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  "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. 

Comprehensive Retirement Income Planning for Federal Employees

Better Federal Retirement(c) is a comprehensive retirement planning process. We offer customized solutions for our private FERS retiree clientele.  The goal of this proprietary process is a retirement income plan that is secure, efficient, and sustainable for the retiree’s lifetime.

The Three Phases of a Better Federal Retirement Plan: 

Phase 1: What You Have

We begin by assessing the tools at your disposal - FERS pension, Social Security, TSP and other retirement assets, employee benefits and insurance.

With a Federal Employee Benefits Analysis we map out your guaranteed income and identify any gaps.

We will stress-test your Thrift Savings Plan and other investments, then create a custom strategy to manage risk and maximize gains in our TSP Master Plan process. 

Phase 2: What You Make

How much can you spend in retirement?

Here we take the information from the last phase and build your financial plan. If you saved for retirement, then this is usually a fun process of exploration.

We start by identifying your basic expenses, then re-discover your old "bucket list" of life goals that'll make retirement enjoyable.

Our holistic Results-In-Advance Financial Planning process will give you the green light to have fun.

Phase 3: What the Wealthy Do Differently

Sophisticated wealth management is no longer just for the super wealthy, but is in fact the cornerstone of our client's success.

By pulling from over 39 different retirement income strategies and using emotion-free, proven investment formulas, grounded in a relevant financial plan, and by eliminating emotions from the investment process, our clients can invest confidently, knowing each investment decision is rooted in academic research. 

WHERE TO START? 

Our process is not for everybody. Our clients are generally successful federal employees of all backgrounds and occupations, from medical officers to custodial workers. What all of our clients do have in common is that they have all saved for retirement.

Also, we charge a fee to create a financial plan, so know this in advance and be "ok" with paying for expertise. 

We do not, however, charge to kick the tires, so if you think you're ready to work with a fiduciary, you should let us know by scheduling a 20-minute strategy session (click the "free strategy session" button at the bottom of this page to open our online scheduler). 

If you're unsure, to help you decide if our services are worth looking in to, and to see if we'd be a good match, we've given you a few guidelines. Basically, our happiest and most successful clients value our advice, are able to recognize expertise, and learn to trust our guidance.  

We'll work well with you if you are...

  • Retired or retiring soon,
  • Serious about planning your future,
  • Action oriented,
  • A saver and planner who's saved at least 4x your annual salary for retirement,
  • Motivated and willing to "forge a path" based on research, math and science,
  • Can think for yourself, and trust your own judgement,
  • Strive for excellence, and
  • Recognize expertise in others.

You probably shouldn't contact us if you are...

  • under 50 years old,
  • a "window shopper" of options,
  • a gatherer of information (but unable to follow advice),
  • haven't saved for retirement (sorry),
  • passive and want to take the path of least resistance, follow the herd,
  • would rather get advice from co-workers or TV pundits who don't know anything about you,
  • afraid to be different, and
  • prefer predictable mediocrity.

Want to talk, but aren't ready for a telephone strategy session? Just send us an email and ask away...

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