Carol Schmidlin

Carol Schmidlin, Certified Financial Fiduciary®, MRFC® is the President of Franklin Planning and has been advising clients on how to grow and preserve their wealth for 25 years. In addition to her financial planning practice, she is the founder of FedSavvy® Educational Solutions, which provides Financial and Retirement Literacy Programs for Federal Employees. She is passionate about helping families with all phases of Wealth Management and is a member of Ed Slott's Master Elite IRA Advisor Group. Her practice maintains a home office in Sewell, NJ along with a satellite office in Washington, DC. Carol can be reached at (856) 401-1101.

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Don’t Let Your Emotions Take Control of Sound Financial Planning

By on March 6, 2018 in Retirement with 0 Comments
Don’t Let Your Emotions Take Control of Sound Financial Planning

Volatility in the stock market has been increasing. How can you avoid letting your emotions get in the way of your retirement plans?

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Happy 20th Anniversary Roth IRA!

By on January 8, 2018 in Retirement with 0 Comments
Happy 20th Anniversary Roth IRA!

2018 marks the 20th anniversary of the Roth IRA. Here is some information about how it can help you prepare for your retirement.

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Driving Your Retirement: The Gas, Brake and Steering Wheel Analogy

By on January 3, 2018 in Retirement with 0 Comments
Driving Your Retirement: The Gas, Brake and Steering Wheel Analogy

When it comes to your retirement, are you headed in the right direction? The author provides an analogy to illustrate.

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How Much Income Will I Need in Retirement?

By on October 30, 2017 in Retirement with 0 Comments
How Much Income Will I Need in Retirement?

Many people haven’t given much thought to how much income they will need in retirement. These are some tips on how to help you with your planning.

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Tips to Avoid These 9 Costly TSP Mistakes: Part 2

By on August 9, 2017 in Pay & Benefits with 0 Comments
Tips to Avoid These 9 Costly TSP Mistakes: Part 2

In the second of two articles, the author highlights some common costly mistakes federal employees are prone to making with their TSP accounts.

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Tips to Avoid These 9 Costly TSP Mistakes: Part 1

By on August 2, 2017 in Pay & Benefits with 0 Comments
Tips to Avoid These 9 Costly TSP Mistakes: Part 1

Are you making these mistakes with managing your TSP account? The author highlights some common problems and how to avoid them.

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TSP – How Wide Is Your Road?

By on April 3, 2017 in Pay & Benefits, Retirement with 0 Comments
TSP – How Wide Is Your Road?

The author describes the importance of risk as it relates to your TSP portfolio and provides some hypothetical examples to illustrate the potential impact to your investments.

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OPM’s Shocking Letter to Some Annuitants

By on March 7, 2017 in Retirement with 0 Comments
OPM’s Shocking Letter to Some Annuitants

The author discusses a situation in which one retired federal employee was suddenly notified by OPM that he owed the agency over $28,000.

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Be Aware of TSP Spousal Beneficiary Rules

By on February 7, 2017 in Pay & Benefits, Retirement with 0 Comments
Be Aware of TSP Spousal Beneficiary Rules

A TSP participant can designate anyone as a beneficiary to a TSP account, however, only a spousal beneficiary can choose to leave the funds in TSP. The author says it’s important to understand all implications of a spousal beneficiary deciding to keep funds inside of the TSP.

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Three Crucial Retirement Planning Tips for 2017

By on January 4, 2017 in Retirement with 0 Comments
Three Crucial Retirement Planning Tips for 2017

The start of a new year is often a time when we make plans for a better future. The author lists what she sees as the three most critical planning tips of a solid retirement plan for federal employees.

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