Author Archive

Austin Costello

Capital Financial Planners

Pay & Benefits

How tariffs and inflation may affect your TSP 

Though the upheaval of tariff policy has riled the markets, here's what to consider for the potential impacts on the federal government’s 401(k)-style retirement savings program.

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Can I afford an early retirement? 4 things to consider before making the leap

COMMENTARY | From return-to-office mandates to the reappearance of Schedule F, many feds may be finding themselves on a fast track to retirement whether they wanted it or not. But are they financially prepared? What planning should be done before considering an early federal retirement?

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The sunsetting of the Tax Cuts & Jobs Act: What federal employees need to know

COMMENTARY | Learn about the potential changes and start planning now to mitigate any adverse effects on your financial situation.

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The importance of a federal employee 'love letter'

COMMENTARY | This gesture of love and care for your beneficiaries can be a great resource after you are gone.

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How to use the ‘Bucket Strategy’ to optimize your retirement savings

COMMENTARY | There are ways to strategically withdraw money in retirement to make your funds last longer.

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The pitfalls of single-solution financial advisors

COMMENTARY | There is an increasing trend of companies advertising themselves as financial advisors or benefits centers targeting federal employees. Here’s how to find a holistic financial planning partner.

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Estate planning for federal employees: Maximize benefits and minimize taxes

Make sure to review and update your estate plan regularly to reflect changes in your financial situation and personal circumstances.

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Election years and the TSP

COMMENTARY | Investing during election years is an exercise in not letting your emotions drive your decisions, says one financial advisor.

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When do Roth conversions make sense for your retirement funds?

Paying federal taxes now may be better for you in the long run, explains one financial advisor.