STEPHEN ZELCER'S INVESTMENT GUIDANCE FOR TSP INVESTORS


What is the TSP (Thrift Savings Plan) & why is it important?

The Thrift Savings Plan (TSP) is a savings and investment vehicle that helps Federal Employees,  members of the uniformed services, and postal employees save for retirement. It is very similar to a 401(k), however it has a number of advantages such as a large employer match (up to 5% of your salary) as well the the lowest investment costs in the industry.  Your participation in the TSP, as well as your choice of investment allocations will determine the performance of your TSP account.  Participating in the TSP will give you the opportunity to grow your wealth and as well as the opportunity to retire sooner, rather than later.

Who is Stephen Zelcer?

Stephen is a Federal Employee Financial Advisor.  He stands at the intersection between Federal Benefits and personal finance and he advises federal employees on how to integrate their Federal benefits with the rest of their financial life.  Stephen can guide you in what you could or should be doing to make the most of your money.  Through this site, you can gain access to Stephen's recommended TSP portfolios and get his investment guidance on a monthly basis.

What is the TSP Planning Membership Service?

TSP Planning is Stephen's unique way of helping Federal Employees MAXIMIZE their TSP to reach their investment/retirement goals. Stephen is the GPS for TSP investors.  Just as your GPS monitors for traffic, road closures, tolls, delays, alternate routes, etc., to help you reach your destination as quickly and efficiently as possible, so too, Stephen monitors the TSP investment environment and he warns investors of any changes that make certain TSP Funds more risky, as well as points out good opportunities which can provide you with higher returns, thus enabling you reach your retirement destination as quickly and efficiently as possible. By becoming a member of TSP Planning, you will receive Stephen's monthly guidance to help you reach your TSP goals.

Don't guess and hope like other TSP investors!  Let's Plan your TSP!

  • Do you know how much money you will need in your TSP in order to retire?
  • Do you know what rate of return your TSP needs for you to reach your retirement goal?
  • Do you know what rate of return to expect from your current TSP allocation?
  • How much will your TSP have to lose before you switch your current allocation?
  • Do you know what chances of loss your current TSP allocation exposes you to?

If you struggle to answer these questions, you’re not alone. Through my classes and clients I have discovered that virtually 100% of TSP investors HAVE NO PLAN!  They all GUESS their TSP allocation, HOPE their TSP grows, they all HOPE their TSP doesn't lose.  But when you ask them the above questions they won't even know how to answer!

Don't GUESS & HOPE with your TSP.  Get the answers to the above questions using my TSP GOALS CALCULATOR.  By answering these questions, and positioning your TSP in line with your answers, you will be in a different league of investors.


Join Stephen's following!

Not receiving Stephen's TSP guidance yet?  What are you waiting for?  Stephen has already helped thousands of Federal Employees at dozens of Agencies MAXIMIZE their Thrift Savings Plan.


Working with Stephen

Greg is an attorney for the Federal Government.  For years, Greg has been guessing his TSP allocation.  He discussed it with his fellow coworkers only to discover that they were guessing too!  It wasn't until Greg started using Stephen's TSP Planning service that he really began to understand how to make an TSP investment decision.

Stephen showed Greg how to PLAN his TSP, which then helped Greg calculate how much his TSP needs to grow in order to retire.  Greg has been following Stephen's TSP Planning guidance ever since and confidently investing in the TSP!

More Testimonials...

Hi Stephen, The TSP Seminar was very well received by staff. I can truly say, it was the best TSP training that I have experienced. 

Phyllis V.
Human Resources, NCPC

“Stephen,  You did a great job yesterday with your presentation and I am not easily impressed, especially with financial management presenters.  I pride myself on being a good judge of character and you have good character, as well as a keen ability to get people to listen to what you have to say.  You got my attention and kept it during your entire 2 hour presentation.  Because of that, I will keep in touch and look forward to your email articles.  All the best to you and your family.”

Charles G.
SBA

Stephen, I truly was engaged in thinking through the different scenarios you provided including the one on how the money should be invested between a TSP and Taxable Account.  I appreciate your thoughtful comments earlier.  I must admit I was going into the seminar as a skeptic based on historical presentations I've attended in this area, and to my surprise, your presentation was refreshing.  Thanks!

David J.
Dept. of Education

Stephen, I wholeheartedly recommend you to my colleagues and friends. You know your stuff, you are warm and professional, you are engaging, you beautifully connect with people. I am glad I came to your seminar.

Lilica K.
Voice of America

I had to respond back to this email. You have been the only instructor who has explained TSP in a way that I could gather all the information and not feel overwhelmed afterwards or leave feeling like I am still confused. Your enthusiasm was great. I am one who only invested in the G fund, but after your class I feel more comfortable utilizing the other funds even if it’s a small percentage.  Thank you for coming by PBGC.

Kimberly K.
PBGC

I recently had the opportunity to attend a TSP investment planning seminar instructed by Stephen Zelcer. The class provided a wealth of practical and informative guidance with respect to investment options regarding the TSP. In fact as a result of this class, I have taken action to modify my TSP investments in order to reach my retirement goals. I highly recommend Stephen Zelcer for all of your financial planning needs!

Alberta M.
CPSC

Stephen presentation was excellent and very informative on TSP Investment and how we all should look at debt for best retirement planning. I thoroughly enjoyed how he was able to give a different perspective on how to manage debt to improve one's finances. I recommend his work and for all that is interested in improving their finances.

Mary B.
Dept. of Health & Human Services

Stephen is a great teacher. I greatly appreciated the explanation about the difference of the Roth and Traditional contributions for my TSP. I am glad that I took this class early enough in my career to strategize and learn the best ways to manage my money

Yesica O.
Pension Benefit Guarantee Corp.
  • Hi Stephen, The TSP Seminar was very well received by staff. I can truly say, it was the best TSP training that I have experienced. 

    Phyllis V. – Human Resources Officer, National Capital Planning Commission
  • I have attended several courses on ‘financial planning’ but I am happy to declare you are the best instructor, a real knowledgeable person and one who speaks the truth.  I learned several new ideas from your lecture.

    Syed A. – Appalachian Regional Commission
  • Stephen, I truly was engaged in thinking through the different scenarios you provided including the one on how the money should be invested between a TSP and Taxable Account.  I appreciate your thoughtful comments earlier.  I must admit I was going into the seminar as a skeptic based on historical presentations I've attended in this area, and to my surprise, your presentation was refreshing.  Thanks!

    David J. – Dept. of Education
  • I had to respond back to this email. You have been the only instructor who has explained TSP in a way that I could gather all the information and not feel overwhelmed afterwards or leave feeling like I am still confused. Your enthusiasm was great. I am one who only invested in the G fund, but after your class I feel more comfortable utilizing the other funds even if it’s a small percentage. Thank you for coming by PBGC.

    Kimberly K. – Pension Benefit Guaranty Corp.