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
Financial Advisor / Fiduciary
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.
Fers and tsp
Key Takeaways Keeping your TSP untouched in retirement can expose you to tax inefficiencies, market volatility, and missed strategic withdrawal...
Key Takeaways FEDVIP offers more than just basic dental and vision coverage—some benefits can help reduce healthcare costs over time.Understanding...
Key Takeaways Understanding your TSP withdrawal options in 2025 is critical to avoiding unnecessary taxes and ensuring long-term retirement income.You...
Key Takeaways: The biggest difference between Roth and Traditional TSP is when you pay taxes—choosing the right option can significantly...
Key Takeaways Significant Medicare cost increases in 2025 could create sudden and unexpected financial pressure for federal retirees, particularly those...
Key Takeaways Survivor benefits can offer vital financial security to your family, but understanding your options is essential to maximize...
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.
Plan your retirement with confidence. Psretirement.com offers expert guidance for federal employees navigating their retirement options.
Not affiliated with The United States Office of Personnel Management or any government agency
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
"*" indicates required fields