LaMont Baxter PSG Financial Group

LaMont Baxter PSG Financial Group Helping My Clients Find Optimal Financial Balance for a Better Life Today and Into The Future.

I want to share an extraordinary financial philosophy that will help you make every hard-earned dollar work harder, smarter, safer and faster so you increase your economic confidence now and allow you to walk a path towards greater wealth, and a great quality of life!

The most important estate planning conversation isn't with a lawyer. It's at the dinner table.I recently spoke in Washin...
08/12/2026

The most important estate planning conversation isn't with a lawyer. It's at the dinner table.

I recently spoke in Washington, DC alongside leaders from the National Science Foundation, U.S. Census Bureau, and the Society for Financial Awareness : and the message was the same:

It's not the legal details that unravel a family's legacy.
It's the emotions nobody addressed.

If you've been waiting for the "right time" to talk to a parent about their estate plan, there isn't one. There's just now : while there's still time to think clearly, together.

Plan early. Discuss often.

📅 Ready to start the conversation? Schedule a time with us: https://calendly.com/protectsavegrow/estate-plan-meeting

That's the whole message.

How do you bring up estate planning with a parent?It's one of the most common questions I hear: and one of the hardest c...
08/12/2026

How do you bring up estate planning with a parent?

It's one of the most common questions I hear: and one of the hardest conversations families avoid.

I recently spoke on this exact topic at the National Science Foundation, the U.S. Census Bureau, and the Society for Financial Awareness in Washington, DC. Our discussion centered on a pattern I see constantly in my work at PSG Financial Group:

It's rarely the legal paperwork that unravels a family's legacy.

It's the emotions nobody addressed.

Resentment. Assumptions. Unspoken expectations. They surface later: usually at the worst possible time.

If you've been putting off this conversation with a parent, here's my advice: you don't need all the answers. You just need to open the door.

Plan early. Discuss often.

📅 Ready to start the conversation? Schedule a time with us: https://calendly.com/protectsavegrow/estate-plan-meeting

Feeling a bit unsettled by recent Social Security headlines? You aren't alone.With the introduction of the bipartisan PR...
07/20/2026

Feeling a bit unsettled by recent Social Security headlines? You aren't alone.

With the introduction of the bipartisan PROMISE Act (Protecting Retirement Opportunities and Maintaining Income Security for Everyone), there’s a lot of noise about the future of Social Security. But before you rethink your retirement date, let’s look at the facts.

The most important thing to know? This bill does NOT change your benefits, taxes, or retirement age. Instead, it creates an independent, bipartisan committee tasked with developing recommendations for Social Security's long-term stability: recommendations that Congress would then be required to consider through an expedited vote.

Why does this matter for federal employees?
If you’re under FERS, Social Security is a vital leg of your "three-legged stool," alongside your pension and TSP. While the OASI Trust Fund is currently projected for depletion in 2032, this bill is simply a strategic step toward addressing that gap before any automatic reductions could occur.

The bottom line: Don’t let headlines drive your decisions. Your retirement plan should be based on strategy, not speculation. There is no reason to change your current retirement plans based on this legislation.

Are you curious about how your Social Security fits into your overall FERS strategy? We’re here to help you cut through the noise and plan with confidence.

Learn more about our three-step planning process at: https://protectsaveandgrow.com/

What should I do about Medicare when I retire? It’s the #1 question I get from federal employees, and the answer is oft...
05/06/2026

What should I do about Medicare when I retire? It’s the #1 question I get from federal employees, and the answer is often buried under a mountain of myths. If you are a federal retiree, doing nothing might be the most expensive choice you make.

Let’s clear the air:

Myth: Part B is too expensive.
Fact: While the standard premium is $202.90, the savings often outweigh the cost. Plans like BCBS Basic provide an $800/year rebate, and Aetna Direct offers $900. When Medicare is primary, many plans waive deductibles and copays entirely.

Myth: I won’t be able to see my doctor.
Fact: 98% of non-pediatric physicians participate in Medicare. Access is often reported to be equal to or better than private insurance!

Myth: I’m healthy, I don’t need it yet.
Fact: It’s pay me now or pay me later. Medicare offers much more generous home health and therapy coverage than standard FEHB plans. Plus, waiting usually triggers a 10% permanent late penalty.

Myth: Part D isn't for feds.
Fact: New FEHB Part D plans include a $2,100 annual out-of-pocket cap on prescriptions.

Are you feeling a little off-balance with your retirement strategy? Don't guess( get the facts.)

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