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Tag: Social Security

How FERS Federal Retirees Can Avoid The Social Security Tax Torpedo
  • Social Security
  • Video

How FERS Federal Retirees Can Avoid The Social Security Tax Torpedo

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on September 16, 2024September 15, 2024

In this video, Jose Armenta, CFP®, reviews how to reduce your taxes in retirement and…

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How to Reduce your Retirement Taxes by reducing Social Security provisional income
  • Tax Planning
  • Video

How to Cut Your Tax Bill In Half When You Start Federal Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on August 20, 2024August 20, 2024

In this video, Jose Armenta, CFP®, reviews the impact different types of income can have…

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When Should Federal Employees Claim Social Security
  • Social Security

When Should Federal Employees Claim Social Security

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on May 17, 2023August 23, 2023

Social Security benefits are a crucial component of retirement planning for federal employees. However, deciding…

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What Federal Employees Need To Know About Working In Retirement
  • Federal Benefits

What Federal Employees Need To Know About Working In Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on June 8, 2022March 2, 2025

Many federal employees plan to work at least part-time in retirement. Some make this decision…

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Most Important Factor For Federal Employees To Consider When Deciding When To Claim Social Security
  • Social Security

Life Expectancy: What Federal Employees Need To Consider When Deciding When To Claim Social Security

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on April 27, 2022April 27, 2022

As a federal employee, one of the biggest decisions you face when preparing for retirement…

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4 Tax Pitfalls Federal Employees Need To Avoid
  • Federal Benefits

4 Tax Pitfalls Federal Employees Need To Avoid

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on April 6, 2022April 6, 2022

There are many financial mistakes that federal employees can make throughout their life, but some…

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3 Things Federal Employees Must Know About Social Security Benefits
  • Social Security

3 Things Federal Employees Must Know About Social Security

  • by Jose Armenta, MsBA, CFP®, ChFC®, CLU®, EA
  • Posted on January 26, 2022January 28, 2022

Your FERS retirement benefits consist of three main components: The Basic FERS Retirement Pension, Social…

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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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