The Fed15 Podcast
The Fed15 is a new weekly periodic podcast from the team at Serving Those Who Serve, hosted by Dan Sipe and Katelyn Murray. Our financial planning and education practice specializes in helping Feds maximize their employee benefits in the context of their overall financial plan, in order to build the retirement of their dreams. Each week, we’ll discuss the latest news and info that Feds need to know in 15 minutes or less. So whether you're a seasoned federal employee or just starting out in your career, Fed15 has got you covered. Grab your coffee, kick back, and we’ll tell you what you need to know (but might have missed!). ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning team serving federal government employees and retirees all over the country.This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Serving those Who Serve (STWS) is not a broker/dealer. Content represents the opinions of the speaker and not necessarily those of Raymond James. Important Disclosure Information: http://raymondjames.com/smicd.htm The rating is not intended to be an endorsement, or any way indicative of the advisors abilities to provide investment advice or management. This podcast is intended for informational purposes only.
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The Fed15 Podcast: 2026 Retirement Prep — New TSP & IRA Limits and How to Avoid Payment Delays
01/08/2026
The Fed15 Podcast: 2026 Retirement Prep — New TSP & IRA Limits and How to Avoid Payment Delays
Dan and Katelyn break down what federal employees need to know heading into 2026, starting with the newly announced TSP and IRA contribution limits and how higher caps, expanded catch-ups, and Roth requirements for higher earners can shape retirement strategy. They explain why recalculating per-pay-period contributions before January matters for maximizing tax-advantaged growth and agency matching. The conversation then shifts to the other side of retirement readiness, outlining the most common mistakes that delay first retirement payments and walking through a practical checklist for submitting a clean, on-time application. The episode closes with key planning takeaways and a preview of upcoming webinars covering FERS, taxes, Social Security, TSP, and FEHB. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation.
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The Fed15 Podcast: RIF “Bump and Retreat” Explained + 2026 HSA & FSA Updates
01/08/2026
The Fed15 Podcast: RIF “Bump and Retreat” Explained + 2026 HSA & FSA Updates
Dan and Katelyn break down how “bump and retreat” works in a RIF, covering key terms, potential outcomes, and steps federal employees can take if a RIF is possible. They also review 2026 HSA and FSA updates, including tax advantages, ACA-related changes, Direct Primary Care and telehealth expenses, and key differences among FSA options for federal employees. · · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan breaks down “bump and retreat” in the context of RIFs, starting with key concepts such as competitive area and level, the retention register, and possible outcomes. He then explains how bump and retreat works, what factors may affect an employee’s position on the list, and practical steps to take if a RIF becomes a possibility. Katelyn covers HSA and FSA enhancements taking effect in 2026, including how HSAs can deliver significant tax advantages when used strategically. She reviews new changes affecting individuals on Bronze and catastrophic ACA plans, updates to Direct Primary Care and telehealth expenses, and then walks through the different types of FSAs available to federal employees, along with important considerations for managing these accounts effectively. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees and members of the uniformed services, including the Ready Reserve. The TSP is a defined contribution plan, meaning that the retirement income you receive from your TSP account will depend on how much you (and your agency or service, if you're eligible to receive agency or service contributions) put into your account during your working years and the earnings accumulated over that time. The Federal Retirement Thrift Investment Board (FRTIB) administers the TSP. Contributions to a traditional IRA may be tax-deductible depending on the taxpayer’s income, tax-filing status, and other factors. Withdrawal of pre-tax contributions and/or earnings will be subject to ordinary income tax and, if taken prior to age 59 1/2, may be subject to a 10% federal tax penalty. Like Traditional IRAs, contribution limits apply to Roth IRAs. In addition, with a Roth IRA, your allowable contribution may be reduced or eliminated if your annual income exceeds certain limits. Contributions to a Roth IRA are never tax deductible, but if certain conditions are met, distributions will be completely income tax free. Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted.
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The Fed15 Podcast: Early Retirement Factors and TSP Considerations During Volatility
12/05/2025
The Fed15 Podcast: Early Retirement Factors and TSP Considerations During Volatility
Dan and Katelyn sit down to discuss key considerations for Feds facing early retirement and market volatility. Dan reviews the role of the FERS supplement, past proposals to change it, and why staying aware of policy discussions remains important. Katelyn follows by outlining how to evaluate volatility within the TSP, highlighting the functions of the G, F, C, S, I, and L Funds, along with considerations around rebalancing and maintaining a steady perspective during uncertain market periods. · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan outlines key considerations for federal employees who plan to retire before age 62, beginning with an overview of the FERS supplement and the past discussions surrounding proposals to modify or eliminate it. He explains the role of the supplement, reviews prior proposals from the White House, and highlights which elements remained unchanged. Dan also emphasizes why staying informed about policy debates is important. He then provides general considerations for navigating periods of uncertainty, such as avoiding overreliance on the FERS supplement. He concludes by underscoring the value of maintaining a consistent, well-thought-out retirement strategy. Then, Katelyn discusses key considerations for evaluating market volatility within the TSP. She reviews principles tied to prudent investing and explains the main TSP options in choppy markets, including the stability of the G Fund, the diversification of the F, C, S, and I Funds, and the automatic rebalancing of the L Funds. She also covers considerations around maintaining an existing approach versus making measured adjustments, along with rebalancing and transfer guidelines. She concludes by highlighting the importance of staying informed and maintaining a steady perspective during volatile periods. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: A Thanksgiving Special with the STWS Team
11/26/2025
The Fed15 Podcast: A Thanksgiving Special with the STWS Team
Dan and Katelyn sit down with the rest of the Serving Those Who Serve team for a Thanksgiving Special episode. Each person shares what they’re thankful for, the small things bringing them joy lately, their favorite Thanksgiving dishes, and one thing they’ve learned and come to appreciate from working with our clients. Articles & Resources to Explore · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: A Career Shift with Flavor — Former Fed Kevin Gash’s Sausage Journey
11/19/2025
The Fed15 Podcast: A Career Shift with Flavor — Former Fed Kevin Gash’s Sausage Journey
Dan and Katelyn sit down with Kevin Gash, founder of Maryland Brat & Butcher Co. (formerly Plan B Sausages) and former federal employee of more than 20 years. After being unexpectedly separated from federal service, Kevin shares his journey—from growing up in Germany and spending time in local butcher shops, to his personal and professional travels with USAID, to navigating a layoff—and how these experiences ultimately helped him pivot into building the thriving sausage company he runs today. Articles & Resources to Explore · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: Navigating FEHB Open Season with Consumers’ Checkbook
11/06/2025
The Fed15 Podcast: Navigating FEHB Open Season with Consumers’ Checkbook
Consumers’ Checkbook, for a Q&A focused on helping federal employees navigate Open Season with confidence. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Kevin shares expert insights on common FEHB pitfalls, rising premiums, and how to choose the right plan for your needs. Topics covered include: · The biggest mistakes federal employees make during Open Season—and how to avoid them · When it’s time to review or switch your FEHB plan · How to manage rising premiums and control costs · Whether a high-deductible plan with an HSA could make sense for you · What federal families and retirees should pay close attention to when comparing plans · The top three things every federal employee should check before making their Open Season decision ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: Navigating Shutdowns and Staying Ethical in the Digital Age
10/24/2025
The Fed15 Podcast: Navigating Shutdowns and Staying Ethical in the Digital Age
In this episode, Dan discusses how federal employees can prepare for a potential government shutdown—covering back pay expectations, key benefits like FEHB, TSP, and leave, and strategies to avoid high-interest debt while staying financially resilient. Meanwhile, Katelyn examines digital assets through the lens of federal ethics, exploring potential conflicts of interest, appropriate actions to stay compliant, and practical tips for managing digital holdings responsibly. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan discusses strategies for navigating a potential government shutdown. He begins with back pay expectations and possible pay delays, emphasizing immediate money moves to stay afloat. He then covers key benefits including FEHB, TSP, and leave, and explains considerations for those working without pay. Dan underscores the risks of high-interest borrowing, offers guidance on financial steps once pay resumes, and closes by stressing resilience and the value of seeking professional support if the shutdown persists. Katelyn follows with a discussion on digital assets and federal ethics, examining potential conflicts of interest they can create. She explains why digital holdings may present compliance risks and outlines appropriate actions such as recusal from certain duties, selling assets, or adjusting responsibilities to eliminate overlap. Katelyn also shares practical strategies for managing digital assets responsibly and maintaining ethical compliance. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: Financial Independence, Early Retirement, and Entrepreneurship in Federal Service
10/08/2025
The Fed15 Podcast: Financial Independence, Early Retirement, and Entrepreneurship in Federal Service
In this episode, Katelyn explores financial independence and early retirement for federal employees, highlighting how benefits like TSP, FERS, and FEHB can support FIRE goals, while Dan discusses entrepreneurship in federal service, covering ethics rules, post-employment restrictions, and how to start a compliant business. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn covers the Financial Independence, Retire Early (FIRE) movement as it relates to federal employees. She explains how federal benefits can support early retirement, highlighting key programs such as the TSP, FERS, and FEHB. She also explores strategies to optimize TSP contributions and how to time benefits for maximum impact. Finally, she discusses the core principles of FIRE—keeping costs low and maximizing savings—and delves into practical budgeting strategies. Dan discusses how to start a business while working as a federal employee. He explains how to navigate the federal ethics rules that entrepreneurs must follow and reviews how to choose an appropriate business structure. He also outlines post-government employment restrictions, including the lifetime ban, two-year ban, and one-year “cooling-off” period. Lastly, he shares practical steps for launching a business while in service and emphasizes the importance of remaining compliant. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: TSP’s $1 Trillion Moment & the 2025 FEVS Cancellation
10/06/2025
The Fed15 Podcast: TSP’s $1 Trillion Moment & the 2025 FEVS Cancellation
In this episode, Dan covers the TSP surpassing $1 trillion and what it means for retirement savings, while Katelyn examines the cancellation of the Federal Employee Viewpoint Survey, its impact on agencies and employees, and alternatives moving forward. Articles & Resources Covered · · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan covers the Thrift Savings Plan surpassing the $1 trillion mark and what this milestone means for federal retirement savings. He explains where the TSP now stands among retirement funds, then breaks down the numbers—total assets, participant count, and average TSP and FERS balances. He highlights the implications for federal employees, emphasizing strength, stability, and continued growth, while also sharing key takeaways and caveats for contributors to keep in mind. Katelyn turns to the Federal Employee Viewpoint Survey, which has traditionally measured leadership, workload, morale, and engagement to guide agency management decisions. She outlines the importance of this data, why its cancellation in 2025 should concern agencies, employees, and oversight bodies, and the potential ripple effects on career and financial planning. She also points to alternative ways employees can stay informed. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: Switching to State Jobs & Mid-Career Apprenticeships
09/25/2025
The Fed15 Podcast: Switching to State Jobs & Mid-Career Apprenticeships
In this episode, Katelyn and Dan discuss why federal employees are considering state jobs, outlining benefits, protections, and key trade-offs, then explore apprenticeship opportunities in fields like IT, healthcare, and HR, closing with guidance on eligibility, how to get started, and the long-term value of these programs. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn explores why many federal employees are considering a move to state jobs, outlining the factors that make this option increasingly appealing. She breaks down key benefits such as health insurance, FERS, and state pension plans, while also comparing job protections and tenure in federal versus state roles. She concludes with an overview of important trade-offs, including TSP, vesting requirements, service credit rules, and whether prior federal service counts toward retirement. Dan follows with a discussion on apprenticeship programs designed for mid-career federal employees. He highlights opportunities in fields like IT, healthcare, and HR, explaining the structure, eligibility, and advantages of these programs. He also provides guidance on how to get started and emphasizes the long-term benefits apprenticeships can offer. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: Retirement Benchmarks and Private Sector Transitions
09/18/2025
The Fed15 Podcast: Retirement Benchmarks and Private Sector Transitions
In this episode, Dan and Katelyn discuss federal retirement benchmarks, savings milestones, and key planning factors, then explore strategies for catching up with FERS and TSP, closing with guidance on transitioning to the private sector and avoiding common mistakes. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan opens by breaking down federal retirement benchmarks, emphasizing that they should be seen as minimum guidelines—not one-size-fits-all numbers. He walks through savings milestones at ages 35, 50, and 60, and ties them to critical planning factors like monthly and annual expenses, healthcare, lifestyle, and inflation. He also addresses strategies for catching up on savings, with a focus on FERS and TSP, before comparing “what you have” versus “what you need.” Katelyn follows with guidance on building a private-sector-ready financial plan. She begins by examining why federal employees leave government service, pointing to both push and pull factors. She then explains what happens to federal benefits if you exit early, touches on TSP options after leaving, and dives into health insurance and survivor benefits. Finally, she outlines how to bridge into the private sector, while spotlighting key mistakes to avoid. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: Contracting vs. Federal Service, 2025 Pay Raise, and Retirement Challenges
09/12/2025
The Fed15 Podcast: Contracting vs. Federal Service, 2025 Pay Raise, and Retirement Challenges
In this episode, Katelyn and Jen discuss the tradeoffs between federal service and contracting, the 2025 pay raise versus inflation, and key retirement planning challenges, closing with actionable steps for employees to consider. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn explores the federal contractor advantage, starting with the pull factors that attract federal employees to contracting and the push factors that drive them to leave federal service. She then compares contracting and federal employment, focusing on pay, benefits, retirement, and stability. Katelyn closes by outlining when making the move makes sense and the practical steps to take. Jen follows with a discussion on the 2025 federal pay raise and how it measures up against inflation. While noting it as one of the largest raises in recent years, she highlights how government salaries continue to lag behind private sector growth and market competitiveness. Jen also examines mid-career challenges, locality pay gaps, and the complexities of retirement planning—including TSP, pension calculations, COLAs, and inflation risk—before wrapping up with actionable recommendations. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: Reconciliation Bill Updates and Why Beneficiaries Matter
09/03/2025
The Fed15 Podcast: Reconciliation Bill Updates and Why Beneficiaries Matter
In this episode, Dan reviews key benefit changes in the 2025 reconciliation bill, legal decisions shaping TSP and pensions, and what to watch moving forward. Katelyn highlights why updating beneficiary designations matters, the forms required, and how to avoid common mistakes. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan reviews what made it into the 2025 reconciliation bill—and what didn’t. He covers the status of COLAs, proposals to move from high-3 to high-5, and the status of proposed increases to employee contributions. He also examines legal decisions that could affect benefits, including TSP divorce awards, service credit clarifications, and state-level pension cases. He closes by highlighting key issues to watch in late 2025 and beyond. Katelyn follows with a discussion on why keeping beneficiary designations up to date is more important than many realize. She explains how designations apply to benefits such as TSP, FEGLI, unpaid compensation, and survivor annuities. She walks through what to review, which forms are needed (since wills often do not apply), and where to obtain them. She also highlights key life events that typically trigger a review and outlines common mistakes to avoid. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: Crypto Caution & the Best States for Retiring Feds in 2025
08/27/2025
The Fed15 Podcast: Crypto Caution & the Best States for Retiring Feds in 2025
In this episode, Katelyn and Dan explore the growing interest in cryptocurrency among federal employees and the importance of a cautious approach. They cover the risks of crypto investing, regulatory concerns, and why proven strategies like contributing to TSPs and IRAs should remain a priority. Then, they shift to retirement planning, highlighting the most tax-friendly states for federal retirees in 2025, and how to evaluate lifestyle goals, cost of living, and personal fit when choosing where to retire. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn explores the appeal of cryptocurrency and why federal employees should approach it with caution. She highlights its high volatility and lack of long-term stability, which can pose significant risks. Katelyn emphasizes the importance of prioritizing time-tested strategies—such as contributing to TSPs and IRAs—over speculative investments. She also touches on regulatory considerations and underscores the need to proceed carefully, with a focus on financial security and stability. Dan breaks down the best states for federal retirees in 2025, focusing on those that are tax-friendly and TSP-savvy. He stresses the importance of aligning your retirement location with your lifestyle goals and financial priorities. Dan then outlines the top tax-friendly states for federal retirees in 2025, and explains why factors like quality of life, cost of living, and personal preferences play a crucial role. He reminds retirees that there’s no one-size-fits-all solution—choosing the right location should be a thoughtful, individualized decision. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dan Sipe, and Katelyn Murray and not necessarily those of Raymond James. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The prominent underlying risk of using cryptocurrencies as a medium of exchange is that it is not authorized or regulated by any central bank. Cryptocurrency issuers are not registered with the SEC, and the cryptocurrency marketplace is currently unregulated. Cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, and a potential total loss of their investment.
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The Fed15 Podcast: Key OBBBA Provisions and How They Affect Roth Conversions
08/12/2025
The Fed15 Podcast: Key OBBBA Provisions and How They Affect Roth Conversions
In this episode, Dan and Katelyn discuss key 2025 tax changes from the OBBBA and their impact on federal employees. They cover tax deductions, estate planning, and student loan updates, followed by Roth conversion strategies to help diversify retirement portfolios and manage future tax risks. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan reviews key provisions of the One Big Beautiful Bill Act (OBBBA) and the various sectors it affects. He covers tax changes and deductions — from the standard deduction increase to the overtime pay deduction — as well as updates to estate and gift tax exemptions and the introduction of “Trump Accounts” for children born between 2025 and 2028. He also briefly addresses changes to student loans, clean energy incentives, and education-related provisions. Katelyn then explores the case for Roth conversions, beginning with the pre- vs. post-TCJA landscape and how the OBBBA extends TCJA tax brackets with inflation adjustments. She explains how Roth conversions can help tax-diversify retirement portfolios and potentially protect against future tax increases. Her discussion includes how Roth conversions work, their benefits — from tax diversification to estate planning advantages — and strategies for optimizing tax efficiency. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Planning for Age Gaps, and the 2026 COLA Outlook
08/06/2025
The Fed15 Podcast: Planning for Age Gaps, and the 2026 COLA Outlook
In this episode, Dan and Katelyn discuss retirement strategies for federal employees, with a focus on age-gap couples. They cover Medicare, Social Security, Roth conversions, and withdrawal planning, as well as early 2026 COLA projections and their impact on CSRS and FERS retirees. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn discusses key financial considerations for couples with an age difference. She highlights the importance of tailored planning to help reduce the risk of health insurance gaps, uneven income years, and potential tax surprises. Her discussion includes Medicare and health insurance planning, Social Security income strategies, required minimum distributions (RMDs), Roth conversions, and withdrawal approaches. Then, Dan discusses the 2026 cost-of-living adjustment (COLA) estimate and its potential impact on CSRS and FERS retirees. He reviews how COLAs work and outlines the early projections for 2026. He also explains the differences in how COLAs are applied to CSRS versus FERS benefits. In addition, he highlights the importance of building flexibility into a retirement income plan and covers related topics such as spousal benefits, TSP distributions, and annuity payments. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: 2024 Federal Employee Survey Insights & Boosting Your Career Growth
07/30/2025
The Fed15 Podcast: 2024 Federal Employee Survey Insights & Boosting Your Career Growth
In this episode, Dan and Katelyn break down the 2024 Federal Employee Viewpoint Survey results, highlighting trends in engagement, leadership trust, and job satisfaction. They also explore how career development can boost retirement security through higher earnings, TSP contributions, and Social Security benefits. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan breaks down the results of the 2024 Federal Employee Viewpoint Survey, with responses from over 674,000 employees. He highlights the highest levels of morale, engagement, and leadership trust seen in over a decade, diving into key metrics from the Employee Engagement Index—including leadership trust, meaningful work, supervisory relationships, intrinsic work experience, and the Global Satisfaction Index. Then, Katelyn explores how federal employees can invest in both their careers and their retirement. She explains how professional development, promotions, and step increases can lead to a higher high-3 salary, greater TSP contributions, and stronger Social Security benefits. She also shares practical ways to leverage existing resources to support long-term growth and satisfaction. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Is FLTCIP Worth It? Plus, Retirement Strategies for Veterans in Government
07/22/2025
The Fed15 Podcast: Is FLTCIP Worth It? Plus, Retirement Strategies for Veterans in Government
In this episode, Katelyn and Dan explore key considerations for federal employees and veterans planning—covering the Federal Long Term Care Insurance Program, eligibility requirements, pros and cons of coverage, and alternative options like private plans or self-insuring. They also dive into retirement strategies for veterans transitioning to federal service, including how military pensions interact with FERS, TSP coordination, Tricare and FEHB eligibility, and programs like FEGLI designed to maximize benefits in retirement. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn breaks down the Federal Long Term Care Insurance Program, explaining why it was created, what it covers, who is eligible, and the current enrollment freeze. She weighs the pros—such as group rates—against cons like rising premiums and helps listeners evaluate whether the program fits their retirement goals. She also explores alternatives, including self-insuring and private long-term care options. Dan then covers retirement planning for veterans transitioning to or currently in federal civilian service. He explains how a military pension interacts with FERS benefits, the coordination of military and civilian TSP accounts, and eligibility for Tricare and FEHB. He also discusses strategies to maximize these benefits, including FEGLI and other programs available to veterans, and wraps up with additional thoughts on long-term care. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Understanding the Big Beautiful Bill and Protecting Whistleblower Rights
07/08/2025
The Fed15 Podcast: Understanding the Big Beautiful Bill and Protecting Whistleblower Rights
In this episode, Jen and Dan unpack major challenges facing federal employees—from proposed retirement changes to whistleblower protections—covering the Big Beautiful Bill Act, FERS updates, legal safeguards, and steps to stay informed and protected. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Jen breaks down the Big Beautiful Bill Act and what it could mean for federal employees and retirees. She begins with the potential elimination of the FERS supplement, then explores proposed changes to pension calculations, the introduction of new fees and audits, and retirement plan options for new hires. Jen also highlights who might be exempt from certain changes and wraps up with practical steps federal employees can take to stay informed and prepared. Dan explores the role of whistleblowers in the federal government. He explains what qualifies as a protected disclosure and provides examples, then outlines the proper channels for reporting to ensure those protections apply. Dan also reviews key whistleblower legislation and concludes with an overview of legal remedies for retaliation and recommended steps to take if it occurs. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Navigating Workplace Rights, LGBTQ+ Protections, & Resilience in Federal Service
07/02/2025
The Fed15 Podcast: Navigating Workplace Rights, LGBTQ+ Protections, & Resilience in Federal Service
In this episode, Katelyn and Dan unpack federal employee rights and protections in the face of workplace challenges—from hostile environments to LGBTQ+ discrimination—highlighting key legal safeguards, executive orders, historical context, and strategies to navigate retaliation, political pressure, and shifting workplace policies. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan breaks down federal employee rights related to hostile work environments. He explains how to recognize the signs, outlines steps for addressing toxic workplace conditions, and highlights protections against retaliation. He also discusses how to safeguard your job in politically charged situations and shares key resources and support systems to help protect your career. Katelyn explores current LGBTQ+ federal employee rights in the context of Executive Order 14169. She provides historical background—including the Lavender Scare and key executive orders and court rulings that have shaped protections over time. She also breaks down existing legal safeguards, offers guidance on navigating today’s legal landscape, and outlines the current administration’s workplace policies for LGBTQ+ employees. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Navigating Privatization and Protecting Your Clearance
06/27/2025
The Fed15 Podcast: Navigating Privatization and Protecting Your Clearance
In this episode, Katelyn and Dan discuss the rise of privatization and changing security clearance policies, highlighting the impact of recent layoffs, at-risk roles, political shifts, and executive orders—while emphasizing the need for federal employees to stay informed, protected, and prepared for change. Social media caption: 🚨 New Episode Alert! 🚨 In this episode of The Fed15 Podcast, we’re diving into two major issues federal employees can’t ignore: rising privatization and evolving security clearance policies. From recent layoffs to political shifts—learn what’s changing, what’s at risk, and how to stay ready. 🎙️ Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn explores the realities of government privatization, starting with its historical context—highlighting key successes and drawbacks. She addresses the 2025 mass layoffs and agency restructuring, outlining what federal employees should expect next, including warning signs, at-risk roles, and changes to benefits and retirement. She emphasizes the importance of protecting your career and staying ready for change. Dan then examines how political turmoil is affecting security clearances. He reviews the two 2025 executive orders on clearance policy and explains their implications, including increased political sensitivity, shifting standards, and uncertain appeals processes. He closes with guidance on protecting your clearance and staying prepared. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Union Shifts and Financial Safety Nets for Federal Employees
06/17/2025
The Fed15 Podcast: Union Shifts and Financial Safety Nets for Federal Employees
In this episode, Dan and Katelyn discuss the future of federal employee unions and emergency financial planning, emphasizing the importance of understanding evolving labor policies, staying informed through reliable resources, building a strong financial foundation, and proactively preparing for uncertainty through budgeting, debt management, and alternative income strategies. Articles & Resources Covered If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan breaks down the role of federal employee unions and collective bargaining. He begins with an overview of bargaining and the Federal Service Labor-Management Relations Institute, then examines potential challenges and evolving policies that could impact pay, benefits, and job oversight. He closes by stressing the value of staying informed and turning to trustworthy sources. Then, Katelyn covers emergency financial planning for federal employees. She opens with the basics of building an emergency savings fund, then moves into budgeting effectively, managing debt wisely, and exploring side income options like consulting or freelancing. Throughout, she highlights the importance of getting an early start. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Navigating Agency Defunding and Security Clearance Challenges
06/13/2025
The Fed15 Podcast: Navigating Agency Defunding and Security Clearance Challenges
In this episode, Dan and Katelyn discuss navigating agency defunding and challenging unjust security clearance revocations, emphasizing the importance of understanding your options, federal protections, thorough planning, and maintaining financial security. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn explains the process and implications if your agency experiences defunding. She outlines how defunding occurs, potential impacts, and early indicators to be aware of. She then reviews available options such as early retirement, VSIP, and job transitions. Finally, she covers relevant federal and union protections, along with financial strategies to help maintain your security during this period. Dan explains how to challenge an unjust security clearance revocation through a five-step guide: reviewing the Statement of Reasons (SOR), responding promptly, preparing for the DOHA hearing, hiring qualified professionals, and understanding the process after the hearing. He provides in-depth details on each step and emphasizes the importance of thorough documentation and careful planning. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: What to Do If You’re Facing Termination & Understanding Social Security
06/06/2025
The Fed15 Podcast: What to Do If You’re Facing Termination & Understanding Social Security
In this episode, Dan and Katelyn discuss important career and financial topics for federal employees—including an overview of due process rights in the event of potential termination and a review of current considerations around Social Security and federal retirement benefits. Articles & Resources Covered · . · . If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: In this episode, Dan breaks down what happens when federal employees are fired without cause. He explains due process rights for both probationary and career employees, outlining the key protections each group has. Dan also covers how to navigate the Merit Systems Protection Board (MSPB) if you're facing termination or have received a notice, and shares tips on how to prepare for the unexpected through strategic financial planning. Katelyn follows with a deep dive into the reality of Social Security and federal pensions. She shares updates on the current state of Social Security, the repeal of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), and what to know about Social Security overpayment recovery. Katelyn also discusses the importance of reviewing your federal pension, TSP contributions, Roth IRAs, and managing expenses and debt. She wraps up by stressing the value of being proactive rather than reactive when it comes to retirement planning. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Career Crossroads – In-Office Realities and Private Sector Moves
06/02/2025
The Fed15 Podcast: Career Crossroads – In-Office Realities and Private Sector Moves
In this episode, Dan and Katelyn discuss key career and workplace topics for federal employees—from managing the stress of returning to the office to navigating a transition into the private sector. They offer practical tips, thoughtful insights, and health-focused advice to help federal workers adapt and thrive during periods of change. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn shares practical tips for navigating the stress of returning to in-office work. From acknowledging your emotions to reframing the transition as an opportunity, she offers thoughtful advice to help make the shift smoother—while emphasizing the importance of prioritizing your mental and physical health. Then, Dan dives into a must-hear guide for federal employees exploring private sector careers. He outlines the current federal workforce landscape, breaks down key differences in the public-to-private transition, and offers guidance on identifying the right role and taking strategic steps toward a successful career change. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Navigating Inflation and Uncertainty in Federal Retirement
05/28/2025
The Fed15 Podcast: Navigating Inflation and Uncertainty in Federal Retirement
Dan and Katelyn discuss how federal employees can navigate high inflation and agency disruptions. Katelyn covers protecting retirement investments, including TSP strategies and COLA impacts, while Dan offers guidance on shutdowns, early retirement options, and staying on track with long-term plans Articles & Resources Covered Federal Retirement in a High-Inflation Environment: Protecting Your Investments · What USAID’s Shutdown Means for Federal Employees and Their Financial Futures · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn explores strategies for navigating federal retirement in a high-inflation environment, focusing on ways to protect and grow your investments. She examines the impact of inflation on retirement planning, with specific attention to Social Security and FERS COLA adjustments. Katelyn also covers TSP fund reallocations, rollover investment options, and concludes with key considerations for building a resilient inflation strategy. Dan then addresses the USAID shutdown and offers general guidance relevant to federal employees across various agencies. He underscores the importance of staying focused on essential priorities, securing accurate information, and understanding early retirement options. Dan also discusses breaks in service and offers advice on how to keep retirement plans on track during periods of uncertainty. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Social Security Updates & Shutdown Survival Strategies for Feds
05/22/2025
The Fed15 Podcast: Social Security Updates & Shutdown Survival Strategies for Feds
In this episode, Dan and Katelyn discuss key financial topics affecting federal employees, including the repeal of the WEP and GPO under the Social Security Fairness Act and practical strategies from a Shutdown Survival Guide. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan breaks down the Social Security Fairness Act and the repeal of the WEP and GPO, explaining who is impacted and the average monthly benefit increases they can expect. He also covers retroactive payments, how earning credits and retirement age factor into benefits, and offers insights on Social Security’s long-term stability and potential future changes. Throughout, he emphasizes the importance of staying informed on SSA updates to make sound financial decisions. Katelyn shares a Shutdown Survival Guide as a practical resource for navigating future government shutdowns. She covers key strategies like building an emergency fund, budgeting for uncertainty, exploring hardship withdrawals, and accessing assistance programs. She concludes with lessons learned from past shutdowns to help Feds better prepare moving forward. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Stay or Leave? Evaluating Your Federal Career and Navigating RIF
05/09/2025
The Fed15 Podcast: Stay or Leave? Evaluating Your Federal Career and Navigating RIF
Dan and Katelyn discuss the return-to-work mandate, focusing on key considerations for deciding whether to stay in or leave federal employment. They then transition into a Q&A-style discussion on RIF (Reduction in Force), addressing common and pressing questions. Articles & Resources Covered The Return-to-Work Mandate: Should I Stay or Should I Go? · How to Navigate the Reduction in Force (RIF) Process: Questions & Answers · Life After Reduction in Force (RIF): Know the Rules Around the Reemployment Priority List for Your Agency · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: In response to the return-to-work mandate, Dan explores key factors to consider when deciding whether to stay or leave your job. He covers topics such as feasibility, preserving your benefits, early retirement, and health insurance. Katelyn goes over a Q&A for Reduction in force. She goes over important questions addressing from how to prepare for a RIF, benefits impact, TSP funds, investments, transition opportunities/rehire list, severance pay and pension calculations. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: Navigating Return-to-Office Costs and CFPB Uncertainty
04/30/2025
The Fed15 Podcast: Navigating Return-to-Office Costs and CFPB Uncertainty
In this episode, Dan and Katelyn discuss the financial impact of the return-to-office mandate on federal employees and the uncertain future of the CFPB, emphasizing the importance of strong financial habits and fraud protection. Articles & Resources Covered · · If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn examines the financial impact of the return-to-office mandate on federal employees. She highlights the increased costs associated with commuting, including gas, parking, public transportation, and other related expenses. Katelyn also explores the trade-offs of relocating closer to Washington, D.C., such as higher housing costs, increased taxes, and moving expenses. Additionally, she addresses the broader financial burdens of returning to in-person work, including meals, wardrobe updates, and childcare. Finally, she suggests potential strategies and solutions to help offset these challenges. Dan discusses the role and purpose of the Consumer Financial Protection Bureau (CFPB). He highlights the administration’s efforts to scale back the agency, noting that a federal judge has temporarily blocked these actions. Given the uncertainty surrounding the CFPB’s future, Dan emphasizes the importance of individual financial protection. He outlines key strategies for maintaining strong financial hygiene, such as using secure passwords, being cautious of unsolicited financial communications, enabling fraud alerts, and safeguarding personal information. He concludes by encouraging calm and vigilance in the face of ongoing developments. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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The Fed15 Podcast: 2025 Return-to-Office Mandate and Understanding Federal Retirement Options
04/25/2025
The Fed15 Podcast: 2025 Return-to-Office Mandate and Understanding Federal Retirement Options
In this episode, Dan and Katelyn break down the 2025 federal return-to-office mandate—what it means for federal employees and how to adapt. They also dive into the various federal retirement options, including Normal, Deferred, Postponed, and Reduced Retirement, as well as VERA and DSR—explaining eligibility, benefits, and the key differences between them. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn explores the 2025 federal return-to-office mandate, providing a clear overview of what it means for federal employees. She outlines strategies for adapting to new work schedules, maintaining work-life balance, and successfully reintegrating into office culture. Katelyn also emphasizes the importance of staying flexible as workplace policies continue to evolve. Later, Dan joins Katelyn for an in-depth conversation about the various types of federal retirement. Together, they break down each option—normal, deferred, postponed, reduced retirement, as well as VERA (Voluntary Early Retirement Authority) and DSR (Discontinued Service Retirement). They cover eligibility requirements, key differences, and how each path impacts employee benefits. ***DISCLAIMER – THIS IS NOT FINANCIAL ADVICE*** The Fed15 podcast is presented by Serving Those Who Serve, a financial planning practice serving federal government employees and retirees all over the country. This podcast is presented for information and entertainment only and is not intended to be taken as financial advice. All listeners should consult their personal advisors before taking any action. The opinions expressed therein are not the opinions of Raymond James or Serving Those Who Serve. Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. There is no assurance any of the trends mentioned will continue or forecasts will occur. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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