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  • Federal Benefits

5 Ways Your Federal LEO Retirement Benefits Are Different

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on May 19, 2021February 26, 2025

For the most part, all federal employees enjoy the same robust benefits, such as the…

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  • Personal Finance

Numbers Every Landlord Should Know

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on May 12, 2021May 12, 2021

Everyone’s journey into the world of rental properties is a little different. Some made the…

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  • Federal Benefits

The TSP Loan At A Glance

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

Like many 401(K)s, the Thrift Savings Plan (TSP) allows active participants to borrow from their…

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  • Federal Benefits

Does Your Agency Match Count Toward Your TSP Contribution Limit?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on April 21, 2021February 28, 2025

One of the biggest perks of the Thrift Savings Plan (TSP) is the generous government…

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  • Federal Benefits
  • Video

Can You Have A Roth TSP And Roth IRA? (VIDEO)

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

In this video, I’ll cover whether you can have both a Roth TSP and Roth…

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  • Federal Benefits

How Is Your TSP Taxed?

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

The Thrift Savings Plan (TSP) is a qualified retirement plan, which means the plan meets…

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Financial Planning For Federal Employees
  • Personal Finance
  • Video

What Is Financial Planning? (Video)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on March 24, 2021March 24, 2021

In this video, I’ll cover what financial planning actually is in under 2 minutes. If…

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  • Federal Benefits

What Is FERS Creditable Service And Why Is It Important?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on March 17, 2021February 28, 2025

What Is Creditable Service? You may have heard the term “creditable service,” but what exactly…

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  • Federal Benefits

What Is The FERS MRA?

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

What is the MRA? The minimum retirement age (MRA) is the earliest age at which…

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FERS MRA plus 10
  • Federal Benefits
  • Video

How Federal Employees Can Retire Early (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 24, 2021July 16, 2021

In this video, I’ll cover the MRA+ 10 retirement option in under 3 minutes. If…

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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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