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FERS

The Federal Employee Retirement System (FERS) is a defined benefit plan that was established in the 1980s. Eligible federal employees who were hired in 1984 or later are entitled to a FERS pension in retirement.

All Articles on FERS (20 of 26)

Image for The Fed-Life Cycle
Mar 29
Jennifer Meyer

The Fed-Life Cycle

CSRS FERS TSP
Image for The Strategic Leg® – Planning for a Stable Retirement
Mar 28
Benefits Ben

The Strategic Leg® – Planning for a Stable Retirement

FERS Social Security TSP
Image for Marriage, Divorce, and Survivor Benefits for FERS and CSRS
Mar 22
Benefits Ben

Marriage, Divorce, and Survivor Benefits for FERS and CSRS

CSRS FERS
Image for Making Military Deposits for CSRS and FERS: The Basics
Mar 10
Benefits Ben

Making Military Deposits for CSRS and FERS: The Basics

CSRS FERS
Image for Danger Pay for Civilian Federal Employees
Mar 7
Benefits Ben

Danger Pay for Civilian Federal Employees

FERS
Image for Understanding CSRS and FERS Offset Benefits and Rules
Mar 3
STWS

Understanding CSRS and FERS Offset Benefits and Rules

CSRS FERS Social Security
Image for How Federal Employee Retirement Benefits Are Taxed by the IRS – Part I
Feb 23
Ed Zurndorfer

How Federal Employee Retirement Benefits Are Taxed by the IRS – Part I

CSRS FERS Taxes
Image for What Makes a Financial Advisor Great?
Feb 22
Jennifer Meyer

What Makes a Financial Advisor Great?

CSRS FERS
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Feb 17
STWS

FED-UARY QUIZ: FEDERAL BENEFITS

FEGLI & Life Insurance FERS TSP
Image for Checklist for Federal Employees: Choosing a Financial Advisor
Feb 14
Jennifer Meyer

Checklist for Federal Employees: Choosing a Financial Advisor

CSRS FERS
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How Can Serving Those Who Serve Help You?

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 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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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”).