TSP for FERS

by Jonathan G. Cameron, CFP® Hi there, Jonathan Cameron, CFP® here and today this video tutorial is on a topic which is familiar to many employees of the federal government – the Thrift Savings Plan, or TSP for short. For this video, I am focusing on those within the Federal Employment Retirement System, which I’ll discuss

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How Do I Improve My FICO Score?

By Jonathan G. Cameron, CFP® An important financial concern that we often hear from clients is, “How can I improve my credit score?” Now, I have to give a quick disclaimer that our company, CameronDowning, is not a credit repair or debt consolidation service. Our goal is to arm you with the education you need

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Student Loan Forgiveness

By Jonathan G. Cameron, CFP. ® As of early 2015, the amount of outstanding student loan debt in the U.S. was up to $1.2 trillion. This is a staggering number! Tens of millions of young professionals in the United States are carrying significant student debt balances. Not only will it take years to pay off many these

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Great Idea! Now What?

The following is a guest blog post by Jason A. Bell. Jason is the founder of Mr. Millennial, a Miami based resource providing #Solutions to organizations that (want to) love Millennials. Jason is equal parts Anthropologist and Marketeer, with a splash of social commentator for good measure. His areas of focus include Millennial employee engagement, corporate

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Denver Transit Fly-In: Part 3

By Glenn J. Downing, MBA, CFP® In the previous posts I discussed public transit lessons learned from Denver and how they can be applied in Miami. (Part 1 | Part 2) This is in the context of planning projects – who decides and on what basis what to build next?  As I mentioned, the final

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Denver Transit Fly-In: Part 2

By Glenn J. Downing, MBA, CFP® (Part 1) The CITT had a meeting recently to summarize between ourselves the take-aways from the Denver trip.  They were largely these: It is definitely do-able to chart an ambitious course and actually build it! Ideally there would be a cheerleader to see the projects through to fruition There are several

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Denver Transit Fly-In: Part 1

By Glenn J. Downing, MBA, CFP® Recently I had the privilege of being part of the Miami contingent that traveled to Denver to see how they’ve managed to build out their transit system.  I am an appointed member of the Citizen’s Independent Trust, and in that capacity was included in the trip. The Mile High City,

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Shielding Retirement Assets From Taxes

By Jonathan G. Cameron, CFP. ® The retirement assets you’ve worked so hard to save will be taxed once distributions begin. Fortunately, there are strategies that can reduce taxes for you and your heirs. As hard as it is to believe, today’s tax-advantaged plans — including individual retirement accounts IRAs, 401(k)s, and rollover IRAs — have

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What Happens When My Mother Runs Out of Money?

By Glenn J. Downing, MBA, CFP. ® Increasingly as we work with people of retirement age, we’re hearing a new concern:  What should I do if my parents run out of money? This is something relatively new.  Those in their middle ages used to be called the sandwich generation, because they were in the middle, caring

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