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Tag: Personal Finance

4 Risks Federal Employees Face In Retirement
  • Federal Benefits

4 Risks Federal Employees Face In Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on March 22, 2023March 22, 2023

As federal employees enter retirement, they cross into foreign territory littered with risks. These risks…

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When Can Federal Employees Contribute To A Roth IRA
  • Personal Finance

When Can Federal Employees Contribute To A Roth IRA?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on February 15, 2023February 15, 2023

Roths are a powerful federal retirement planning tool! Whether it be your Roth TSP or…

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8 Ways Federal Employees Can Improve Their Finances In The New Year
  • Personal Finance

8 Ways Federal Employees Can Improve Their Finances In The New Year

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on December 29, 2022December 29, 2022

Given the wild year of market ups and downs paired with inflation we haven’t seen…

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End-of-Year Tax Planning For Federal Employees- Part 4 Avoiding The Wash Sale
  • Personal Finance

End-of-Year Tax Planning For Federal Employees: Part 4 Avoiding The Wash Sale

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on November 30, 2022November 29, 2022

After a year of wild stock market swings and declines, most federal employees have investment…

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End of Year Tax Planning For Federal Employees: Part 3 Tax Loss Harvesting
  • Personal Finance

End of Year Tax Planning For Federal Employees: Part 3 Tax Loss Harvesting

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on October 26, 2022October 27, 2022

Most federal employees don’t think about their taxes until April 15th is around the corner,…

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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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3 Reasons Why Federal Employees Should Hire A Financial Advisor
  • Personal Finance

3 Reasons Why Federal Employees Should Hire A Financial Advisor

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on January 12, 2022January 22, 2022

Personal finances can be complicated, especially when you’re a federal employee with a robust benefits…

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Public Service Loan Forgiveness
  • Personal Finance

The Public Service Loan Forgiveness Program For Federal Employees

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on January 5, 2022January 28, 2022

The Public Service Loan Forgiveness (PSLF) Program is a federal program designed to encourage students…

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house lights turned on
  • Personal Finance

Numbers Every Landlord Should Know

  • by Jose Armenta, MsBA, CFP®, ChFC®, 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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Financial Planning For Federal Employees
  • Personal Finance
  • Video

What Is Financial Planning? (Video)

  • by Jose Armenta, MsBA, CFP®, ChFC®, 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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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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