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Author: STWS

Articles written by guest contributors, quizzes, and podcasts.
FEDLIFE FEDZONE Podcast

Top 5 FEDLIFE: Most Popular Podcasts in 2020

Dec 29, 2020 STWS

We celebrate the end of the year with our Top 5 “Most-Listened-To” Podcasts in 2020

FEDLIFE FEDZONE Podcast

FedLife Podcast: Best Ways to Manage Your Medical Expenses

Dec 18, 2020 STWS

In this episode, Dan Sipe and Ed Zurndorfer continue to assist feds in choosing the right healthcare plan for 2021. They decode and demystify health savings accounts (HSA), health reimbursement…

FEDLIFE FEDZONE Podcast

The FedLife Podcast: How to Match Healthcare Needs to the Right Plan

Dec 9, 2020 STWS

The health insurance plan that you choose needs to have a purpose. After all, insurance is just the transfer of risk. Hence, it’s important to calculate that risk based on…

FEDLIFE FEDZONE Podcast

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.

FEDLIFE FEDZONE Podcast

FedLife Podcast: 2021 COLA, plus FEHB Open Season Information

Nov 9, 2020 STWS

In this episode, Dan Sipe and Ed Zurndorfer discuss the effect of the 2021 Cost of Living Adjustment (COLA) for federal employees and the upcoming federal benefits open season

FEDLIFE FEDZONE Podcast

FEDLIFE Podcast- Ep. 35: The Different Applications of Life Insurance

Oct 13, 2020 STWS

Join this episode as Dan Sipe and Ed Zurndorfer discuss the tax treatment of term life insurance, mentioning that while it has no cash value, it has several death benefits.

Newsletters and Quizzes

Serving Those Who Serve’s Quarterly Newsletter- October 2020

Oct 2, 2020 STWS

Serving Those Who Serve's Quarterly Newsletter for Q3 2020

FEDLIFE FEDZONE Podcast

FEDLIFE Podcast Ep. 34: Pros and Cons of Payroll Tax Deferral

Sep 25, 2020 STWS

In this episode, Dan Sipe and Ed Zurndorfer break down everything you need to know in regards to this tax deferral, and what this could mean once the deferral runs…

FEDLIFE FEDZONE Podcast

FEDLIFE Podcast- Ep. 33: Mid-Career Financial Planning for Feds

Sep 14, 2020 STWS

Pre-retirement begins a lot earlier than you might think—are you and your finances prepared?

FEDLIFE FEDZONE Podcast

FedLife Podcast: A Mid-Career Review of Your Thrift Savings Plan’s Account

Aug 28, 2020 STWS

A Mid-Career Review of Your TSP with Ed Zurndorfer and Dan Sipe

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Fedlife Podcast
https://youtu.be/hRk3MybMmdc
Recent Posts
  • Initial Prediction for 2026 COLA: 2.5%—What Federal Retirees Need to Know
  • When Your Spouse Is Private Sector: Coordinating Mixed-Retirement Household Planning
  • The Fed15 Podcast: Maximizing Discounts & Planning for Your Child’s Education
  • The Fed15 Podcast: 2025 IRMAA Brackets & TSP Contribution Limits Explained.
  • Understanding the Problematic Consequences of Roth IRA Conversions 
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Tax Planning with Ed Zurndorfer
Tax Planning with Ed Zurndorfer
January 9, 2025
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Understanding Your Federal Retirement Benefits: CSRS
January 15, 2025
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January 22, 2025
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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.

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2024 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 upon the period from 3/31/2022 to 3/31/2023 and was released on 01/09/2024. Advisor teams that are considered must have one advisor with a minimum of seven years of experience, have been in existence as a team for at least one year, have at least 5 team members, and have been nominated by their firm. The algorithm weights 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 10,100 team nominations, 4,100 advisor teams received the award based on thresholds. 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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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”).