I took Stephen's FERS Early Career/Financial Literacy training course for federal employees. Stephen's enthusiasm for the material, as well as his mastery of the subject matter, were apparent from the get-go. In addition to offering excellent financial advice for any and all individuals (as opposed to just federal employees), Stephen offered numerous tips on maximizing benefits offered to members of the federal civil service. In particular, his discussion of TSP options, life insurance, and health savings accounts were extremely eye-opening. I have no doubt that my financial literacy and awareness improved as a result of Stephen's instruction. I would highly recommend this class to new federal employees who are struggling to wrap their heads around the many options afforded to them upon joining the federal workforce. I would also recommend it to individuals who feel like they have already mastered the ins and outs of federal benefits, simply to absorb some savvy financial advice that we all need to be reminded of from time-to-time. In summation, Stephen is an excellent instructor whose enthusiasm makes light of a dense subject matter. If you have the opportunity to take one of his courses, don't pass it up!