Disclosure

Disclaimer

The Federation of Federal Employee Benefit Advocates (FFEBA), the owner of the Federal Retirement Consultant (FRC) designation, is committed to supporting Federal employees and FFEBA Network Representatives by providing educational and marketing services. FFEBA connects Federal employees with independent professionals in its network to help them better understand their benefits. FFEBA is not a licensed financial advisory firm and does not provide financial, legal, or tax advice. Instead, it facilitates referrals to qualified professionals for personalized assistance.

Role of FFEBA Network Representatives

FFEBA Network Representatives are independent financial professionals who may have contractual relationships with FFEBA through the FRC designation but are not its employees. They may act as event sponsors and hosts but do not engage in sales during educational events. Events are led by independent Federal Benefits Educators. In rare cases, where an Educator is unavailable, a Network Representative may both host and present—this will be clearly disclosed in all event materials. Participation in these events is entirely voluntary.

Nature of the Information Provided

All information presented during FFEBA events is for general educational purposes only. It is not intended as, nor should it be interpreted as, financial, legal, or tax advice. No sales activities take place at these events. However, attendees who voluntarily share their contact information or submit information requests may be contacted by FFEBA Network Representatives with offers for financial or insurance-related services. Educators do not provide legal or tax guidance. Information presented may vary in applicability based on state-specific laws or personal circumstances.

Educational Programs and Services

FFEBA and its affiliated or unaffiliated partners—independent advisors, educators, and business associates (collectively, “Educators”)—deliver benefits education through workshops, seminars, and webinars across the United States. These events are designed for Federal employees and are purely educational in nature. FFEBA also provides training for financial professionals, CPAs, and attorneys through its Federal Retirement Consultant (FRC) designation program.

Affiliations, Compliance, and Disclosures

FFEBA and its Educators are not affiliated with, endorsed by, or sponsored by the Federal Government or any U.S. Government agency. FFEBA is a registered vendor with the Federal Government (SAMS/DUNS), but it is not a broker-dealer, investment advisory firm, insurance company, or agency, and does not provide investment or insurance advice or recommendations.

FFEBA makes no guarantees regarding the accuracy, completeness, or outcomes of the information presented and disclaims all liability for any unauthorized use or reliance on this information.

FFEBA is not authorized to sell or represent any Federal or state employee benefit programs, including those administered by U.S. Government agencies, state entities, or third-party organizations such as the Office of Personnel Management (OPM), the Federal Employees’ Group Life Insurance (FEGLI) Program, or the U.S. Armed Forces.

Compliance Standards

FFEBA adheres to internal policies aligned with applicable GSA rules, including 41 CFR Part 102-75, for conducting in-person educational seminars on or off Federal premises. It also operates in accordance with OPM Benefits Administration Letters BAL 06-202 and BAL 14-206, which are designed to prevent insurance misrepresentation and deceptive sales practices targeting Federal employees.