Financial & Retirement Planning

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Financial planning is the cornerstone of a proper retirement plan.  Where will your retirement money come from? If you’re like most people, qualified retirement plans, Social Security, personal savings, and investments are expected to play a role.  We will help you create certainty and tax efficiency within your plan.

 A cash flow budget is all about tracking the timing of your income and expenses to make sure you have enough from month to month. 

 There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors. 

 Understanding tax strategies and managing your tax bill should be part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts. 

 Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. 

 Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events.  A strategy can include personal insurance, liability insurance, and life insurance. 

As a federal employee, one of your many great benefits is the FERS Pension.  Learn about your choices and how the Pension system works.

The Thrift Savings Plan has many strong features, but there are also many gaps in their offerings, especially in retirement.

Also, referred to as a bridge payment, this is perhaps one of the most misunderstood retirement benefits for some federal employees.  

We can assist you with completing and submitting your retirement paperwork and associated documentation.

FEGLI and FEHB are respectively the largest life and health insurance groups in the country. Learn about the ins and outs and how they change in retirement.

We can assist you with the Military Buyback process to make sure you receive credit for all eligible time.