Financial Education
for Federal Employees

See how I can help you organize, strategize and maximize your benefits & your money

some of the Federal Agencies I've worked with:

Financial Education for Federal Employees

See how I can help you organize, strategize and maximize your benefits & your money

Some of the Federal Agencies I've worked with:

Start your financial education here:
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My Articles

lump sum annual leave payout and the social security earnings test
Annual Leave

Lump Sum Annual Leave Payout and the Social Security Earnings Test

Lump Sum Annual Leave Payout and the Social Security Earnings Test Question: Stephen, I retired from federal service at the end of last year and started collecting Social Security in January. I just got a letter saying I earned over the limit, and they’re going to withhold part of my benefits. I think it’s because

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practical retirement readiness
Retirement

The Cash Flow Transition into Retirement

The Cash Flow Transition into Retirement When you go from the work into retirement, there’s obviously a financial transition that takes place, but there’s also a mental transition. There’s a mathematical formula that people mentally subscribe to. It goes like this: work equals money. Simple. And if you subscribe to that formula, then you likely

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What's better: FEHB or Medicare?
FEHB

Do I Need Medicare If I Have FEHB?

Do I Need Medicare If I Have FEHB? This article draws on my October 2025 webinar. The webinar used projected Medicare figures; the numbers below are the 2026 figures CMS published the following month. Every year around their sixty-fifth birthday, federal employees start asking me the same question: “Stephen, what should I do about Medicare?”

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