-Based Withdrawal?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on April 20, 2022April 19, 2022

Many federal employees are unfamiliar with the Thrift Savings Plan’s withdrawal options, and for good…

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The Biggest Risk Federal Employees Face As They Approach Retirement
  • TSP

The Biggest Risk Federal Employees Face As They Near Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on April 13, 2022April 13, 2022

The years immediately before and after retirement are often referred to as the fragile decade…

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Meet Your Financial Planner


Hi, I’m Jose Armenta, a Certified Financial Planner practitioner specializing in helping federal employees understand and integrate their federal benefits into a comprehensive financial plan. For over 14 years, I have worked with and among federal employees, first as a Marine, then as a police dispatcher, and now as a financial planner helping FERS federal employees.

If you’d like to learn more about how my 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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