Benjamin W. Compton, CFP, CLTC, BFA - Oak & Stone Capital Advisors

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Benjamin W. Compton, CFP, CLTC, BFA - Oak & Stone Capital Advisors

Having spent 21 years in the insurance business No offers may be made or accepted from any resident of any other state.

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inancial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed.

09/07/2026

🛠️ Happy Labor Day from Oak & Stone Capital Advisors.

💼 Today, we recognize the federal employees, defense-industry professionals, educators, first responders, tradespeople, and countless others whose hard work keeps the D.C. metro moving.

We hope you take a well-earned pause to recharge and enjoy the holiday with family and friends.

09/04/2026

🎒 Back-to-school season is here across the D.C. metro. New routines, activities, and school expenses can put extra pressure on family calendars and budgets.

📚 Here’s to a strong year for the students, and to the grown-ups helping them get there.

08/27/2026

📋 Your TSP beneficiary designation may carry more weight than you realize.

The TSP states that it cannot honor a will or any other document as a beneficiary designation. A valid designation must be on file with the TSP at the time of your death, and if no designation is on file, your account follows the statutory order of precedence.

🔄 That makes a beneficiary review especially important after marriage, divorce, remarriage, the birth or adoption of a child, a death in the family, or another major life change.

One practical retirement-planning check-in: log in to your TSP account, confirm who is listed, and make sure the designation still reflects your intentions.

✅ When did you last review yours?

This content is for educational purposes only and is not intended as legal or tax advice.

08/18/2026

Moving between federal service, government contracting and the private sector can leave you with more than one retirement account.

A TSP may remain from federal service. A former contractor position may have created a 401(k). A new employer may offer another workplace plan. Over time, it becomes easy to accumulate accounts that are individually active but no longer coordinated.

The account itself has not disappeared. The issue is whether you still understand:

✓ Where the money is
✓ How each account is invested
✓ What fees and plan features apply
✓ Whether beneficiaries are current
✓ How each account fits beside your pension and other retirement savings

Consolidation is not automatically the right answer for everyone. Different accounts may have different features, protections and withdrawal rules.

The first step is simply making sure nothing has been forgotten and every account has a clear role in the broader retirement plan.

An old account may still be working. The question is whether it is working with the rest of your plan.

Have you ever discovered an old retirement account after changing jobs?

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08/14/2026

For many federal employees, health coverage is one of the most valuable pieces of the retirement picture.

But continuing FEHB into retirement is not something to assume will happen automatically.

There are eligibility requirements that need to be satisfied before retirement, which is why healthcare should be reviewed before choosing a final retirement date.

A few important questions to consider:

✓ Will I meet the requirements to continue FEHB into retirement?
✓ Does my planned retirement date affect my eligibility?
✓ Who else in my household needs continued coverage?
✓ What will premiums and out-of-pocket costs look like in retirement?
✓ How might Medicare eventually coordinate with my FEHB coverage?

For eligible retirees, FEHB can continue into retirement, and later in life it may work alongside Medicare rather than simply being replaced by it.

That makes healthcare more than a benefits question. It becomes part of the retirement-income plan too.

Pension income, TSP withdrawals, Social Security, healthcare premiums and household expenses all need to work together.

Before the retirement paperwork is submitted, make sure you understand what happens to your health coverage the day after your paycheck stops.

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08/12/2026

For a federal employee, being “on track” for retirement is rarely answered by looking at one savings account.

Your future retirement income may come from several different places:

✓ Your FERS or CSRS pension
✓ Your Thrift Savings Plan
✓ Social Security
✓ Personal savings and investments
✓ Other household income

Each piece has its own rules, timing decisions and purpose.

Your pension can provide a foundation of dependable income; Your TSP may provide additional income and flexibility. Social Security may become another part of the picture later.

The important question is how those pieces work together to support your actual expenses after the paycheck stops.

Before choosing a retirement date, take time to understand what each source may provide, when it may begin and what gaps may still need to be addressed.

A federal retirement plan becomes clearer when the complete income picture is on one page.

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08/10/2026

The day you retire and the day all of your retirement income begins may not be the same day.

For federal employees, the transition from a regular paycheck to retirement income can involve several moving parts:

✓ A final paycheck
✓ A possible lump-sum annual-leave payment
✓ Retirement payments
✓ TSP withdrawals
✓ Social Security, depending on timing
✓ Personal savings and investments

Each source may begin on a different schedule.

Meanwhile, the mortgage, utilities, insurance premiums and everyday household expenses continue without interruption.

That is why retirement planning should include more than an estimated annual income number. It should also include a month-by-month transition plan.

Before choosing a final retirement date, ask:

How much cash should remain readily available?
Which income source will begin first?
What expenses could change immediately?
How will taxes and healthcare costs be handled?
Does the household have enough flexibility if a payment takes longer than expected?

A strong retirement plan prepares for the space between the last paycheck and the new income routine.

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08/05/2026

Is your financial plan still up to date?

A yearly review doesn't always lead to major changes. Sometimes it confirms you're on the right track. Other times, it uncovers small adjustments that can make a meaningful difference over time.

Here are five areas I encourage clients to review each year:

✓ Beneficiaries
✓ Retirement savings
✓ Insurance coverage
✓ Estate planning documents
✓ Financial goals

Your financial plan should grow and adapt as your life does. Taking a little time to review these areas each year can help ensure your plan continues to support your goals, not yesterday's circumstances.

Which of these five have you reviewed most recently?

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07/29/2026

For many government employees, a pension provides a strong foundation for retirement.

The next step is making sure every part of your financial life works together.

Your TSP, Social Security claiming strategy, retirement income, taxes, healthcare planning, and long-term care decisions all influence how confidently you'll be able to retire.

Each piece serves a different purpose.

A well-designed financial plan coordinates those pieces into a strategy that supports the lifestyle you've worked hard to achieve.

Retirement confidence comes from understanding how every decision supports the next.

When was the last time you looked at your retirement plan as a complete picture instead of separate accounts and benefits?

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07/26/2026

Today we celebrate the parents, grandparents, and caregivers who help guide future generations.

The lessons we teach, the examples we set, and the values we share often leave a lasting impact far beyond what we realize.

Happy Parents Day.

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Address

6529 Crain Highway
La Plata, MD
20646

Telephone

+13019346010

Website

https://oakandstonecapital.com/benjamin-w-compton-cfp-cltc/

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