Taking Stephen’s class was so eye opening for me in planning for my future. He provided options for improvement I was able to act on immediately to improve my portfolio and secure a better future for me and my family. His effort to stay abreast of Federal benefits and share them in a platform that was both educational and at times humorous was so valuable. Feds should have a first year in govt. training with a refresher every 10 years to really understand their options with career growth. Thank you Stephen and DOE for investing in us.

Stephen's financial planning advice is top notch. He is able to convey important concepts in an understandable way with real world examples. He also provides diverse advice that covers many financial planning topics from taxes to investments to retirement planning and does so in an excellent manner.

Stephen Zelcer's FERS Retirement course is excellent! Mr. Zelcer is a lively and entertaining instructor. I didn't want to miss any part of his course. He provided very helpful insight and guidance for retirement planning.

Stephen did a great job explaining our federal benefits and how they all integrate with one another to achieve financial independence in retirement. Highly recommend the FERS Retirement class from Stephen. He is a great instructor.

I have told at least 4 people in the last few days how good this class was. There are so many moving parts to understanding Federal retirement and Stephen "gets it." I was very surprised how many decisions I thought were obvious were actually not the best choices. Stephen challenged us to understand how a different choice made more sense financially. Stephen covers FERS, TSP, Social Security, life insurance, health care (FEHB and Medicare), and outside investments. Well worth the three days.