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

Todd Carmack

Financial Advisor / Fiduciary

Glendale, Arizona
4.80
Platinum

More About Todd Carmack

Todd Carmack grew up in Dubuque, Iowa, where he learned the concepts of hard work and the value of a dollar. Todd spent years in Boy Scouts and achieved the honor of Eagle Scout. Todd graduated from Iowa State University, moved to Chicago, spent a few years managing restaurants, and started working in financial services and insurance, helping families prepare for the high cost of college for their children. After spending years in the insurance industry, Todd moved to Arizona and started working with Federal Employees, offing education and options on their benefits. Becoming a Financial Advisor / Fiduciary can help people properly plan for the future. Todd also enjoys cooking and traveling in his free time.

Todd Carmack Reviews

Reggie Hill

Fers and tsp

More Articles by Todd Carmack

FEHB in 2025: Why Your Healthcare Coverage Could Be a Game-Changer in Retirement

Key Takeaways If you're a federal employee or retiree, FEHB changes in 2025 could save you more than just money—it...

Why More Federal Employees Are Reconsidering Survivor Benefit Elections in 2025

Key Takeaways In 2025, federal employees are facing new financial realities that are pushing them to reassess survivor benefit elections...

How the FERS Retirement Supplement Really Works in 2025 (and When It Stops)

Key Takeaways The FERS Retirement Supplement in 2025 continues to serve as an important bridge between retirement and Social Security...

The New Wave of Early Retirement Among Federal Employees: What’s Driving This Growing Trend?

Key Takeaways Early retirement among federal employees is increasingly common, driven by financial readiness and workplace dynamics.Understanding the factors influencing...

3 Things You Should Know About Civilian Military Jobs Before Applying—Beyond Just the Paycheck

Key Takeaways Civilian military jobs offer long-term career stability, but they also come with unique challenges and expectations that differ...

Roth IRA and 401(k): Differences and Benefits for Beginners

Key Takeaways Understanding the differences between a Roth IRA and a 401(k) is essential for making informed retirement savings decisions.This...

Todd Carmack Disclosure:

Investment advisory services are offered through BWM Advisory, LLC (BWM). BWM is registered as an Investment Advisor located in Scottsdale, Arizona, and only conducts business in states where it is properly licensed, notice has been filed, or is excluded from notice filing requirements. This information is not a complete analysis of the topic(s) discussed, is general in nature, and is not personalized investment advice. Nothing in this article is intended to be investment advice. There are risks involved with investing which may include (but are not limited to) market fluctuations and possible loss of principal value. Carefully consider the risks and possible consequences involved prior to making any investment decision. You should consult a professional tax or investment advisor regarding tax and investment implications before taking any investment actions or implementing any investment strategies.

Subscribe to our Newsletter

Leave a Review for Todd Carmack

We greatly value your experience with our agents! If you’ve had a positive interaction and exceptional service, we would appreciate your feedback. Your input is instrumental in our commitment to delivering professional excellence.

"*" indicates required fields

Our Readers Deserve The Best PSHB and USPS Health Benefits Guidance

Licensed insurance agents who understand PSHB, Medicare, and USPS Health Benefits Plan are encouraged to apply for a free listing.

This field is for validation purposes and should be left unchanged.

Book Phone Consultation

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Get In Touch

Stay up to date on the latest information about Public Sector Retirement.

The Best Advice Creates The Best