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fedzone

The FEDZONE

Employees to Pay for Child and Adult Day Care Expenses By Using DCFSA

Nov 27, 2020 Ed Zurndorfer

FSA funds for adult and child daycare- Ed explains the rules

Federal Agency News

Boeing Gets Thumbs Up from FAA to Use 737-Max Airplanes Again

Nov 25, 2020 Benefits Ben

Grounded since 2019, the FAA approves Boeing’s 737-Max Airplanes for Flight

Federal Employee Benefits

Proposed Pay Freeze for 2021

Nov 24, 2020 Jennifer Meyer

Pay Raise Uncertain for 2021 as talks about a Pay Freeze pop up in Congress

The FEDZONE

An HCFSA Can Help Reduce an Employee’s Out-of-Pocket Medical Expenses

Nov 23, 2020 Ed Zurndorfer

Health Care Flexible Spending Accounts Help Pay Out-of-Pocket Medical, Dental and Vision Expenses in a Tax-Preferential Way

Federal Agency News

USPS News: 2020 Fiscal Year Report, the Coronavirus, and the Election

Nov 20, 2020 Benefits Ben

Posting a 2020 Fiscal Year Loss of $9.2 billion, the USPS has been hit by the Coronavirus, and was a major player in the recent presidential election

The FEDZONE

HSA: Tax-Efficient Ways for Paying Medical Expenses

Nov 17, 2020 Ed Zurndorfer

Health Savings Accounts and Health Reimbursement Accounts Are a Tax-Efficient Way for Paying Medical Expenses

Federal Employee Benefits

Medicare Premiums Announced for 2021

Nov 16, 2020 Jennifer Meyer

Medicare Premiums for 2021 have been announced, STWS advisor Jennifer Meyer, CFP, explains what this means for feds.

FEDLIFE Podcast The FEDZONE

FedLife Podcast: Choosing the FEHB Plan that is Best for You and Your Family

Nov 13, 2020 STWS

In this episode, Dan Sipe and Ed Zurndorfer, discuss the six major health plans to help you make the best decision for yourself during this open season.

Federal Employee Benefits

Biden Wins Election, What This Means for the 2021 Federal Pay Raise

Nov 12, 2020 Benefits Ben

The reluctance of Trump to concede, and the projection of a Biden win, leaves 2021 Federal Pay Raise up in the air.

The FEDZONE

Federal Employee Dental and Vision Insurance Plan Choices

Nov 11, 2020 Ed Zurndorfer

Ed Zurndorfer explains the Dental and Vision Insurance Plan Choices to Federal Employees

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Fedlife Podcast
https://youtu.be/hRk3MybMmdc
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  • Digging Beneath the Headlines: The Truth About Social Security and Federal Pensions
Upcoming Webinars
TSP Planning With Ed Zurndorfer
TSP Planning With Ed Zurndorfer
22 May 25
Tax Planning with Ed Zurndorfer
Tax Planning with Ed Zurndorfer
28 May 25
Early Retirement Planning (RIFs, VERA, VSIP, Discontinued Service Retirement, and more) for FERS Employees
Early Retirement Planning (RIFs, VERA, VSIP, Discontinued Service Retirement, and more) for FERS Employees
28 May 25
Understanding Your Federal Retirement Benefits: FERS
Understanding Your Federal Retirement Benefits: FERS
4 Jun 25
Tax Planning with Ed Zurndorfer
Tax Planning with Ed Zurndorfer
5 Jun 25
Estate Planning for Federal Employees
Estate Planning for Federal Employees
10 Jun 25

Checkbook’s FEHB comparison tool lets you easily compare 158 FEHB plans and helps instruct how Medicare Part B will integrate with your FEHB plan.

USE CODE “stwserve” FOR A 20% DISCOUNT for the Guide to Health Plans for Federal Employees

*Consumer’s Checkbook not sponsored or endorsed by Raymond James, and should in no way be considered an endorsement of, referral to, recommendation for, or offer to purchase any product or service from Raymond James or the Financial Advisors.

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Rockville MD 20850-3239

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Lee Sipe and Associates DBA Serving Those Who Serve.

2025 Forbes Best-in-State Wealth Management Teams

Best-In-StateWealth Management Teamsis based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. This ranking is based is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. This ranking is based upon the period from 6/30/2023 to 6/30/2024 and was released on 4/8/2025. Those advisors that are considered have a minimum of seven years of experience, and the algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of approximately 48,944 nominations, roughly 9,722 advisors received the award. This ranking is not indicative of an advisor's future performance, is not an endorsement, and may not be representative of individual clients' experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Compensation provided for using the rating. Raymond James is not affiliated with Forbes or Shook Research, LLC.

Please see https://www.forbes.com/lists/wealth-management-teams-best-in-state/ for more info.

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

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, marketed as Serving Those Who Serve (STWS). Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Serving Those Who Serve (STWS) is separately owned and operated and not independently registered as a broker-dealer or investment adviser. Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Contact our office for information and availability.

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Check the background of this firm on FINRA’s BrokerCheck

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SIPC

STWS is owned and operated by Daniel Sipe and Tom Lee (the “Financial Advisors”). The Financial Advisors are registered financial professionals of Raymond James Financial Services, Inc. (“RJFS”), a broker-dealer registered with the Securities and Exchange Commission (“SEC”), and Raymond James Financial Services Advisors, Inc. (“RJFSA”), an investment adviser registered with the SEC, (collectively, with their affiliates, “Raymond James”).

Mr. Zurndorfer does not pay compensation to or receive compensation from STWS in connection with Presentations hosted by Mr. Zurndorfer. However, Mr. Zurndorfer does provide similar educational presentations at certain Federal Retirement Benefits Seminars (“Seminars”) hosted by STWS, for which Mr. Zurndorfer receives compensation from STWS. All presentations, seminars, articles and videos are informational in nature and are not geared toward the circumstances or goals of any particular attendee; they are not intended to be, and should not be relied upon as, investment advice to anyone or a solicitation of Raymond James' services.

Mr. Zurndorfer is not affiliated with Raymond James, and is not authorized to provide investment advice on behalf of Raymond James, to solicit or refer investors to Raymond James, or to act for or bind Raymond James. The presentations, seminars, articles, videos, Mr. Zurndorfer, and the educational information provided therein are not sponsored or endorsed by Raymond James, and should in no way be considered an endorsement of, referral to, recommendation for, or offer to purchase any product or service from Raymond James or the Financial Advisors.

Federal government agencies, including the SEC, do not endorse or sponsor particular securities, issuers, products, services, professional credentials, firms, or individuals. Neither Raymond James, the Financial Advisors, STWS, nor Mr. Zurndorfer are affiliated with, endorsed by, or authorized to speak on behalf of the U.S. Government, the Federal Employee Retirement System, or any other Federal Government-sponsored benefits programs or retirement plans, including the Thrift Savings Plan (collectively, “Federal Benefits Plans”).