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Tag: TSP

New 2022 TSP Features
  • Federal Benefits

The New 2022 TSP Changes

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on May 25, 2022May 24, 2022

For over a year, we have been hearing that the Federal Retirement Thrift Investment Board…

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Diversification: Reducing The Risk In Your TSP
  • Federal Benefits

Diversification: Reducing The Risk In Your TSP

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on May 18, 2022May 17, 2022

Every federal employee has heard the saying, “Don’t put all your eggs in one basket.”…

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Are Your TSP Investments Right For You?
  • Federal Benefits

Are Your TSP Investments Right For You?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on May 11, 2022May 11, 2022

Do you lose sleep every time the financial markets decline, or do you view a…

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3 Retirement Costs Federal Employees Must Plan For
  • Federal Benefits

Why Federal Employees Must Prepare For Spending Shocks In Retirement

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on May 4, 2022May 5, 2022

Federal retirees face numerous risks in their golden years. These risks often fall into three…

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What Are TSP Age-Based Withdrawals
  • Federal Benefits

What Is The TSP Age-Based Withdrawal?

  • by Jose Armenta, MsBA, CFP®, ChFC®, EA
  • Posted on April 20, 2022April 19, 2022

Many federal employees are unfamiliar with the Thrift Savings Plan’s withdrawal options, and for good…

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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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4 Tax Pitfalls Federal Employees Need To Avoid
  • Federal Benefits

4 Tax Pitfalls Federal Employees Need To Avoid

  • by Jose Armenta, MsBA, CFP®, ChFC®, 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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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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What Is The TSP Hardship Withdrawal
  • TSP

What Is The TSP Hardship Withdrawal?

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

Most federal employees are familiar with the rules for putting money into their Thrift Savings…

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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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