Helping Federal Employees and Annuitants Understand Their Benefits


Financial Planning Guide

For Federal Employees & Retirees


Financial planning starts with a review of your investments including your TSP, brokerage and mutual fund accounts, assets, and all banking and savings accounts and includes evaluating expenses pre and post retirement. You also need to review accounts to ensure proper beneficiary or Pay on Death (POD) designations are listed. 


Retirement Radar:
Fortifying Your Financial Future

Join us for this free retirement webinar from best-selling retirement author Tom Walker. This webinar prepares federal employees to navigate the uncertainties of retirement and focuses on pinpointing and addressing the varied risks that could impact the stability of your financial future.

'Retirement Radar' goes beyond mere risk assessment; it offers a proactive strategy to strengthen your financial outlook against retirement's diverse challenges. Arm yourself with the knowledge and tools necessary to construct a resilient safeguard for your retirement years.

Top 5 Reasons to Attend:

  1. Sequence of Returns Risk: Understand the impact of market volatility on your retirement savings.
  2. Tax Rate Risk Management: Explore the potential fluctuations in tax rates and how they can affect your retirement income.
  3. Long-Term Care and Medical Expenses: Address the significant risk posed by potential long-term care needs and escalating medical expenses.
  4. Inflation Risk: Gauge how rising costs of living can erode your purchasing power and strategize to counteract inflation's impact on your retirement savings.
  5. Social Security Reduction Risk: Examine scenarios where Social Security benefits could be reduced and how to prepare.
  6. Interest Rate Risk: Analyze the effects of changing interest rates on your investment portfolio and pension.

Join Retirement Radar to gain mastery over RISK ASSESSMENT to construct a resilient safeguard for your retirement years. Attendees will walk away empowered, with the knowledge and confidence to build a strong foundation for your retirement prosperity.

Click “REGISTER HERE” to reserve your seat!


Your personalized plan will ultimately show you what your total income and expenses are pre and post retirement and will put things into a proper perspective for you and your family. The goal is to first determine if your post retirement income, from all sources, will be sufficient for you and your family to maintain the lifestyle you desire. If your calculations reveal a deficit, less money than you need, you have time to make changes including, pay off mortgages, and saving to make it possible when you do decide to leave. We offer a free downloadable spreadsheet with examples and instructions tailored to federal employees that will help.

Fixed Income Investment Update – Bonds & More

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Every plan is different and based on your circumstance at the time. You may have children still in college, parents that need your care and attention, home mortgages, and the entire gambit of situations that change from person to person. You are the only one who can effectively develop your plan because you know YOU like no one else does. This doesn't mean you can 't get help, there are many professionals willing to help. Regardless of whether or not you do it on your own or hire a professional, its YOU who must provide the details to insure your plan is sound and viable.

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financial planning includes going all the way and that means don't stop after compiling the information. Finish the process with a Nolo's estate planning products including wills and living trusts plus health directives and a power of attorney if you become incapacitated and unable to make decisions.

Lets start with the first step and determine your pre and post income and expenses. After you complete our free spreadsheet you will know what you will have to live on in retirement after expenses and then proceed on from their.  

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