139th News

Coping with Financial Issues of COVID-19 - Part 49

  • Published
  • By Randy Gerard, Personal Financial Counselor

This month’s RSD will mark the halfway point in the year, how are you doing financially? Do you need to make any adjustments in your withholding for income tax purposes? Is your TSP invested properly and are your contributing enough to meet your retirement goals? These and many other types of personal financial planning questions can be addressed in an appointment or call with me. There has been a very positive response to the new Calendly option to set the desired meeting type directly using my calendar at your convenience: https://calendly.com/rosecrans (forward to your personal computer if it doesn’t open on your government device).
This month’s Tidbit will emphasize several financial goals you may be addressing. Please also remember my drop-in Topic sessions on Tuesdays with additional financial information. These will also be on the Wing SharePoint and the Resiliency Team calendar for your reference. I have included June and July’s schedule in the Tidbit below. As always, contact me with any additional questions. 


  • 8th - Tuesday Drop-in: Manage Your Spending & FTP-Divorce
  • 15th - Tuesday Drop-in: Maximize Your Retirement
  • 16th - FTP-PCS
  • 22nd - Tuesday Drop-in: Home Purchase
  • 23rd - FTP-PCS
  • 29th - Tuesday Drop-in: College Funding


  • 6th - Tuesday Drop-in: Buying a Car
  • 7th - FTP-TSP Vesting
  • 13th - Tuesday Drop-in: Student Loans & FTP-TSP Vesting
  • 20th - Tuesday Drop-in: Saving & Investing
  • 21st - FTP-FDS-E
  • 27th - Tuesday Drop-in: Your LES

Plan for Your Future-Be Smart With Your Money
Your financial well-being, or overall financial situation, is unique to you. Often, we equate how well we’re doing financially with how much money we make, our credit score, or overall net worth. In reality, your financial well-being is determined by factors that tell a larger story about your relationship to money. This includes how well you’re able to stay on top of your financial obligations, how secure you feel about your financial future, and ultimately whether you have the freedom to make financial choices that allow you to enjoy your life. Please access this link for more information.

Lifecycle Approach to Insurance
Insurance planning begins with an assessment of your needs. If nothing changes, leave your plan alone. But with major life events, reconsider your plan. Use the following link for further information.

What is Your Spending Personality?
Everyone has their own approach to spending and saving. And while there are several factors that can contribute to why you spend the way you do, recognizing your habits is one of the first steps you can take to improve your overall financial health. Here are five common spending personalities. Do you recognize yourself?

Don’t hesitate to reach out by phone, text, email or ask for a private Zoom session for you or your family members. Be Vigilant and STAY SAFE!

Randy Gerard, PFC
C (573) 415-6934
O (816) 236-3659

This month’s thought: “Success is not final, failure is not fatal, it is the courage to continue that counts.” ~Winston Churchill