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: 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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The Fed15 Podcast: Understanding your first RMD + What to Know About Discontinued Service Retirement (DSR)
04/16/2025
The Fed15 Podcast: Understanding your first RMD + What to Know About Discontinued Service Retirement (DSR)
In this episode, Dan and Katelyn dive into RMDs—when to take them, why they matter, and how to avoid penalties—and explain Discontinued Service Retirement (DSR), including who qualifies and what to expect if facing early separation. Tune in for helpful information on navigating these retirement milestones. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn breaks down what a Required Minimum Distribution (RMD) is, why it exists, and how it impacts your retirement strategy. She explains the option to delay your first RMD until April 1st of the year after you turn 73—and why, for tax reasons, it may be smarter to take it in the year you turn 73. Katelyn also covers the penalties for missing your RMD deadline, key caveats to be aware of, and best practices for staying on track. Dan unpacks Discontinued Service Retirement (DSR), explaining what it is and the eligibility requirements for both FERS and CSRS employees, including situations like a RIF or position abolishment. He outlines OPM’s role in the process and covers key factors such as annuity calculations, survivor benefits, and continued health insurance coverage. Dan also shares important considerations around FEHB options, reemployment rules, and what federal employees should keep in mind when facing early separation. ***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: The Fed15 Podcast: Navigating FEDVIP and Securing Federal Benefits in the Quantum Age
04/11/2025
The Fed15 Podcast: The Fed15 Podcast: Navigating FEDVIP and Securing Federal Benefits in the Quantum Age
In this episode, Dan and Katelyn dive into FEDVIP coverage, premiums, and retirement benefits. They also share tips on protecting federal benefits from quantum threats, including securing financial accounts and estate planning in the digital age. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan provides an overview of FEDVIP, explaining the various coverage options and the process for signing up. He highlights how premiums work and the use of pre-tax dollar contributions. Additionally, he discusses how coverage continues after retirement and touches on the FSA/HSA options available for vision care. He also goes over eligibility requirements and the associated benefits. Next, Katelyn addresses the importance of protecting federal benefits from quantum threats. She shares best practices for safeguarding financial accounts like the TSP, such as using a password manager to create unique and complex passwords. Katelyn emphasizes the significance of enabling multi-factor authentication and regularly monitoring accounts and statements to quickly detect or prevent fraud. She concludes by discussing estate planning in the quantum age ***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 Federal Workforce Challenges – VSIPs, VERA, RIFs, and Employee Rights
04/02/2025
The Fed15 Podcast: Navigating Federal Workforce Challenges – VSIPs, VERA, RIFs, and Employee Rights
In this episode, Dan and Katelyn engage in a Q&A with Alan Lescht, founder and managing shareholder of Alan Lescht & Associates, P.C. As a DC employment attorney, Alan brings his expertise to the discussion, offering a professional perspective on the current state of the federal government, including insights on workforce downsizing and other pressing issues. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan and Katelyn sit down with Alan Lescht to discuss the most pressing issues affecting federal employees today. In this conversation, they explore topics like "fork in the road" offers, VSIPs, VERA, RIFs, and more, while also addressing the rights federal workers have when facing downsizing or job elimination. Additionally, they delve into the timelines for federal employees being placed on leave or removed from their positions, touching on MSPB processes and the types of cases involved. ***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: Roth TSP vs Traditional TSP & Crypto in Estate Planning
03/31/2025
The Fed15 Podcast: Roth TSP vs Traditional TSP & Crypto in Estate Planning
Dan and Katelyn discuss Roth TSPs, comparing them to Traditional TSPs and clarifying misconceptions about taxes, employer matches, and RMDs. They then cover key considerations for including cryptocurrency in estate planning, such as inventory, beneficiaries, and legal frameworks. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan begins by addressing common misconceptions about Roth TSPs, clarifying key points. He highlights the similarities between Roth and Traditional TSPs, particularly focusing on contribution limits and investment options. Then, he explores their key differences, tackling misconceptions around taxation, employer matches, and Required Minimum Distributions (RMDs). Dan also discusses the role of Roth TSPs in estate planning. Next, Katelyn covers the topic of cryptocurrency within estate planning. She outlines the essential documents required for estate planning in general, then delves into specific considerations when incorporating crypto, such as maintaining a crypto inventory, designating beneficiaries, providing a guide of instructions, and addressing state and federal legal frameworks that must be considered. ***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: The Fed15 Podcast: ESG Investing & RMD Withdrawal Strategies
03/21/2025
The Fed15 Podcast: The Fed15 Podcast: ESG Investing & RMD Withdrawal Strategies
Dan and Katelyn discuss ESG investing, highlighting its benefits and offering key steps to consider for those interested in incorporating it into their portfolio. They then explore RMD withdrawal strategies, focusing on how to leverage tools like QCDs and Roth conversions. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn discusses ESG (Environmental, Social, and Governance) investing, starting with the appeal of sustainable investing. She then explores the benefits of this investment approach, highlighting ESG options available to federal employees, including the TSP mutual fund window and associated fees. Beyond the TSP, she covers the flexibility of incorporating ESG mutual funds within IRAs. Finally, she provides actionable steps and key considerations for building a green portfolio. Dan covers withdrawal strategies for RMDs, emphasizing the benefits of timing these withdrawals strategically and utilizing QCDs. He also discusses the advantages of Roth conversions. Dan provides updates on recent tax laws, highlighting the benefits of converting before expiry date, and covers the Secure Act 2.0. Finally, he stresses the importance of reviewing your TSP contributions and leveraging catch-up contributions for those who qualify. ***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 Working Abroad, International Marriages, and HSAs for Federal Employees
03/11/2025
The Fed15 Podcast: Navigating Working Abroad, International Marriages, and HSAs for Federal Employees
Katelyn covers the Social Security Fairness Act, which repeals the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), impacting Social Security benefits for CSRS and CSRS Offset employees. She also discusses life after a reduction in force, focusing on the Reemployment Priority List (RPL) as a pathway back into the federal workforce. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn discusses the Social Security Fairness Act signed into law on January 5th, which repeals the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), affecting CSRS and CSRS Offset employees. She explains how these provisions previously impacted benefits and how their repeal will benefit affected employees. Katelyn also covers the average monthly increase in Social Security benefits, the implementation timeline, and the importance of updating personal information, such as mailing address and direct deposit, on the Social Security website or by filing online. Katelyn then discusses life after a reduction in force, focusing on the Reemployment Priority List (RPL). She explains how RPL offers a pathway back into the federal workforce and clarifies that it’s not directly tied to fork-in-the-road offers, deferred resignation offers, or VERA. Katelyn covers eligibility requirements, the application process, limitations, qualification criteria, and factors that could end eligibility. ***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 Fairness & Understanding the Reemployment Priority List (RPL)
03/05/2025
The Fed15 Podcast: Social Security Fairness & Understanding the Reemployment Priority List (RPL)
Katelyn covers the Social Security Fairness Act, which repeals the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), impacting Social Security benefits for CSRS and CSRS Offset employees. She also discusses life after a reduction in force, focusing on the Reemployment Priority List (RPL) as a pathway back into the federal workforce. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn discusses the Social Security Fairness Act signed into law on January 5th, which repeals the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), affecting CSRS and CSRS Offset employees. She explains how these provisions previously impacted benefits and how their repeal will benefit affected employees. Katelyn also covers the average monthly increase in Social Security benefits, the implementation timeline, and the importance of updating personal information, such as mailing address and direct deposit, on the Social Security website or by filing online. Katelyn then discusses life after a reduction in force, focusing on the Reemployment Priority List (RPL). She explains how RPL offers a pathway back into the federal workforce and clarifies that it’s not directly tied to fork-in-the-road offers, deferred resignation offers, or VERA. Katelyn covers eligibility requirements, the application process, limitations, qualification criteria, and factors that could end eligibility. ***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 Contribution Limits and 2026 Pay Raise Updates
02/28/2025
The Fed15 Podcast: 2025 Contribution Limits and 2026 Pay Raise Updates
Dan and Katelyn discuss the 2025 contribution limits for TSPs, HSAs, and FSAs, offering insights into the key updates. They also cover the proposed 2026 pay raise, providing an overview of the rationale behind the increase and its potential impact. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan discusses the 2025 contribution limits for key accounts, starting with the newly updated TSP contribution limits. He emphasizes the importance of calculating contributions across all pay periods to ensure employees receive the full match. He then delves into the new HSA contribution limits for individuals and families, highlighting the key features of HSAs. Lastly, Dan provides an overview of the updated FSA contribution limits and offers a general explanation of these types of accounts. Katelyn covers the proposed 2026 pay raise, highlighting the lawmakers’ plan to grant federal employees a 4.3% wage increase and the rationale behind it. She explains how higher wages translate into increased retirement benefits and underscores the importance of strategically planning how this pay raise aligns with long-term retirement goals. ***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: Managing Breaks in Service and Extending Time Off
02/18/2025
The Fed15 Podcast: Managing Breaks in Service and Extending Time Off
Dan and Katelyn discuss managing breaks in federal service, covering TSP mobility, rollovers, and the importance of keeping personnel files. They highlight continuing retirement savings after transitioning to the private sector and the importance of maintaining your FERS balance. They also share tips for extending time off with federal holidays while balancing workload and well-being. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn talks about breaks in federal service. She first goes over TSP mobility related info. She first discusses what leaving the funds in your TSP entails, then discusses rollovers to traditional IRAs, Roth IRAs and 401Ks discussing pros and cons. She discusses the importance of keeping a copy of your personnel files especially when returning to federal service is a possibility. Then she highlights the importance of continuing retirement saving after making the transition to private sector. Lastly, she touches on FERS Balance and not tempering with it. Dan discusses how to extend your time off by leveraging federal holidays, therefore reducing amount of PTO being used. He gives examples centered around Juneteenth, Thanksgiving and Christmas. He highlights the importance of balancing this out with your workload, flexibility, leveraging Telework and strategically planning early to take care of your well-being. ***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: Special Needs Planning & Executive Orders Impacting Federal Employees
02/11/2025
The Fed15 Podcast: Special Needs Planning & Executive Orders Impacting Federal Employees
Dan and Katelyn discuss special needs planning for federal families alongside the initial five executive orders recently released. They provide a thorough exploration of both topics as they relate to federal employees, carefully examining the functionalities, implications, and key considerations involved. Top of Form Bottom of Form If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan provides a comprehensive overview of special needs trust planning, specifically tailored for federal families. He discusses supplemental social insurance, outlining the eligibility criteria and how Medicaid fits into the picture. He then delves into the three primary types of special needs trusts, explaining their purposes, functionalities, and potential implications. Dan stresses the critical importance of consulting with experts, such as attorneys and CPAs, particularly when dealing with complex tax or eligibility concerns. Katelyn covers the five key executive orders recently issued. She explains the mandate for a return to in-person work, the overhaul of the federal hiring process, the hiring freeze, policy influencing positions, and career senior executives. Katelyn provides an in-depth analysis of what these executive orders entail and explores the potential implications they may have on federal policies and operations. ***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 TSP Loans and Caregiver Resources for Federal Employees
02/05/2025
The Fed15 Podcast: Navigating TSP Loans and Caregiver Resources for Federal Employees
Dan and Katelyn cover key TSP loan information, highlighting important details federal employees need to be aware of. They also discuss relevant policies, benefits, and resources that every caregiver should know about, providing valuable insights to help navigate both financial and caregiving responsibilities. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn reviews TSP loan options, starting with an overview of general purpose and residential loans. She explains their specific uses, eligibility requirements, and the qualifications needed to apply. Katelyn then outlines the repayment process, including details on the minimum and maximum loan amounts available. To wrap up, she discusses the pros and cons of each loan type, helping to clarify the benefits and potential drawbacks. Dan discusses caregiving for federal employees, focusing on available flexibilities and resources. He covers leave policies such as FMLA, sick leave for family care, annual leave, and the Voluntary Leave Transfer Program, detailing their uses and eligibility. He also touches on additional resources like EAPS, FLTCIP, and community and state support programs. Finally, Dan highlights TSP planning, tax credits, and the value of open communication ***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 Side Gigs & Strategic Retirement Dates for Federal Employees
01/29/2025
The Fed15 Podcast: Navigating Side Gigs & Strategic Retirement Dates for Federal Employees
Dan and Katelyn dive into the topic of federal employees taking on side gigs, discussing important considerations such as rules, regulations, compliance, taxes, deductions, and contributions. They also examine the best retirement dates between 2025 and 2030, offering insights into the rationale behind these optimal retirement windows. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan discusses key considerations for federal employees thinking about taking on a side gig. He covers some important rules and regulations that govern outside employment, helping employees stay compliant with federal guidelines. He also explains how additional income can impact taxes, deductions, TSP contributions, and the potential use of Roth IRAs or SEP IRAs. Dan emphasizes the importance of checking your department's specific policies to avoid conflicts of interest and prevent future issues. Katelyn explores the best times to retire, focusing on two key factors for FERS employees: the timing within the pay period and the optimal time of the month for pension calculations. She also explains the significance of Saturdays in this context and shares ideal retirement dates between 2025 and 2030. Katelyn addresses common income concerns and explains why December 31st is a popular retirement date among federal 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: Aging in Place and Finding Fulfillment in Retirement
01/21/2025
The Fed15 Podcast: Aging in Place and Finding Fulfillment in Retirement
Dan and Katelyn explore the concept of aging in place, highlighting its benefits, such as staying in a familiar environment and maintaining strong connections within the community. They also discuss strategies for managing the associated costs, including available resources and financial options. Transitioning to life after retirement, they focus on fulfilling opportunities like volunteer work or transitioning into the private sector. Emphasizing the importance of early planning, they stress that thoughtful preparation ensures a smooth transition and a meaningful, active retirement. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Dan emphasizes the benefits of aging in place, highlighting how staying in familiar environments allows individuals to maintain connections with friends, family, and community while also benefiting from cost savings. He covers key considerations for making this possible, such as home modifications and the integration of technology. Additionally, Dan discusses various resources—like FEHB, FSA, TSP, and VA benefits—that can help cover these costs. He concludes by stressing the importance of early planning and consulting with professionals to ensure a smooth transition into aging in place. Katelyn explores the fulfilling possibilities of life in retirement, stressing the significance of planning for this new phase to find purpose and meaning. She discusses various avenues for staying engaged, including volunteer opportunities such as joining local government boards or participating in crisis response teams. Katelyn also highlights the option of transitioning into the private sector, where retirees can leverage their government experience in roles like consulting, teaching, or subject matter expertise. Ultimately, she emphasizes the positive impact of maintaining a sense of fulfillment and staying connected for both personal wellbeing and overall life satisfaction in retirement. ***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: Can Federal Employees Be Successful Expats? Plus, TSP Contribution Pitfalls
01/14/2025
The Fed15 Podcast: Can Federal Employees Be Successful Expats? Plus, TSP Contribution Pitfalls
Dan and Katelyn explore the possibilities and key considerations for federal employees interested in working remotely from overseas. They cover benefits, healthcare, and taxes. Additionally, they discuss the common pitfall of contributing your full TSP limit too early in the year, which could result in missing out on significant matches and not fully maximizing your TSP contributions. If you’d like to meet with an STWS advisor, pick a spot on our calendar here: Register for Webinars: Katelyn discusses key considerations for federal employees interested in remote work abroad or adopting a nomadic lifestyle. She covers essential topics such as payments, healthcare coverage (including FEHB and Medicare), affordability, and tax implications. She also highlights the importance of consulting financial professionals when planning an expat lifestyle. Finally, she addresses Social Security benefits and stresses the need for thorough research before making this transition. Dan explains the importance of making contributions every pay period to receive the full TSP match. He highlights how contributing the full limit too early in the year can cause you to miss out on these matches. Dan shares helpful tools and resources to track your contributions and emphasizes the need to monitor and adjust to maximize TSP growth. Finally, he provides tips for optimizing your contributions throughout the year. ***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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