Federal Retirement Experts

Todd Carmack
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Todd Carmack, Financial Advisor / Fiduciary

Bedrock Investment Advisors


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Certification: ChFEBC

About Todd Carmack

Todd Carmack grew up in Dubuque, Iowa, where he learned the concepts of hard work and the value of a dollar. Todd spent years in Boy Scouts and achieved the honor of Eagle Scout. Todd graduated from Iowa State University, moved to Chicago, spent a few years managing restaurants, and started working in financial services and insurance, helping families prepare for the high cost of college for their children. After spending years in the insurance industry, Todd moved to Arizona and started working with Federal Employees, offing education and options on their benefits. Becoming a Financial Advisor / Fiduciary can help people properly plan for the future. Todd also enjoys cooking and traveling in his free time.

Recent Reviews

11 May, 2023

Todd has fulfilled the promises he has made and and we are very satisfied in the direction of our finances in retirement.


09 May, 2023

Todd presents our investments in concise, easy to read language. He provides updates on a regular basis. We appreciate all Todd has done for us.


07 May, 2023

Todd is a most knowledgeable and personable support for anyone who would appreciate his time and services


11 Aug, 2022

I was fortunate to find Todd, who is a master of all facets of the federal retirement system. He knows how to get the best bang for your buck as you move into the fixed income phase of your life.


20 Apr, 2022

Todd has been amazing guiding us and keeping us informed of our investments. We were worried about retirement but he reassured us and continues to answer all our questions. Thank you Todd


20 Apr, 2022

Todds knowledge and advice assisted us greatly in preparing for and moving into retirement. We value his future service in guiding us to a delightful and comfortable retirement.

Randy Carman

11 Oct, 2021

Todd was great. Incredibly knowledgeable and very helpful. We couldn't have retired knowing we had enough without Todd's very inciteful and practical advice. Thanks Todd!



E-Books Attributed to Todd Carmack

Published Content and Articles Featuring Todd Carmack

Todd Carmack has been an approved member of the affiliate Network since 20 February 2019

Navigating the Ongoing Trends in OPM Retirement Processing

The Office of Personnel Management (OPM) retirement backlog saw little change in August, with processing numbers almost aligning with new...

Is it Prudent to Wait Until 70 to Claim Social Security Benefits? Let’s Look at the Statistics

It is rational to wait until age 70 to receive Social Security benefits; your monthly payments would be 35% greater...

Roller coaster vs. merry-go-round TSP investors

If you have been a Thrift Savings Plan (TSP) investor for a time, you're aware that the C, S, and...

FEHB Changes Are Permitted Outside of Open Season for Certain Reasons

Most FEHB Program enrollment changes occur during the yearly Open Season. However, some changes are permitted at other times when...

How Medicare Works When You Aren’t Retired

Many retirees find it difficult to afford healthcare due to rising costs. A report showed that healthcare costs were higher...

A Look Ahead to the Medicare Benefits of 2022: What’s Included?

Medicare benefits are available to adults over 65 and those with a disability. The government has no choice but to...