Christy Capital Management, Inc.

11/03/2025

Why are Social Security benefits so hard to understand?

For something that's been around so long, it sure brings up a lot of questions.

- What determines how much you'll get?
- What if you retire in your 50s?
- What if you want to keep working past age 67?

Christy Capital Financial Planner Mel Stubbs discusses these issues in this video/blog.

Understanding Social Security is already a complex part of your retirement. But what if you retire in your 50s? How does that impact those benefits?

10/31/2025

Have you used our free FERS calculator?

If you're a federal employee, you can go here and calculate what your retirement benefits will be.

And if you have any questions, we'll be glad to advise!

Theis free FERS Calculator is a good first step to find out how prepared you are for your federal retirement.

10/31/2025

Some of the most fulfilled retirees aren't just relaxing—they're giving back.

Whether it's volunteering, mentoring, or starting a passion project, serving others adds meaning to your golden years. Retirement gives you the time and flexibility to make a difference.

What will your impact be?

10/29/2025

"Do I have enough to retire?"

That's the question that causes sleepless nights for so many in their late 50s and early 60s. In our latest case study, you'll meet Greg. Even with a couple of million dollars in assets, the fear of "not having enough" loomed large in his mind. See how we helped him find more financial peace—and how you can too.

Can I afford to retire? With so many decisions to make and so much unknown, it’s easy to feel anxious. Let’s talk about having enough.

10/27/2025

Here's a financial reality not many retirees know about.

Let's say you want to take $1,000 from your traditional IRA so you can make an end-of-the-year contribution to your church. Guess what? Uncle Sam is going to claim about $250 of those dollars for taxes.

Ugh!

What if we told you there's a way to make sure your church gets ALL that money?

In this new video/blog post about Roth conversion mistakes, Christy Capital Financial Planner Mel Stubbs clearly explains qualified charitable deductions.

Check it out here.

It’s easy to forget that this popular retirement planning practice can actually backfire on you…if you make these Roth conversion mistakes.

10/24/2025

"I'm SO close to retirement—is it too late to start a Roth TSP?" 🤔

If that question is rattling around in your brain, let's get it answered!

See what your options are in this new video/blog post by Mel Stubbs, Financial Planner at Christy Capital Management.

You may actually have more time than you think! 💰 Secure your financial future—read the post and/or watch the video now!

Should I move all or some of that to a Roth TSP? Or have I waited too long?”

10/23/2025

Thinking of retiring soon?

Try living on your projected retirement budget for three months before your last day at work. It's a great way to spot gaps, ease into your new financial reality, and reduce anxiety.

You'll thank yourself for planning ahead!

10/22/2025

Three quick "investing questions"...

❓Do you often think "My only options are to invest ethically–and lose money…or buy stock in questionable companies and make money"?

❓Do you feel like it's important for your investments to align with the values you hold dear?

❓Do you sometimes cringe at the stances or behaviors of certain corporations–and wish you could do more than simply complain and/or boycott?

If you answered yes to any of these questions, you owe it to yourself to read Tommy Neesmith's new article on Values-Based Investing.

It's about aligning your portfolio with your principles and using your resources to promote good in the world!

Let’s examine the issue of values-based investing more closely and see if (and how) it might impact your investment decisions.

10/22/2025

Did you know your TSP might not be worth what you think?

If you have $1 million in a traditional TSP, after taxes, it might feel more like $600,000–$750,000.

That's why planning withdrawals (and conversions) can make such a difference.

Small, strategic Roth conversions may help balance your tax exposure and avoid costly Medicare surcharges later.

10/17/2025

"Should I invest the money in my Roth IRA differently than I invest the money in my Traditional IRA?"

If you've never asked this question, you're probably leaving money on the table. See how smart asset allocation between your retirement accounts can boost your returns (and result in less taxes).

What’s the thinking behind allocating the assets in your various retirement accounts?

10/16/2025

Federal retirees often forget that every dollar withdrawn from a traditional TSP or IRA is taxable. Strategic planning can help smooth your income, manage tax brackets, and keep more of what you've worked for.

10/15/2025

What are the questions we get asked most frequently? That's easy…

Do you only work with ultra-wealthy people?
What does the process look like if I become a Christy Capital client?
How do you help me reach my financial goals?
What is a Fiduciary, and why should I care?
How do I know you won't scam me out of my life savings?
Are you watching my money for me?

If you too are wondering about such things, we created a whole page of answers.

And if you have any other financial questions, we'd love to hear from you. Drop us a note here https://christycapital.com/contact/?utm_campaign=coschedule&utm_source=facebook_page&utm_medium=Christy%20Capital%20Management%2C%20Inc%2E.

Or call us at 866-331-7749.

What kind of people do you typically work with?