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Tag: federal employee benefits

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

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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5 Things Federal Employees Need To Know About RMDs
  • Federal Benefits

5 Things Federal Employees Need To Know About RMDs

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on March 30, 2022March 28, 2022

Many federal employees have heard about Required Minimum Distributions (RMDs), and although most will be…

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Tax Diversification For Federal Employees
  • Federal Benefits

What Federal Employees Need To Know About Tax Diversification?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on March 23, 2022March 22, 2022

An overwhelming number of federal employees that come to me for help have most of…

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When Are Federal Employees Ineligible For A Roth IRA?
  • Federal Benefits

What Happens When Federal Employees Make Ineligible Roth IRA Contributions?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on March 16, 2022March 14, 2022

Most of us can agree that Roths are great. Whether it be your Roth TSP…

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The Backdoor Roth IRA: What Federal Employees Need To Know
  • Federal Benefits

The Backdoor Roth IRA: What Federal Employees Need To Know

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on March 9, 2022March 14, 2022

A common question I get from highly motivated savers is whether they can contribute to…

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Contributing To Your TSP After Separating From Federal Service

Contributing To Your TSP After Separating From Federal Service

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on February 16, 2022February 15, 2022

Sooner or later, you will separate from federal service, and whether you are called to…

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3 Early Retirement Options For Federal Employees
  • FERS Pension

3 Early Retirement Options For Federal Employees

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on February 9, 2022February 9, 2022

For some federal employees working until they’re eligible for the traditional FERS retirement just isn’t…

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Federal Long Term Care Insurance Program FLTCIP
  • Federal Benefits

Quickstart Guide To The Federal Long Term Care Insurance Program

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on December 15, 2021December 14, 2021

Most federal employees know someone who has required long-term care at some point in their…

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What Federal Employees Should Do 1 Year Before Retirement
  • Federal Benefits

What Federal Employees Should Do 1 Year Before Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on November 10, 2021November 10, 2021

Although, as a federal employee, you should begin planning for retirement years before you hand…

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How Will Your Federal Retirement Benefits Be Taxed?
  • Federal Benefits

How Will Your Federal Retirement Benefits Be Taxed?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on October 27, 2021December 4, 2021

Many federal employees don’t realize the impact that taxes will have on their retirement income.…

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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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