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Blog
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FEGLI Option B: Why Many Federal Employees Pay More Than They Expect
Federal Government Simeon Esprit 1/28/26 Federal Government Simeon Esprit 1/28/26

FEGLI Option B: Why Many Federal Employees Pay More Than They Expect

Learn how FEGLI Option B premiums increase with age, why many federal employees overpay for coverage, and which parts of FEGLI often make sense to keep in retirement.

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Weekly: Volatility Returns
Weekly Market Insights Simeon Esprit 1/26/26 Weekly Market Insights Simeon Esprit 1/26/26

Weekly: Volatility Returns

Markets ended a volatile week slightly lower as investors reacted to policy headlines, economic data, and earnings updates. Weekly market insights and events ahead.

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Should I Invest Lump Sums Differently Than Ongoing Contributions?
Investments Simeon Esprit 1/23/26 Investments Simeon Esprit 1/23/26

Should I Invest Lump Sums Differently Than Ongoing Contributions?

Should lump sums be invested differently than monthly contributions? Learn how strategy type, volatility, and behavior shape the right approach.

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What a Bad Retirement Often Looks Like
Retirement Simeon Esprit 1/21/26 Retirement Simeon Esprit 1/21/26

What a Bad Retirement Often Looks Like

What would a bad retirement would look like? Asking this question can help uncover what you hope to void. More importantly, it will help guide you to what you value and what you want your retirement lifestyle to look like.

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Weekly: Markets React to Data and Policy News
Weekly Market Insights Simeon Esprit 1/20/26 Weekly Market Insights Simeon Esprit 1/20/26

Weekly: Markets React to Data and Policy News

Stocks moved modestly lower during a volatile week as investors reacted to economic data, policy headlines, and earnings updates. Weekly market insights and events ahead.

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2026 Market Forecasts: A Moving Target
Investments Simeon Esprit 1/16/26 Investments Simeon Esprit 1/16/26

2026 Market Forecasts: A Moving Target

Market forecasts change as assumptions shift. Learn why outlooks are revised, what forecast tables miss, and how preparation matters more than prediction.

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Why Federal Employees Retire at Age 57
Federal Government Simeon Esprit 1/14/26 Federal Government Simeon Esprit 1/14/26

Why Federal Employees Retire at Age 57

Age 57 is a popular retirement age for federal employees. Learn how MRA, FEHB, pension rules, and TSP access factor into the decision.

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Weekly: Stocks Extend Early-Year Momentum
Weekly Market Insights Simeon Esprit 1/13/26 Weekly Market Insights Simeon Esprit 1/13/26

Weekly: Stocks Extend Early-Year Momentum

Stocks finished the week higher as investors reacted to economic data, sector rotation, and shifting interest rate expectations. Weekly market insights and key events ahead.

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Are AI Stocks in a Bubble?
Investments Simeon Esprit 1/9/26 Investments Simeon Esprit 1/9/26

Are AI Stocks in a Bubble?

AI bubble charts are gaining attention, but visual comparisons can be misleading. Learn what these charts show, what they miss, and how investors should think about market cycles.

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Retirement Questions That Have Nothing to Do With Money
Retirement Simeon Esprit 1/8/26 Retirement Simeon Esprit 1/8/26

Retirement Questions That Have Nothing to Do With Money

Retirement planning is about more than money. Explore key non-financial questions around time, lifestyle, housing, mobility, and connection that shape retirement satisfaction.

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Weekly: Santa Rally in Holding Pattern
Weekly Market Insights Simeon Esprit 1/5/26 Weekly Market Insights Simeon Esprit 1/5/26

Weekly: Santa Rally in Holding Pattern

Stocks opened lower to start the shortened holiday week with tech shares under pressure. Markets then moved sideways, but came under pressure after minutes from the December Federal Reserve meeting were released.

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What Should I Do When the Markets Crash?
Investments, Lifestyle Simeon Esprit 12/22/25 Investments, Lifestyle Simeon Esprit 12/22/25

What Should I Do When the Markets Crash?

Market downturns are uncomfortable, but they can create planning opportunities. Some of the most valuable planning moves invovle taxes, timing, and flexibility.

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The 4 Key Factors That Shape Better Investment Choices
Investments Simeon Esprit 12/19/25 Investments Simeon Esprit 12/19/25

The 4 Key Factors That Shape Better Investment Choices

Learn how the Investment Decision Filter helps investors make informed choices by evaluating risk, return, cost, and taxes together. A simple way to avoid one dimensional decisions and improve long term outcomes.

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Are Robo-Advisors Really Low Cost? The After-Tax Picture Tells More
Tax Planning, Investments Simeon Esprit 12/17/25 Tax Planning, Investments Simeon Esprit 12/17/25

Are Robo-Advisors Really Low Cost? The After-Tax Picture Tells More

Robo-advisors offer low fees, but taxes from trading and distributions can impact your true return. Learn why net cost should include both platform fees and after-tax results.

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The Backdoor Roth: High-Income Households Shouldn’t Skip This
Investments, Tax Planning Simeon Esprit 12/15/25 Investments, Tax Planning Simeon Esprit 12/15/25

The Backdoor Roth: High-Income Households Shouldn’t Skip This

Learn why the overlooked Backdoor Roth should be considered a staple for high-income households. Understand its limits, spousal IRA options, and key rules.

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Tax Planning with a Pension: Why Strategy Changes for FERS Retirees
Federal Government, Tax Planning, Investments Simeon Esprit 12/12/25 Federal Government, Tax Planning, Investments Simeon Esprit 12/12/25

Tax Planning with a Pension: Why Strategy Changes for FERS Retirees

Pension retirees face a higher tax floor in retirement than non-pension retirees. Learn how FERS and other pension households can plan for taxes through Social Security timing, RMD management, Roth strategies, taxable accounts, and early pre-retirement planning.

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The 10 Hour Retirement Gift and How to Use It
Retirement, Lifestyle Simeon Esprit 12/10/25 Retirement, Lifestyle Simeon Esprit 12/10/25

The 10 Hour Retirement Gift and How to Use It

Discover how to use the extra 10 hours that retirement gives you. Learn how purpose, identity, hobbies, and a strong financial plan can help you build a fulfilling retirement lifestyle.

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Your End of Year Financial Checklist
Tax Planning, Investments Simeon Esprit 12/8/25 Tax Planning, Investments Simeon Esprit 12/8/25

Your End of Year Financial Checklist

A simple year end financial checklist covering retirement deadlines, tax moves, FSA and HSA rules, Roth conversion timing, and key planning reminders to prepare for the new year.

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New 2026 Tax Changes You Should Know
Tax Planning Simeon Esprit 12/5/25 Tax Planning Simeon Esprit 12/5/25

New 2026 Tax Changes You Should Know

A clear breakdown of the tax changes coming in 2025 and 2026, including updated tax brackets, standard deductions, SALT limits, retirement contribution increases, and new charitable giving rules.

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Is My Money Really Safe in a HYSA? Understanding All Risks
Cashflow, Tax Planning, Investments Simeon Esprit 12/3/25 Cashflow, Tax Planning, Investments Simeon Esprit 12/3/25

Is My Money Really Safe in a HYSA? Understanding All Risks

A high yield savings account protects your balance, but taxes and inflation can still reduce your real return. Learn when a HYSA makes sense and where it falls short.

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909 Rose Ave STE 650, Bethesda MD 20852

Check the background of your financial professional on FINRA’sBrokerCheck

Simeon Esprit, Benjamin Duhoski, and Eric Simning are Financial Planners with, and offer securities and investment advisory services through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.

LPL Enterprise Form CRS

The LPL Enterprise registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

This information is not intended as authoritative guidance or tax or legal advice.  You should consult with your attorney or tax advisor for guidance on your specific situation.

Brianna Smith is employed by Bethesda Wealth Planning Group and not through LPLE.

Bethesda Wealth Planning Group does business in the following states:

Securities: [CA, CO, DC, FL, GA, MA, MD, MI, MT, NJ, NY, NC, OR, TN, TX, VA ]
Life Insurance: [CA, CO, DC, FL, MD, MI, NJ, TN, TX, VA,] (CA Insurance licenses #4252341)
Variable Life Insurance: [CA, CO, DC, FL, MD, MI, NJ, TN, TX, VA]
Mutual Funds: [CA, CO, DC, FL, GA, MD, MI, MT, NJ, NY, NC, TN, TX, VA]
Fixed Annuities: [CA, CO, DC, FL, MD, MI, NJ, TN, TX, VA]
Variable Annuities: [CA, CO, DC, FL, MD, MI, NJ, TN, TX, VA]

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