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  1. Replies
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    How Long Will You Live?

    Here's my explanation about why an answer, right or wrong, will help you. https://wp.me/p1wMgt-2EH
  2. 10 Questions A Couple Should Ask BEFORE Retirement

    These ten questions deserve answers. However, they assume an existing readiness to retire that may not exist.
    In my world, there are 8 critical questions that precede these such that a couple, or...
  3. How Will The SECURE ACT Impact Your Estate Plan?

    This Act, signed by President Trump this past December, included several important additions and modifications to existing retirement planning code sections.
    For example, it changed the age when you...
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    Re: FEHB and Medicare ?

    [QUOTE=Stoplight;629964]Tony,

    So I hit the magical age 65 next year ! That raises the issue of Medicare for me. Google gives me all kinds of links to contradicting advice ! :eek:

    Do you...
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    Re: Asset allocation at TSP...

    Am responding to Boghie's remark that says "... high risk allocation for someone within five years of retirement". As almost always, IT DEPENDS. It depends on what other resources you have, on how...
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    Asset allocation at TSP...

    How diverse is your portfolio across the asset classes available at TSP? Thoughts?
  7. Claiming your Social Security retirement benefit

    Anybody have any regrets about the month they chose to start?
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    Re: imported post

    PO - I've read your comments and am not qualified to give you any advice re your health care coverage going forward. Seems you've researched it pretty well. Good luck... As for any other stuff you...
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    Re: Retirement Talk - 03/19/19

    Medicare A is paid for from resources somewhere in the system. Medicare B is either deducted from your monthly benefit or if you have deferred your benefits, you pay from your bank account. The...
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    Re: Retirement Talk - 03/19/19

    I know next to nothing about FERS, FEHB, and all the other acronyms associated with being a Federal employee. All I know how to do is teach others how to think about their future retirement and come...
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    Re: Planning for Retirement

    The key to Roth type plans is time. Time to offset the fact that you already paid taxes on the earned income before you added funds and time to allow the funds to grow. Which in my opinion suggests...
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    Re: Retirement Talk - 03/19/19

    Agree with all you say. We have AARP med supp also and we're in Florida. I relied on an old colleague who is in the business and he said it was the best here in his opinion. Have never had an issue...
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    Re: Retirement Talk - 03/19/19

    I'm 77 now, pay $135.50 for Part B and $28 for Part D every month. Our med supp plans add another layer of cost and she has a different Plan D provider as our meds are very different.
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    Re: Retirement Talk - 03/19/19

    I don't know the specifics of the existing Federal health insurance plan. What I do know is that Medicare, coupled with a good Medicare supplement plan, and Plan D is what I use. Wherever you are in...
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    Re: Planning for Retirement

    Hello - ROTHs of any stripe can be good for you. But... As they evolved, it became apparent to me that once you reached age 50 or so, the tax paid up front wasn't offset by presumed taxable effect...
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    Re: Planning for Retirement

    Go to Successful Retirement Secrets, look for Tony's Blog, and when that comes up, find the About tab and there you'll find out more about me that you ever want to know...
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    Re: Planning for Retirement

    They are not consecutive unless you have exactly 35 years. If you have 36 and #10 was zero, it will not be counted. If you have 34 years, then there will be a zero computed in the highest 35 average.
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    Re: Planning for Retirement

    This is Tony Kendzior. Thanks for your questions and your replies etc. I'm still working out the best way to respond to question so that the person who asked them gets my reply in the right context...
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    Re: Planning for Retirement

    PO - re your curveball. You ask if the WEP affects the SS payout for a spouse taking spousal SS benefits. At least that's what I think you're saying. I think that's an entirely different income...
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    Re: Planning for Retirement

    Hypothetically, you could gift an asset you already have to a charitable organization willing to take it. That would allow you to take a charitable deduction, assuming the new tax law doesn't stop...
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    Re: Planning for Retirement

    Yes, any conversion of 'QUALIFIED MONEY' to a Roth means ordinary income taxes. BTW, 'qualified money' means money earned but 'qualified' by the IRS so that income taxes are deferred.
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    Re: Planning for Retirement

    My friend who told me about TSP Talk gave me to believe it would be this fall but he wasn't sure and didn't know exactly how it would apply to him. Thanks.
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    Re: Planning for Retirement

    FRA is the acronym for Full Retirement Age, that point in history when you qualify for full retirement benefits from the SSA system, and gain several other advantages.
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    Re: Planning for Retirement

    Mindful that I'm new to TSP details, when you say "FRA burden', do you mean required minimum distributions (RMDs)? Not sure how to help you yet.
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    Re: Planning for Retirement

    Check out this article: https://www.thebalance.com/clearing-spousal-benefits-confusion-2388948
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