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Serving Those Who Serve

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Serving Those Who Serve

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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 navigate 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.

11/02/2026

: In this episode of The Fed15 Podcast, Katelyn reflects on Dolly Parton’s legacy of generosity and how wealth can create opportunities for others, while Dan explains how the TSP I Fund provides international stock exposure and why understanding its benchmark matters.

Listen here:

Katelyn reflects on Dolly Parton’s legacy of generosity and how wealth can create opportunities for others, while Dan explains how the TSP I Fund provides international stock exposure and why understanding its benchmark matters.

10/30/2026

Confirmation bias can lead us to favor information that supports what we already believe, while anchoring bias can cause an initial number or idea to exert more influence than subsequent information that might be more pertinent. Both can be especially relevant for federal employees navigating retirement ages, TSP balances, pension estimates, Social Security decisions, and the countless rules of thumb surrounding federal retirement planning.

Read more:

10/28/2026

💰 How much of your federal retirement income will you actually keep?

From your federal annuity and Thrift Savings Plan (TSP) withdrawals to Social Security benefits and state taxes, understanding how your retirement income is taxed can help you plan for the future and avoid costly surprises.

Join Serving Those Who Serve and federal benefits specialist Ed Zurndorfer for a complimentary webinar exploring the tax considerations that federal employees and retirees should understand as they prepare for and navigate retirement.

📅 Wednesday, November 4, 2026
🕚 11 a.m. – 2 p.m. ET
💻 Live Online Webinar via Zoom

Whether you're approaching retirement or already enjoying it, gain valuable insights to help you make more informed decisions about your retirement income.

👉 Register today: https://www.stwserve.com/webinars-and-seminars/webinars-for-federal-employees/tax-planning-with-ed-zurndorfer-7/

Unsure how your annuity, TSP withdrawals, Social Security income, and state taxes affect what you actually keep? This session breaks down how federal retirement income is taxed so you can avoid costly surprises.

10/26/2026

Are you making the most of your federal health benefits?

Understanding how the Federal Employees Health Benefits (FEHB) Program and Medicare work together is an important part of planning for retirement.

Join Serving Those Who Serve for a complimentary FEHB & Medicare webinar designed to help federal employees and retirees better understand their coverage options and make informed decisions about their healthcare benefits.

📅 October 28, 2026
🕚 10:30 a.m. to 2:30 p.m. ET
💻 Live Online Webinar

Whether you're approaching retirement or already retired, gain valuable insights to help you navigate FEHB, Medicare, and the decisions that may affect your healthcare coverage.

👉 Reserve your spot today: https://www.stwserve.com/webinars-and-seminars/webinars-for-federal-employees/understanding-your-fehb-medicare-benefits-7/

Confused about how FEHB, Medicare, and dental & vision coverage work once you retire? This session explains your options, costs, and how these choices affect your overall federal retirement plan.

10/23/2026

Throughout this series, we’ve explored several ways our psychology can influence financial behavior: present bias, mental accounting, and loss aversion. Each affects a different part of the decision-making process: how we value the future, how we categorize money, and how we respond to potential and perceived losses.

In this final installment, we’re examining the way we process information through the lens of confirmation bias and anchoring bias.

Read on:

10/21/2026

Federal retirees who have enrolled in Medicare may have to pay more for their Medicare Part B (medical insurance) and Medicare Part D (prescription drug coverage) monthly premiums. Any individual enrolled in Medicare (a Medicare “beneficiary”) whose income is above a certain level may have to pay an Income-Related Monthly Adjustment Amount (IRMAA) in addition to the standard Medicare Part B and Medicare Part D monthly premium.

Read more:

10/19/2026

: The Fed15 Podcast | Ep. 169: The TSP C Fund and Understanding Interim Payments

Katelyn breaks down how the TSP C Fund tracks the S&P 500 and how market capitalization weighting gives larger companies a greater influence on its performance. She also discusses concentration risk, changing market leadership, and factors to consider when determining how the C Fund fits into an overall TSP allocation.

Then, Dan explains what interim retirement payments are, why OPM uses them while processing retirement claims, and why they may be lower than a retiree’s eventual monthly annuity. He also discusses what OPM reviews before finalizing a retirement benefit and why retirees may want to prepare for a temporary reduction in income during the transition.

Listen now:

Katelyn and Dan discuss how the TSP C Fund tracks the S&P 500 and why understanding its market capitalization weighting matters, along with what federal retirees should know about interim payments while OPM processes their retirement claims.

10/14/2026

In the first two installments of FinPsych for Feds, we looked at how we discount the value of the future (present bias) and how we mentally organize our money (mental accounting). Now we turn to another powerful influence on financial behavior: our reaction to loss.

Read more:

10/12/2026

Most retirees want to use every dollar of income they receive. While that extra dollar in income will likely be taxable, an extra dollar of income can trigger thousands of dollars in surprise Medicare Part B and Medicare Part D monthly premium charges. Financial professionals have a name for this additional monthly premium charge: Income Related Monthly Adjustment Amount or IRMAA.

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Address

Rockville, MD

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+13012161167

Website

http://www.stwserve.com/

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