Phone: 301-377-9407


Investing in the Thrift Savings Plan (TSP), a Workshop for Federal Employees and Retirees

The Thrift Savings Plan (TSP) is a critical for the financial security of FERS retirees. Most will need TSP withdrawals to supplement their annuities (pensions) at some point. If participants do not correctly manage their TSP accounts, their retirement security may be at risk.
Because the TSP is so important to Federal employees and retirees, Montgomery College asked Arthur Stein, CFP® to teach a one-evening three hour class.

Your Flood Risk May Be Greater than You Think

Your home may be at greater risk of flooding than you think. Storms are not the only cause of floods. And global warming increases flood risks from storms because:

-- Flood zones change more rapidly than flood zone maps and global warming may cause flood zones to change even more rapidly in the future.
-- Global warming increases precipitation, making floods more likely, even in areas not shown on flood zone maps.
Yet, you probably don’t have flood insurance.

Indexes and Index Funds -- So What's the Difference?

S&P 500 Index funds are one of the most common investments for individual investors. But what are “index funds” and how do they compare to “indexes?”

Market Returns During the First Half of 2017

A good way to describe stock and bond market returns during the first six months of 2017 is “placid.” As in low volatility with a gradual upward trend. That is a beautiful combination. But will it last?

Is the TSP G Fund Safe or Risky?

The G Fund is often described as the safest of the TSP investment funds. Sometimes it is called the “super safe” G Fund that “never has a bad day.”
As a result, TSP participants keep a higher portion of their TSP balances in the G Fund than any other Fund.

TSP Returns During the First Half of 2017

A good way to describe TSP Fund returns – and the stock and bond markets -- during the first six months of 2017 is “placid.” As in low volatility with a gradual upward trend.
The other news is that I Fund (stocks of non-US companies) finally rewarded investors with double-digit returns.

Art Interviewed by Mike Causey on Federal News Radio

Mike Causey interviewed me Wednesday on the Thrift Savings Plan (TSP, the 401k for Federal employees and retirees). You can listen to the podcast by clicking here.

What's the Biggest Financial Risk During Retirement?

Worried about running out of money during retirement? Well, that's a legitimate concern. But "running out of money" isn't a very exact term.
Most retirees will never run out of income. They will always have “permanent income” from Social Security (and maybe a pension). What retirees need to worry about is running out of investments and investment income.

A “Starvation COLA” for FERS Annuitants?

President Trump’s budget proposal, submitted to Congress today, would reduce pay and retirement benefits for Federal employees and retirees. The two biggest reductions result from increasing employees’ FERS contributions and eliminating the Cost of Living Adjustment (COLA) for the FERS annuity (pension).

Art Earns 2016 Constant Contact All Star Award for Top 10 Percent of Constant Contact Emailers

Constant Contact recently named Arthur Stein, CFP(R) a 2016 “All Star Award” winner. The annual award recognizes the most successful 10 percent of Constant Contact’s users, based on their significant achievements using email marketing to engage their clients and prospects during the prior year.
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Arthur Stein Financial, LLC ("ASF") is a registered investment advisor ("RIA"), located in the State of Maryland. ASF provides investment advisory and related services for clients nationally. ASF will maintain all applicable registration and licenses as required by the various states in which ASF conducts business, as applicable. ASF renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

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