Randy Silvey

Randy Silvey is the published author of You FIRST, Federal Employees Retirement Guide, one of the bestselling books of its kind on Amazon and Kindle. For over 14 years, he’s been educating and guiding Feds in pursuing wealthier retirement lifestyles. Randy can be reached at 816-524-1515, [email protected] or visit his website at www.silverlightfinancial.com. Securities offered through Infinity Financial Services. Member FINRA/SIPC.

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The Old D.I.Y. Approach to Federal Retirement: Will it Work for FERS Employees?

By on June 13, 2016 in Retirement with 114 Comments
The Old D.I.Y. Approach to Federal Retirement: Will it Work for FERS Employees?

The author says that under CSRS, a do-it-yourself approach to retirement was more practical for federal employees, but those under FERS may face bigger obstacles trying to go it alone.

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What are the ‘House Rules’ for Paying Off a Home Prior to Federal Retirement?

By on April 14, 2016 in Q&A, Retirement with 42 Comments
What are the ‘House Rules’ for Paying Off a Home Prior to Federal Retirement?

I am a FERS employee that has reached my Minimum Retirement Age. Is it wise to pay off our mortgage before I retire?

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Will Part-Time Income in Retirement Lead to Social Security Penalties?

By on March 2, 2016 in Q&A, Retirement with 6 Comments

I am planning to retire from federal service soon and will being collecting Social Security as well as my federal pension. I also plan to work part time. Will the income from working penalize my Social Security income?

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Is the Recent Stock Market Volatility Giving You ‘Analysis Paralysis’?

By on February 21, 2016 in Retirement with 24 Comments
Is the Recent Stock Market Volatility Giving You ‘Analysis Paralysis’?

The recent volatility in the stock market has many federal employees worried about their Thrift Savings Plan investments and future retirement. The author says that some federal employees may unintentionally be paralyzing their own retirement plans through “analysis paralysis.” He explains what this means and how to avoid it.

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Should I Put My TSP Into an IRA So I Can Retire When I Want?

By on February 9, 2016 in Q&A, Retirement with 52 Comments

I am 61 and have heard that I can take my money out of the TSP and place it into an IRA. I have been trying to manage my TSP the best that I can, but, my TSP has lost 20% this past year. Should I place my TSP into an IRA so I can still retire when I want?

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I Keep Trying (and Failing) to Time the Market with My TSP; What Am I Doing Wrong?

By on January 24, 2016 in Q&A with 44 Comments
I Keep Trying (and Failing) to Time the Market with My TSP; What Am I Doing Wrong?

I keep trying to time the market with my TSP investments, only to end up buying high and selling low. How should I allocate my money into selected funds with the idea of leaving it there to ride out the highs and lows?

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New Survey Raises the Question, ‘Will Feds Be Permitted to Develop Financial Maturity?’

By on January 18, 2016 in Retirement with 15 Comments
New Survey Raises the Question, ‘Will Feds Be Permitted to Develop Financial Maturity?’

The author says that federal employees are frequently sheltered from financial and retirement information in their careers. He says federal workers need to be permitted to have self-reliance in their understanding of at least basic retirement concepts to avoid making mistakes that can harm their future financial goals.

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What Does a Fed Focused Financial Advisor Look Like, and Where Can I Get One of My Own?

By on November 17, 2015 in Retirement with 32 Comments

In the fourth article in his series on federal retirement, FedSmith.com author Randy Silvey addresses a frequent question he has received from FedSmith.com users: “What are the attributes of a fed focused financial advisor, and where can I find one?”

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I Can’t Find a Fed Focused Advisor. Now What?

By on October 26, 2015 in Q&A, Retirement with 6 Comments
I Can’t Find a Fed Focused Advisor. Now What?

My wife and I have looked throughout our home town and can’t find even one financial advisor that specializes in working with federal employees. At the same time, I’m uncomfortable working with an advisor in another area of the country. What should we do?

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TSP or Not TSP? THAT is the Rollover Question!

By on October 15, 2015 in Retirement with 66 Comments
TSP or Not TSP? THAT is the Rollover Question!

In the third article in his series on federal retirement, FedSmith.com author Randy Silvey addresses one of the most common questions he has received from FedSmith.com users: “Should I roll my TSP over to an IRA after leaving federal service?”

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