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Over the years, we have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world.We invite you to discover and experience the power of our Federal employee centered services. We believe it has far-reaching benefits for our clients to get opinions from several sources with diverse backgrounds, education, and experience.

No one strategy fits everyone, which is why every client gets our undivided attention—for employee benefit education, retirement income planning, and investment advice. We take a proactive approach to helping you develop a strategy to address your financial goals and objectives, using efficient, evidence-based methods. Recognizing that everyone encounters challenges along the way, we strive to anticipate and address those situations as they occur. We want to keep you on track toward a meaningful and purpose-driven financial future.

We invite you to check out all the material on our website. If something prompts a question, please send us a quick email or call our office. We would enjoy speaking with you.

our TEAM




Over the past 19 years, Nigel Valdez has become a well known and recognized financial planner for Federal and Postal employees in the Southwest & Texas. He has spent several years traveling around the country, educating other financial advisors and helping Federal employee clients optimize their FERS benefits, Social Security, and investments. He is also an educator with the Society for Financial Awareness, a non-profit organization dedicated to financial literacy education. 


01. Prudence

We create financial plans with care, skill, prudence and diligence…

02. Individualization

…based on the investment objectives, risk tolerance, financial circumstances, and needs of our clients

03. Loyalty

 …without regard to the financial or other interests of the advisor. 

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker – dealer, state – or SEC – registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor.  Better Federal Retirement (BFR) and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that BFR and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.

Get In Touch


OFFICE: (520)355-5237


TUCSON, AZ 85701