Serving Those Who Serve

Serving Those Who Serve Our exclusive focus is serving the dedicated men and women who form the Federal workforce. In 1989 we saw a need.

The financial services industry did not offer customized planning for active and retired Federal employees. As a career Fed, you are part of a unique group. Traditionally your employee benefits have been the gold standard, however the combined handbooks covering your benefits span hundreds of pages. Moreover, these benefits are continually being revised. Our team of trained advisors can help you n

avigate the special opportunities that the Federal benefits afford. From your TSP to your disability and Long Term Care insurance, we will provide guidance. You have acquired the exceptional knowledge and skills to faithfully serve the public trust. Shouldn't your advisory team make the same commitment to you? Important Disclosure Information: http://raymondjames.com/smicd.htm

Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC”

Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Serving Those Who Serve is not a registered broker/dealer and is independent of Raymond James Financial Services.

If you’re in your early 60s, there have been recent changes to catch-up contribution provisions that may allow for incre...
06/06/2026

If you’re in your early 60s, there have been recent changes to catch-up contribution provisions that may allow for increased savings opportunities.

The SECURE 2.0 catch-up contributions age 60–63 provision may allow eligible Feds to potentially contribute more than the standard age 50+ limits for a limited window. It doesn’t last long, but it can make a real difference in how your retirement comes together.

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If you’re in your early 60s, there have been recent changes to catch-up contribution provisions that may a

Many individuals own IRAs. IRA means one of three things, namely: (1) Individual Retirement Arrangement; (2) Individual ...
06/05/2026

Many individuals own IRAs. IRA means one of three things, namely: (1) Individual Retirement Arrangement; (2) Individual Retirement Account; or (3) Individual Retirement Annuity. When most individuals hear IRA, they think of an Individual Retirement Account, which is a personal retirement savings account that offers tax benefits and a range of investments.

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Many individuals own IRAs. IRA means one of three things, namely: (1) Individual Retirement Arrangement; (2)

Federal employees rarely react to early budget signals. This year feels different.The White House budget blueprint did n...
06/04/2026

Federal employees rarely react to early budget signals. This year feels different.

The White House budget blueprint did not include a civilian raise. House appropriators also left out a federal civilian pay increase from the 2027 spending bill. A Democratic amendment proposing a 3.1% raise failed in committee. That combination pushed the idea of a 2027 federal employee pay freeze into everyday conversation across agencies.

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Federal employees rarely react to early budget signals. This year feels different. The White House budget

The Free Application for Federal Student Aid (FAFSA) now uses the Student Aid Index (SAI), replacing the long-standing E...
06/02/2026

The Free Application for Federal Student Aid (FAFSA) now uses the Student Aid Index (SAI), replacing the long-standing Expected Family Contribution (EFC). The goal remains the same — measure a family’s ability to pay for college — but the calculation has changed in ways that can affect eligibility.

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The Free Application for Federal Student Aid (FAFSA) now uses the Student Aid Index (SAI), replacing the

🔊 In this episode, Jen and Dan go over managing taxes as income stacks up in retirement and whether heavy reliance on U....
05/22/2026

🔊 In this episode, Jen and Dan go over managing taxes as income stacks up in retirement and whether heavy reliance on U.S. stocks in the TSP adds unnecessary risk. They cover how to avoid tax surprises through proper withholding and how international diversification through the TSP I Fund may help balance long-term portfolio risk.

Listen now:

In this episode, Jen and Dan go over managing taxes as income stacks up in retirement and whether heavy

Delaying Social Security past full retirement age (FRA) increases your benefit through delayed retirement credits — gene...
05/20/2026

Delaying Social Security past full retirement age (FRA) increases your benefit through delayed retirement credits — generally about 8% per year up to age 70. That can translate into significantly higher lifetime income and stronger protection for a surviving spouse.

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Delaying Social Security past full retirement age (FRA) increases your benefit through delayed retirement

When you separate from federal service, your retirement benefits are income diversified thanks to the Federal Employees ...
05/18/2026

When you separate from federal service, your retirement benefits are income diversified thanks to the Federal Employees Retirement System and its three “stool legs” of the Basic Benefit, Thrift Savings Plan (TSP), and Social Security distributions.

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When you separate from federal service, your retirement benefits are income diversified thanks to the Federal

Long-term care does not just mean a nursing home. It often starts with help at home, moves to assisted living, and in so...
05/15/2026

Long-term care does not just mean a nursing home. It often starts with help at home, moves to assisted living, and in some cases, includes skilled nursing care.

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Long-term care does not just mean a nursing home. It often starts with help at home, moves to assisted living,

Your salary and benefits are likely excellent as a mid-career fed. However, the chances are pretty good that you don’t h...
05/13/2026

Your salary and benefits are likely excellent as a mid-career fed. However, the chances are pretty good that you don’t have buckets of cash available to pay for your child’s college career.

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Your salary and benefits are likely excellent as a mid-career fed. However, the chances are pretty good that

Trump accounts are a new type of custodial-style traditional IRA for minor children. The accounts are owned by a child b...
05/11/2026

Trump accounts are a new type of custodial-style traditional IRA for minor children. The accounts are owned by a child but administered by an adult. They are set to launch on July 4,2026 under provisions of the One Big Beautiful Bill Act (OBBBA) of 2025. This column presents information on Trump Accounts including how they work, who can contribute, and how they can be invested.

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Trump accounts are a new type of custodial-style traditional IRA for minor children. The accounts are owned by

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