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

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More Articles by Todd Carmack

4 Things You Should Consider Before Deciding When to Start Your Social Security Payments

Key Takeaways The age at which you start claiming Social Security significantly impacts your monthly benefit amount and overall retirement...

Military Buyback Programs Explained: Here’s How Federal Employees Can Use Them to Boost Their Pensions

Key Takeaways: Military buyback programs allow federal employees to increase their pension by purchasing credit for military service.Taking advantage of...

Military Buyback for Federal Employees: Is It Really Worth It? Here’s What You Need to Weigh Up

Key Takeaways: The military buyback program allows federal employees to count their military service toward their civilian federal retirement, potentially...

Why Federal Employees Are Exploring Alternatives to FEGLI as Premium Costs Continue to Rise in 2025

Key Takeaways FEGLI premiums in 2025 have risen significantly, leading many federal employees to reassess its value compared to alternative...

How Federal Employees Are Adapting to New Early Retirement Incentives Across Agencies

Key Takeaways: Early retirement programs across federal agencies offer you new pathways to transition into retirement with financial security and...

How the Wrong TSP Choices Now Could Mean Rationing Retirement Income Later

Key Takeaways Small missteps in how you manage your TSP today could force you to dramatically reduce your withdrawals later,...

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.

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