RPM Financial Group LLC

RPM Financial Group LLC I coach executives & business owners (particularly in the government contracting space) to make sound financial decisions with their $$.

Your employer's 22% RSU withholding doesn't settle your tax bill.At a 32% or 35% marginal rate, you've got more federal ...
10/08/2026

Your employer's 22% RSU withholding doesn't settle your tax bill.

At a 32% or 35% marginal rate, you've got more federal tax to cover.

If you're a government contractor receiving salary, bonuses and equity, you have several payroll pieces to track.

Employers often withhold 22% in federal income tax when your restricted stock units, or RSUs, vest.

You see taxes withheld and think you're covered.

I start with your full tax picture.

01. Estimate your federal income tax for the year using your salary, bonuses and expected RSU income.

Include your spouse's income if you're filing jointly.

02. Compare that estimate with what you'll pay through withholding and estimated tax payments.

That's how you figure out what's still owed before April.

03. Review your W-4, your employee withholding form, during the quarter you vest.

Ask payroll how to add enough withholding from your remaining paychecks to cover the projected shortfall.

For general education only. Consult your tax professional about your situation.

One checkbox on your FERS form sets your spouse’s survivor pension.Saving a few hundred a month can cost your spouse six...
10/07/2026

One checkbox on your FERS form sets your spouse’s survivor pension.

Saving a few hundred a month can cost your spouse six figures over 20 years.

You’re probably thinking, “It’s a few hundred a month, and we could use it now.”

Fair. Your paycheck lands today and your spouse’s income lands later, so it needs a full side-by-side before you sign.

A smaller survivor benefit puts more pension in your check while you’re alive.

Your spouse’s monthly floor sits lower after you die.

So run your spouse’s budget with the survivor pension, Social Security and TSP withdrawals.

Add health coverage.

Your spouse needs a survivor annuity to keep FEHB coverage through you, and you both have to meet the eligibility rules.

After you retire, the limits and deadlines for changing your election are strict. Don’t count on fixing it later.

Then set the monthly savings next to what your spouse gives up over 20 years.

This is general education, not a recommendation for your household.

Your old 401(k) has not moved since you left.You switched jobs. The account stayed behind, parked in whatever default fu...
10/06/2026

Your old 401(k) has not moved since you left.

You switched jobs. The account stayed behind, parked in whatever default fund they put you in on day one. You haven't logged in once since.

Ten years in Gov-Con usually means 6 to 10 of these scattered across primes and subs. I've reviewed accounts the owner forgot existed until the mail caught up with them.

Here's the review I run on each one. Takes an afternoon.

1. Find the provider and log in. Reset the password, whatever it takes. Write down the balance and the last four of the account number.

2. Ask them for the total annual fee. Not just the fund expense ratio. Former employees often get hit with a maintenance fee the current employees don't pay.

3. Look at what you're actually invested in. If it's a target-date fund or money market you never picked, note the date the allocation last changed. Usually it's your start date.

4. Compare three paths: roll to an IRA, move it into your new 401(k), or leave it. Each one has a real case. Leave it is a choice too, just make it on purpose.

5. Check the balance against the forced-rollover threshold. Under $7,000 and the plan can push you into a safe harbor IRA without much warning. Those sit in cash.

The money already landed. It's just sitting still while you work the next contract.

One account per afternoon. Start with the oldest.

10/06/2026

Here are simple ways to get started.

09/30/2026

Learn the Spending Regret Audit, a 4-step behavioral finance method to spot regretted purchases, cut spending regret, and align money with your values.

09/30/2026

Explore the next chapter you get to author.

09/29/2026

Expectations for what the Fed will do are driving the recent moves in long-term yields.

09/28/2026

John Cochrane, a senior fellow at the Hoover Institution, says that rate cuts will lower inflation only in the short term so long as fiscal policy favors borrowing and spending.

09/27/2026

Retirees often underspend despite strong finances. This piece explains why spending feels risky and how behavioral strategies can make retirement income easier to use.

09/26/2026

Retirees can benefit as AI expands into healthcare and other areas. What to know, from managing your health to your portfolio.

Address

Rockville, MD
20853

Opening Hours

Monday 9:30am - 4pm
Tuesday 9:30am - 4pm
Wednesday 9:30am - 4pm
Thursday 9:30am - 4pm
Friday 10am - 12pm

Telephone

+14108124426

Website

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