Page 39 - The Informed Fed--Hearn Wealth Management

Our experience has been that most of us are all in or all out. Which
coffee; they like it hot.

Same goes for a soft drink; it needs to be icy cold or we
in having one.

thought. Effectively utilizing your employee benefits is an exercise in
understanding the details and giving oneself an occasional tune-up, so to

is an inch of dirt collected before you wash it. Spend some extra time in
the beginning working on the details and then

going from time to time. Procrastination is something we all battle, some
more than others. We have found that if you take the time to write down
the tasks you need to accomplish and check them off as you go, it will

go a long way in nipping the old procrastination habit in the bud. How
do you eat an elephant? One bite at a time! Same goes with killing

procrastination. Most folks get frustrated when they are saddled with a
til they get to the
point of no return.

This reminds us of a case we were working on a couple of years ago.
This employee was trying to make a decision on their TSP rollover. We

were able to structure a lifetime income benefit through an annuity that
included an upfront bonus of 5% and a guaranteed roll-up percentage of
8%. We understand that these decisions are difficult ones, but this
employee missed out on the 8% roll-up because they procrastinated.

We have heard it said that the only thing for certain in this life is
death and taxes. That is debatable because one part was left out. Change.

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