Site Announcements

Dmason Financial Planning Tools

Dmason Financial Planning Tools
by GABRIEL MARTINEZ - Monday, July 12, 2021, 1:51 PM

Last Updated: December 28, 2022

Dmason Financial tools can help you with TSP, Retirement, and Financial Planning.

Dmason Financial logo

A financial tune-up could help you keep pace with today’s inflation. Now is a good time to review your cash flow and budget, build your emergency fund, take advantage of increased TSP contribution limits, and evaluate your investments to see if you’re on track to fund the lifestyle you choose.

Self-paced, training tools on AgLearn can help you understand Federal benefits and make plans to manage and invest your money. Courses are continuously updated for changes in tax laws, TSP, investment returns, insurance, and more.

Make your financial/retirement plans to secure your financial future with step-by-step guides written by Debbie Mason, a CERTIFIED FINANCIAL PLANNER professional.

Financial planning checklist:
  • Are you meeting your financial goals?
  • Have you paid off credit cards or other debts that you hoped to?
  • Have you kept within your budget?
  • Do you have an emergency fund?
  • Have you contributed the maximum amount to your TSP?

Take time now to get a grip on your finances
Be Money Smart Take Charge Now (DMASON 125)

Within one year of retirement? How can you have more after-tax money to spend?
  • Will you have enough cash flow for your retirement plans without running out of money?
  • How can you create tax-efficient cash flow from savings to add to your other income sources (e.g., CSRS, FERS, Social Security)?
  • Should you change your investment allocations when you retire?
  • Would Roth conversions benefit you?
  • Have you planned for long-term care and estate transfers?

Take time now to make a retirement investment and cash flow plan
Ready to Retire? Tax-Smart Investment and Cash Flow Planning (Dmason 140)

Within 10 years of retirement? How much cash flow will you want from savings?
  • Will you have enough cash flow for what you want to do?
  • Do you need to reduce debt or increase savings to fund your goals?
  • Have you maximized your TSP and other tax-smart savings?
  • Have you looked at potential cash flow from TSP/IRA withdrawals?
  • Do you need to adjust investment allocations for short-, intermediate-, and long-term goals?
Have you reviewed your financial goals and savings needed lately?
  • Have you estimated income needs and savings growth over time?
  • Are you maximizing your TSP and other tax-smart savings?
  • Have you compared tax-smart saving options — TSP, Roth TSP, IRAs, Roth IRAs?
  • Do you know which investments are best for short-, intermediate-, and long-term goals?
  • Do you need help planning for child education, long-term care, or estate transfers?