Not affiliated with The United States Office of Personnel Management or any government agency

Not affiliated with The United States Office of Personnel Management or any government agency

Joe Carreno

Independent Licensed Agent

ODESSA, Florida
3.70
Platinum

More About Joe Carreno

For over 30-years Joe Carreno of The Retirement Advantage has been a Federal Employee Retirement System specialist (FERS) as well as a Florida Retirement System specialist (FRS) independent advocate. An affiliate of PSRE (Public Sector Retirement Educators), a Federal Contractor & Registered Vendor to the Federal Government, also an affiliate of TSP Withdrawal Consultants. We will help you understand your FERS & FRS Benefits, TSP & Florida D.R.O.P. withdrawal options in detail while recognizing & maximizing all concurrent alternatives available. Our primary goal is to guide you into retirement with no regrets; safe, predictable, stable, for life. We look forward to visiting with you.

More Articles by Joe Carreno

Special Cases Exempt from the 10% Early Withdrawal Penalty.

Your IRA contributions are made to supplement your income throughout your retirement. While you'd like to keep your IRAs whole...

Applying for Divorced Benefits as a Social Security Recipient

Boosting your Social Security benefits may feel more like searching for a needle in a haystack, but it doesn't have...

The Hazards of Working After Retirement

When they reach retirement age, some individuals' top priority is to give up any and all types of employment for...

Why Aren’t Annuities Popular Among Retirees?

Could a defined-contribution retirement savings plan introduced in 1918 provide answers to one of the most perplexing 401(k) questions? Yes,...

SC Justices Uphold The Changes To Medicare Payments To Low-Income Hospitals.

In June, the Supreme Court maintained a 2005 rule that reduced the additional Medicare payments hospitals receive for seeing a...

Why Should Seniors Expect a Smaller Social Security Increase in 2023?

It's no secret that inflation is wreaking havoc on many people's budgets. Many customers are trying to make ends meet...

Joe Carreno Disclosure:

Not affiliated with the U.S. Federal Government, the State of Florida, or any government agency. The firm is not engaged in the practice of law or accounting. Always consult an attorney or tax professional regarding your specific legal or tax situation. Although we make great efforts to ensure the accuracy of the information contained herein we cannot guarantee all information is correct. Any comments regarding guarantees, safe and secure investments & guaranteed income streams or similar refer only to fixed insurance and annuity products. Fixed insurance and annuity product guarantees are subject to the claims‐paying ability of the issuing company. Annuities are long-term products of the insurance industry designed for retirement income. They contain some limitations, including possible withdrawal charges and a market value adjustment that could affect contract values. Annuities are not FDIC insured.

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