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Should You Elect The FERS Survivor Annuity Benefit?
  • Survivor Benefit

Should Federal Employees Elect A Survivor Benefit?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on July 28, 2021March 4, 2025

When you retire, you’ll have the option of providing a survivor annuity for your beneficiaries…

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Transferring The TSP To An IRA
  • Federal Benefits

What To Consider Before Transferring Your TSP To An IRA

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

When you separate from federal service, you will have an important decision: should you leave…

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Why Federal Employees Retire At Age 62
  • Federal Benefits

4 Reasons Why Federal Employees Retire At 62

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on July 14, 2021March 4, 2025

When federal employees are trying to choose a time to retire, they often hear that…

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Federal Employees Health Benefits (FEHB) coverage
  • Federal Benefits
  • Video

Will Your Spouse Keep FEHB If You Die? (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on July 7, 2021July 16, 2021

In this video, Jose Armenta, CFP®, reviews the requirements that must be met for your…

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  • Federal Benefits

What Happens To Your Federal Employee Health Benefits In Retirement?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 30, 2021July 6, 2021

As a federal employee, you know that you have a robust employee benefits package, and…

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Calculating FERS Annuity
  • Federal Benefits
  • Video

How To Calculate Your FERS Pension (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 23, 2021July 16, 2021

In this video, I’ll review how to calculate the FERS annuity and why it’s important…

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  • Federal Benefits

Withdrawing From Your TSP Early

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 16, 2021February 28, 2025

Although many federal employees believe that they must wait until age 59 ½ before taking…

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Contributing To Your TSP
  • Federal Benefits
  • Video

Are You Contributing Enough To Your TSP? (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 9, 2021June 9, 2021

In this video, I’ll cover a few rules of thumb for contributing to your TSP.…

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  • Federal Benefits

Understanding Your TSP’s Investment Options

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 2, 2021June 17, 2021

Among the many benefits of working in the Federal government is the Thrift Savings Plan…

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  • Veteran Benefits

8 Ways Veterans Can Cut Their Child’s College Costs

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on May 26, 2021July 16, 2021

As college costs continue to rise, funding what could be a substantial education expense remains…

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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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