Schaeffer Financial LLC

Schaeffer Financial LLC, a woman-owned sole proprietorship based in Rockville, Maryland, delivers financial planning training and retirement education services to federal agencies as a prime contractor competing full-and-open with no set-aside designation. The firm operates exclusively as a prime — 100% of awards in the source data are prime contracts — and has secured 43 federal purchase orders totaling $82 thousand in combined potential value across the past two decades, with performance concentrated among financial training and professional development services under NAICS 541612 (Professional and Management Development Training).

The vendor's customer concentration is pronounced and narrow. The Department of State's Foreign Service Institute accounts for 91% of awards by count (28 awards) and 83% of combined potential value ($68 thousand), establishing FSI as the dominant and sustained customer. The Office of Naval Research places the second-largest customer share with 4 awards worth $6 thousand for retirement planning webinars and virtual financial planning seminars. The Internal Revenue Service, Office of Personnel Management, and Federal Housing Finance Board round out the active customer set with occasional purchases. Award counts and potential-value rankings track closely — FSI dominates both measures — with no tension between volume and dollars.

Recent activity has flattened. The vendor received two awards in 2022, one in 2023, three in 2024, one in 2025, and two in 2026, reflecting episodic purchasing by FSI and ONR rather than sustained program growth. Only one award carries an ultimate completion date within the next twenty-four months (combined potential value $2 thousand). The firm sits on one IDV, Indefinite Delivery Contract BPC050300079, which has generated one task order. Named work includes a $5,625 financial management and training contract with FSI running November 2023 through September 2024, multiple $1,600 retirement planning webinars and virtual seminars with ONR in 2024, 2025, and 2026, and $3,750 and $4,000 financial training services to FSI under instructors Karen Schaeffer and Megan Schaeffer between 2022 and 2023. The firm has no subcontract footprint — all awards are primes — and competes in the open market without small-business set-aside protection.