In this episode of Bartelle's Money Talk, Theresa Bartelle sits down with Mel Stubbs, a seasoned financial planner at Christie Capital Management, to help federal employees and future retirees understand what they MUST know before stepping into retirement.

📌 What You’ll Learn:

• The 10 key financial decisions every federal employee should make before retirement

• How early retirement options and RIFs (reduction in force) are impacting federal workers

• The truth about Social Security timing and legacy planning

• Tax-saving strategies with Roth vs. Traditional 401(k)/TSP

• Why proper portfolio allocation matters before and after retirement

💡 Whether you're 10 years away or 10 months away from retirement—this episode is your action plan.

🛑 Don't risk retiring without a plan. Watch now and share with a friend who needs this!

🔗 Connect with Mel Stubbs:
👉 https://christiecapital.com/decisions
📧 Email: [email protected]

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📞 Schedule your FREE financial consultation: (830) 252-0320

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