Broker Check

  "Because every Federal employee needs

         and deserves a quality

       financial plan."

Now, more than ever, Federal employees are tired of financial advisors who are not 100% focused on their goals. We have a fiduciary responsibility to always place our clients' interests ahead of our own. We deliver sophisticated portfolio management, personal relationships, and holistic, fee-based, 21st century financial planning. 

Do you already know that a quality financial plan is exactly what you need? Then click below to schedule our first conversation.

Start planning now


Arm yourself against commission-hungry annuity and mutual fund salespeople with a quality, holistic financial plan. When you have a Plan, you have Power. 


We bring your Thrift Savings Plan into the modern world with safe, sophisticated monitoring and management. You don't need to leave the TSP to be WealthGuardedtm. 


Will you run out of money before you run out of life? Create a financial plan, monitor it regularly, and work with a fiduciary professional to stay on track.


The first step toward a Better Federal Retirement is to have that first conversation. Click the button below to open up our booking page, then select a date and time for us to call you, and we'll call you at the time you select.

We're not salespeople, we make no commissions. There's no bait-and-switch where we offer a free financial plan then try to sell you some crappy annuity.

We are fee-only planners, but there's no charge to kick the tires. Schedule a 20-minute call, and we'll tell you if we can help you and how. And if we're not a good fit, well, we'll be sure to point you in the right direction. 



Who am I and who do I help? 

I’m Nigel Fusella-Valdez, founder of Better Federal Retirement. I am a fee-based financial planner for Federal employees. 

As a Federal employee, ask yourself: 

"Can I both optimize my robust benefits package while reducing Federal benefit costs? How?"

"How should I manage my Thrift Savings Plan?"

"What can I do now to secure a comfortable and secure retirement?"

"Will I even be able to retire, ...and stay retired? When will I know?"

...and finally, "How can I defend myself from pushy insurance, annuity, and mutual-fund salesmen who may not have my best interests in mind?"

The answer to all of those questions is YES, when you have a Financial Plan.

That's why I've created Better Federal Retirement, the only financial planning, solutions-oriented program designed to align your Benefits with your Values. Armed with a Financial Plan, you can easily make informed decisions about your benefits, your goals, and your Financial Life, and your future.

After working with us, our clients have improved their benefits package and reduced their Federal benefits costs by $30,000 to $80,000 by retirement age. 

Together, we'll Stress-Test your Thrift Savings Plan and integrate your FERS (or CSRS) benefits into your Financial Plan.

So please don't give in to finance-phobia! Contact us now for a free phone or in-person chat.

It is up to you, and you alone: you can Live the Best Life Possible with the Money and Benefits You Already Have, ...with a Little Help From Smart Financial Planning.

- Nigel

Sounds good. Let's talk!