I would highly recommend Stephen's training classes! I have taken two classes on retirement planning and have thoroughly enjoyed both of them. Financial planning for retirement can be fun and exciting? Who knew!? Stephen's energetic and upbeat style along with his wealth of knowledge (and knowledge of wealth) make for a great combination. I know this is cliché, but I wish I would have had Stephen's guidance when I was first starting out as a federal employee. Not that I am in a bad spot now, but to think I might have been a TSP millionaire already... If you have a chance to take one of Stephen's courses do it, do it now, get that training request submitted and put it on your calendar.

Stephen’s presentation was very informative and refreshing. Though I have been investing on my 401K for the past years, I wish I learned some of the information Stephen shared years ago so I could have a better portfolio by now.

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.

I recently started a position working in Public Service right out of college from holding positions in various Private Sector Organizations. I didn’t know where to start when understanding how and when to participate in Federal Benefits however, Stephen provided great insight and understanding regarding TSP’s, Health Insurance, FSA’s, FEGLI, and EAP’s. Stephen’s course was fun, lively, and very informative. If you are new or current employee working at any Federal Agency I would recommend taking Stephen’s course.

Stephen is very knowledgeable about federal employee benefits. As I new federal employee, he was able to give really good insight as to what I need to focus on for early career retirement planning. He was very honest and forthright with information pertaining to various aspects of financial planning like FEHB, HSA’s, TSP/Roth TSP, life insurance, etc. All the things that usually make my head spin but he somehow made it interesting and easy to follow!Highly recommend!!

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.