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”
Send your completed form to info@fedseminars.com if you are approved you will receive a payment invoice in 24 hours.
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.
RUTH KITZMANN
CDFA® , AIF®
SENIOR VICE PRESIDENT, INVESTMENTS
Compassionate and helpful, Ruth enjoys working with her clients and going above and beyond for them. She wants her clients to know she is always here for them and the milestones they experience along the way.
She takes the time to carefully listen to their needs and aspirations, such as building their investment portfolio, producing income for retirement, and leaving a legacy for their family. She enjoys the detective work of helping clients locate and consolidate their assets, and get a handle on every detail of their financial lives.
She likes to meet with her clients face to face whenever possible, and will take the extra time to go to their office or residence if it is more convenient for them. She likes to have them be an intricate part of their planning, and help them understand the investments she recommends and how they are designed to accomplish their goals and objectives.
Ruth has 30 years of financial industry experience. Before joining Raymond James in August 2019, Ruth served as Senior Vice President at RBC Wealth Management. Earlier in her career, she held the same position at Robert W. Baird & Company.
Ruth holds the Accredited Investment Fiduciary (AIF®) Designation which is a professional certification that demonstrates an advisor or other person serving as an investment fiduciary has met certain requirements to earn and maintain the credential.
The purpose of the AIF* Designation is to assure that those responsible for managing or advising on investor assets have a fundamental understanding of the principles of fiduciary duty, the standards of conduct for acting as a fiduciary, and a process for caring out fiduciary responsibility.
F1360 is accredited by the American National Standards Institute (ANSI) for the AIF® Designation, making the designation part of an elite group of accredited designations recognized by FINRA.
As a Chartered Federal Employee Benefit ConsultantSM, Ruth assists federal employees with the retirement financial literacy and education mandated by the Thrift Savings Plan Open Elections Act of 2004. She also has specialized experience as a Certified Divorce Financial Analyst® , enabling her to guide clients through the divorce process and envision the longterm financial impact of their proposed divorce settlements.
Ruth earned a Bachelor’s Degree in Business Marketing Management and a minor in Art from Concordia University in River Forest, Illinois, and an Associate’s Degree from Bethany Lutheran College in Mankato, Minnesota.
Ruth was born in Minneapolis, lived in Golden Valley, Minnesota, later moved to the now family farm in Lacrosse Wisconsin area, where she lived until she attended college. After graduating, she moved to Milwaukee.
Today, Ruth lives in Helenville, Wisconsin. In her free time, Ruth enjoys spending time with her family, reading, animals, and spending time outdoors. She is also involved in her church, helping the needy, and working with the Hispanic Foundation. In addition, she is a graduate of the FBI Citizens Academy and continues to serve the organization.
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Snow Federal Retirement Seminars & ChFEBC℠, LLC. is an Educational Company.