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Tag: Federal Employee

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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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  • 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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  • Federal Benefits

The Federal Employee’s Dependent Care FSA At A Glance

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 17, 2021July 16, 2021

As childcare costs continue to rise exponentially, it’s critical that all Federal employees understand one…

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Investing TSP
  • Federal Benefits
  • Video

2 Quick Tips to Help You Invest Your TSP (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 10, 2021June 10, 2021

In this video, I’ll cover 2 tips to help you invest your TSP the right…

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  • Federal Benefits

What Happens To Your FERS Pension When You Kick The Bucket?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 3, 2021July 28, 2021

Your FERS pension has a survivor benefit. The survivor benefit allows your spouse (or someone…

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Buying Back Military Time
  • Federal Benefits

5 Things You Need To Know About Buying Back Military Time (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on February 1, 2021July 16, 2021

In this video, I’ll cover the 5 things you need to know about buying back…

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  • Federal Benefits

The FERS Disability Retirement Option

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 27, 2021July 16, 2021

As a Federal employee, you are not offered short-term disability coverage. However, you do have…

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FERS Deferred Retirement
  • Federal Benefits
  • Video

The FERS Deferred Retirement In Under 3 Minutes (VIDEO)

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 25, 2021July 16, 2021

Federal employees covered under FERS who separate from service before meeting the requirements for an…

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FERS MRA Plus 10
  • Federal Benefits

What is the FERS MRA + 10 Retirement?

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 20, 2021February 26, 2025

Federal employees covered under the FERS retirement system are offered a unique retirement option, the…

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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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