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Tag: Personal Finance

Benefits For New Federal Employees- 4 Tips
  • Personal Finance

Benefits For New Federal Employees: 4 Tips

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on July 26, 2023July 26, 2023

Joining the federal workforce is an exciting milestone for many individuals seeking meaningful and rewarding…

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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, 2023September 19, 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, 2022April 10, 2023

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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  • Federal Benefits (83)
  • FERS Pension (35)
  • TSP (28)
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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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