Snow Federal Retirement Seminars & ChFEBC℠, LLC.
“The Nation’s Premier Leader in Federal Employee Benefits Training For All US federal Employees and The Financial Professionals Who Advise Them”
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ChFEBC℠ Blog
Why Work with a ChFEBC℠?
All federal employees should seek this designation when they plan for their financial wellbeing.
ChFEBC℠ means Chartered Federal Employee Benefits Consultant. A ChFEBC℠ has a thorough understanding of CSRS and FERS retirement annuities, the Thrift Savings Plan (TSP), Federal Employee Group Life Insurance (FEGLI) and other benefits that only federal government workers may have.
A ChFEBC℠ has devoted hours of course study and self-education to master federal benefits and their effective application. Different from other designations, a ChFEBC℠ must be retested annually. Things change and your advisor must be continually current. A ChFEBC℠ may have additional designations and registrations, but the ChFEBC℠ designation is unique to financial factors that affect only you. ChFEBC℠ study mitigates the steep learning curve that other advisors must conquer.
ChFEBC℠ requires highly specialized education in CSRS and FERS annuities and the different rules that apply to CSRS Offset and FERS Transferees, Special Provision FERS like air traffic controllers, law enforcement officers, reservists, and firefighters. This education extends to your FEGLI options, your FEHB (medical plan) options, the Thrift Savings Plan, long-term care, Social Security eligibility and choices, and to the individual concerns of survivor benefits and eligibility of children with special needs. A ChFEBC℠ training goes beyond facts, rules, and constructions. It includes discovering the right mix of information to guide your unique and personal circumstances. You, the federal employee, are the reason for all this learning. It must serve you and your needs, first and foremost.
It isn’t easy to be eligible to earn the ChFEBC℠ designation. First a professional must have a minimum of three years of experience in the financial industry, be a fiduciary and have a thorough knowledge of insurance, benefits planning, retirement planning, estate law, or personal accounting. Next there is a background review with FINRA (Financial Industry Regulatory Authority) and SEC (Securities Exchange Commission) to assure that our professional has the appropriate registrations. Any findings that prove questionable integrity become disqualifiers. The purpose of this extensive scrutiny is to assure that you receive objective guidance that is in your best interest. A ChFEBC℠ must earn and validate your trust and respect in every facet of the relationship. Snow Federal Retirement Seminars & ChFEBC℠, LLC enforces the highest integrity among the professionals we designate.
A general practitioner may be able to explain the need for a pacemaker, but a cardiac surgeon (a specialist) is the choice to implant one. If you have access to a Chartered Federal Employee Benefits Consultant, a ChFEBC℠, you have a specialist who is uniquely qualified to help you build and maintain your financial wellbeing. If you’d like our help to find a ChFEBC℠ local to you, contact us at www.fedseminars.com,
info@fedseminars.com or
800-696-3505 or visit us at
www.chfebc.com to locate a ChFEBC℠ designee by state.
Find a Chartered Federal Employee Benefits Consultant℠ Near You
ChFEBC℠ of the Month
CHARLES PETTIT
ChFC®, CLU® ChFEBC℠
CEO & Co-Founder
CSP Financial Group, LLC
Chartered Financial Consultant®,Chartered Life Underwriter®,Chartered Federal Employee Benefits Consultant℠, is an experienced and disciplined financial professional who has spent over 30 years providing prudent financial guidance to individuals, families & business owners with a wide range of financial needs. He has a very unique approach in that he helps people find money they are currently transferring away unknowingly & unnecessarily by addressing the major areas of wealth transfers that we make throughout our lifetime such as mortgages, taxes, qualified plans, education expenses, major purchases & investment strategies. Charles believes that it makes little sense to have a million dollars saved at retirement only to discover you lost a million along the way! Through Education, Investigation and Creation Charles can provide you a Lifetime Financial Strategy for Creating, Building and Optimizing your Wealth.
Charles became an Eagle Scout in the Boy Scouts of America in 1982, graduated from High School in 1984 and immediately entered the US Army. Charles entered the financial services industry in December of 1993 while completing his military service. Charles is a 12 year Veteran of the US Army. His highly decorated military career culminated with service in the Persian Gulf War and Somalia. Upon his Honorable Discharge from the US Army he developed a passion for helping families develop their financial strategies and created the Lifetime Financial Planning Process. Charles completed the Chartered Financial Consultant® program in February 2017. Candidates for the ChFC® designation must complete a minimum of nine courses and 18 hours of supervised examinations. They must also fulfill stringent experience and ethics requirements. Over 50,000 individuals have been awarded the ChFC® designation since its inception in 1982 and the credential is widely regarded as the highest standard of knowledge and trust for financial planning professionals.
The ChFC® program prepares professionals to meet the advanced financial needs of individuals, families and small-business owners. ChFCs can identify and establish specific goals and then formulate, implement and monitor a comprehensive plan to achieve those goals. Individuals who earn a ChFC® can provide expert advice on a broad range of financial topics including financial planning, wealth accumulation and estate planning, income taxation, life and health insurance, business taxation and planning, investments and retirement planning. Launched in 1927, the CLU® is the insurance profession’s oldest standard of excellence. Today, it continues to be the premier credential for professionals who want to provide their clients with the security of life insurance and risk management. Charles completed the Chartered Life Underwriter® program in August 2023.
CLU® designees know how to serve the diverse needs of their individual and business clients through in-depth insurance knowledge, including expertise on life insurance products, aspects of risk management, the legal aspects of life insurance, and assisting clients in making decisions about estate planning, including various wills and trust arrangements. Charles earned the Chartered Federal Employee Benefits Consultant Designation (ChFEBC℠). The ChFEBC ℠ program prepares professionals to meet the financial needs of Federal Employees. ChFEBC's ℠ can identify and establish specific goals and then formulate, implement and monitor a comprehensive plan to achieve those goals. These Federal Benefit Professionals complete extensive training to become a ChFEBC ℠ (Chartered Federal Employee Benefits Consultant ℠). They are required to stay up-to-date on the ever changing Federal Government Benefits Programs. They have extensive knowledge about FERS, CSRS, and Special Provisions (LEO, FF, ATC, CBPO, MRT).
Charles is a qualifying member of the Million Dollar Roundtable (MDRT). Charles received an Associate in Arts Degree from the University of Maryland, University College. Charles is involved in working with surviving spouses and children of military veterans by delivering the Financial Foundations Lessons on Successful Money Management workshop to provide them with the opportunity to be more secure in their financial future and create a life that they love. Charles enjoys time outside of the office with his wife of 26 years, Sophal, and their children. Charles is also an avid cyclist