Todd Carmack

Todd Carmack

Todd Carmack grew up in Dubuque, Iowa, where he learned the value of a dollar and a good work ethic.  He graduated college from Iowa State University and then moved to Chicago for work.  Mr. Carmack spent a few years running restaurants before changing careers to financial services.  Mr. Carmack spent many years in Chicago helping parents realize their dream of a college education for their children, working with college funding and also expanding into several fields of insurance.

Wanting a change, Mr. Carmack moved to Arizona and became a Financial Literacy Educator and worked with a couple of not-for-profit companies.  Having gained more experience in the financial services field, Mr. Carmack started working with federal employees as a benefit counselor and retirement income specialist.  Today, Mr. Carmack works with Bedrock Investment Advisors as he continues working with individuals providing them with education, review and analysis of their benefits and retirement goals.

More about Todd Carmack

Is The Pension ‘Survivor Benefit’ Best For You?  by Todd Carmack

Is The Pension ‘Survivor Benefit’ Best For You? by Todd Carmack

you may be able to use the costs associated with your Survivor Benefit and purchase a life insurance policy that provides your spouse and or your heirs with a much greater benefit. by Todd Carmack

Understanding Your FEGLI Coverage, by Todd Carmack

Understanding Your FEGLI Coverage, by Todd Carmack

The cost or ‘premium’ paid to maintain FEGLI almost doubles every 5 years. At age 65, you may elect to reduce coverage by 2% a month for 50 months until it reaches 0, or continue to pay premiums. by Todd Carmack

Social Security for FERS Employees by Todd Carmack

Social Security for FERS Employees by Todd Carmack

To be eligible for Social Security, you must first have worked a specific number of quarters. You will need 40 quarters to be fully insured for life. In other words, if you have worked for 10 years in jobs covered by Social Security, you can assume you are fully insured. by Todd Carmack

Disclosure. All opinions represent the judgment of the author on the date of the post and are subject to change. Content should not be viewed as personalized investment advice or as an offer to buy or sell any of the investments discussed. Legal and tax information is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation. BWM Advisory, LLC reserves the right to edit blog entries and delete those that contain offensive or inappropriate language. Content will also be deleted that potentially violates securities laws and regulations. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment or strategy will be suitable or profitable for an investor’s portfolio. All investment strategies have the potential for profit or loss. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours. BWM Advisory, LLC is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability.