In this episode, Dan reflects on Social Security’s 90th anniversary, and how it complements FERS and TSP for a balanced retirement strategy, while Katelyn examines the G Fund’s safety, real returns, and why relying on it entirely can pose hidden risks.
Dan marks Social Security’s 90th anniversary by revisiting why it was created and highlighting its 72 million beneficiaries. He breaks down the program’s key benefits and explains how, for federal employees, it complements FERS and TSP to create a well-rounded retirement strategy. Dan also reviews Commissioner Bisignano’s vision for Social Security, early progress in his first 100 days, and what it means for federal employees before looking ahead to the program’s next 90 years and the importance of thoughtful planning.
Katelyn then examines whether the G Fund is truly as safe as it seems. She explains what the fund is and why it’s often viewed as a low-risk option, before analyzing its real returns-since inception, over the past 10 years, 5 years, and year-to-date. Katelyn connects this to the hidden risks of being overly conservative, explores the impact of tax drag on modest gains, and underscores why the G Fund shouldn’t make up an entire retirement plan.
“Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Lee, Sipe & Associates, Inc. is not a registered broker/dealer and is independent of Raymond James. Content represents the opinions of the speaker and not necessarily those of Raymond James. Important Disclosure Information: https://raymondjames.com/smicd.htm.
The FedLife Podcast is your in-depth, biweekly deep dive into the world of federal benefits and retirement planning. Hosted by federal benefits expert Ed Zurndorfer and Dan Sipe of Serving Those Who Serve, each 30-minute episode unpacks the complexities of FERS and CSRS retirement, FEHB and Medicare, survivor benefits, tax planning, and more. Designed for federal employees and retirees who want more than just the basics, FedLife goes beyond the headlines to explore the rules, nuances, and strategies that can make a meaningful difference in your retirement. Remember: it’s your Fed life, make it a great one.
The Fed15 Podcast is your weekly 15(ish)-minute briefing on federal benefits and financial planning, built specifically for federal employees and retirees. Hosted by Dan Sipe and Katelyn Murray of Serving Those Who Serve, each episode delivers clear, actionable guidance on topics like FERS and CSRS retirement, TSP strategies, FEHB, survivor benefits, tax planning, and more! Whether you’re five years from retirement or already there, The Fed15 helps you cut through the noise, avoid costly mistakes, and make confident decisions about your federal benefits.
