Services for Federal Employees

Attention Federal Employees:
Did you know that three of our deaf financial advisors have received specialized training in federal employee benefits? They each have obtained the Chartered Federal Employee Benefits Consultant (ChFEBCSM) designation after completing extensive training courses giving them the knowledge needed to advise federal employees on their benefits. Some examples of the services we can provide are:

  • Reviewing your existing elections as well as other options that may be available to help maximize your benefits according to your specific needs
  • Explain the difference between the TSP fund options and how they operate and assist in choosing TSP allocations to fit your risk tolerance, objectives, and time horizon
  • Assisting with completing the Federal retirement forms booklet for those who are ready to submit their retirement application including:
  • Explaining the CSRS/FERS retirement pension benefit elections and assisting in determining which option would best fit your needs
  • Explaining the FEGLI life insurance options (no reduction, 50% reduction 75% reduction) and assisting in determining which option would best fit your needs

We do not charge for federal employee benefits consultations. Being a full-service financial planning firm, we may make recommendations to fill any gaps in coverage with other products or services that may have other costs associated with them. For example, if you have already maximized your federal life insurance benefits and it is determined that the amount of coverage is still not sufficient, we may make a recommendation to purchase additional private insurance which would have a cost associated with the premiums. However, there is no obligation to follow those recommendations and we still do not charge for the consultations.

Whether you recently joined Federal service and want to learn more about the benefits available to you, or if you are ready to retire, or anywhere in between, we are here to help give a thorough understanding of your benefits as well as strategies for maximizing them. If you are interested, please contact us.

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Maryland Office

9099 Ridgefield Drive Suite 101
Frederick, MD 21701

VP: (240) 439-6889
Voice: (240) 379-6929
Fax: (240) 379-6909

Texas Office

611 S. Congress Ave. Suite 440
Austin, TX 78704

VP/Voice: (512) 410-0739
Fax: (512) 692-2990

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*Securities and Investment Advisory Services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.  Traditional/Fixed Insurance offered through Kramer Wealth Managers which is not affiliated with Osaic Wealth. This communication is strictly intended for individuals residing in the United States. No offers may be made or accepted from any resident outside of the United States. Neither Osaic Wealth, nor its registered representatives, offer tax ore legal advice. For assistance with these matters, please consult your tax or legal advisor.

** Some services offered through independent strategic alliances/professional firms.

*** The securities products and services offered or provided by Osaic Wealth are not being provided or offered on behalf of the Federal Government.The offer of such securities is not sanctioned, recommended, or encouraged by the Federal Government. Osaic Wealth and Kramer Wealth Managers are not endorsed by or affiliated with the Federal Government.

This communication is strictly intended for individuals residing in the United States. No offers may be made or accepted from any resident outside the United States.

IMPORTANT CONSUMER INFORMATION
A broker-dealer, investment financial professional, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up: individualized responses to persons in a state by such a Firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. The company is not liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information, and programs made available through this website. When you access one of these websites, you are leaving our web site and assume total responsibility and risk for your use of the websites you are linking to.

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Adrianna Rocha

Client Relations Representative

240-379-6929 V
240-439-6889 VP
512-379-6909 FAX
adrianna@kramerwealth.com

Adrianna Rocha joined Kramer Wealth Managers in 2021.

Adrianna is responsible for client experiences and service. As part of the customer service team, she strives to help and provide top-notch service to our clients. As part of her role, she communicates with clients through videophone, schedules client meetings, prepares and processes forms, and gathers information for our advisors.

Adrianna Rocha graduated with a Bachelor of Arts in Communication Studies from Gallaudet University in 2017. Before she joined our team, she worked in the customer service industry for nearly a decade. She excels in human-to-human relations and takes pride in not only her own accomplishments, but her clients’ as well. Adrianna enjoys chatting about her slight obsession with dogs, houseplants, essential oils, and food: especially Mexican food! She is also a proud fur-mama to her beautiful Aussie-mixed pup, Ziva.

Adrianna is not registered with Osaic Wealth.