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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Preventive Planning to Avoid a Potential Healthcare Crisis

By on January 15, 2014 in Current Events, Retirement with 0 Comments

One thing that is not included in the FEHB plans is long term care insurance. The author offers considerations when exploring available options for covering a long term care event/illness as well as coverage options available to you.

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I Got Offered an Early Out! Now What?

By on January 7, 2014 in Current Events, Retirement with 0 Comments

You finally got your wish and are being offered a financial incentive to retire early! Before you take it and run, you should logically think it through to determine if it makes sense looking at the Big Picture.

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Do You Understand the True Cost of Your Retirement Plan?

By on August 20, 2013 in Retirement with 0 Comments

There are a number of factors that need to be taken into consideration when identifying your savings options for retirement. Cost is not the only consideration, but an important one since fees can seriously erode your earnings.

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Retirement Decisions in an Unstable Economy

The author says that economic stimulation in the United States cannot last forever and eventually we will have to go through some suffering to make things right. She says federal employees may see more changes coming to their retirement benefits and should have a realistic plan before making the decision to leave government service.

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FERS Valuable Benefit: Social Security!

By on February 28, 2013 in Current Events, Retirement with 0 Comments

Choosing the right Social Security election can significantly impact the amount of benefits you receive over your lifetime.

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Critical Tax Issues That MUST Be Addressed In 2012

By on November 12, 2012 in Current Events, Retirement with 0 Comments

With an increased concern over tax rates, there is compelling need to protect what may be for many individuals their largest single asset: their retirement plans. The author outlines critical decisions that she says must be made before January 1, 2013 as they relate to tax implications in planning for retirement.

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How Can You Plan for a Secure Retirement With These Issues Threatening Your Future?

By on October 1, 2012 in Retirement with 0 Comments

The author offers considerations to keep in mind when planning for retirement in the face of these current challenges.

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Prepare for Tax Changes in 2013

By on August 24, 2012 in Pay & Benefits with 0 Comments

Will the Bush era tax cuts be extended by Congress? Nobody knows, but regardless of what Congress does, the authors offer steps one can consider taking before year end to improve your personal finances.

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Unraveling the Mysteries of Roth TSP

By on April 29, 2012 in Pay & Benefits with 0 Comments

The author shares her opinion about the Roth TSP as well as some frequently asked questions and answers about it.

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Is the Roth TSP Right for Me?

By on March 20, 2012 in Pay & Benefits, Retirement with 0 Comments

The author outlines the similarities and differences between the Roth TSP and the traditional TSP to help participants understand if the new Roth option is right for them.

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