Comprehensive Financial Planning
Your federal benefits are just one piece of a complex financial picture. Our comprehensive planning integrates your pension, TSP, Social Security, taxes, insurance, and investments into a cohesive strategy designed to maximize your retirement security.
Complete Financial Planning Services
Comprehensive planning covers every aspect of your financial life, from benefits optimization to investment management to estate planning.
Federal Benefits Analysis
Complete analysis of your FERS pension, TSP, FEHB, FEGLI, and all other federal benefits. We calculate exact retirement eligibility dates, pension amounts, and optimization strategies.
Investment Management
Professional management of your TSP and outside accounts. We design and maintain an investment strategy aligned with your goals, risk tolerance, and time horizon, with regular rebalancing.
Retirement Income Planning
How much can you safely spend in retirement? We project your income from all sources, analyze withdrawal sequencing, and create a sustainable spending strategy.
Tax Strategy
Multi-year tax planning including Roth conversions, withdrawal sequencing, bracket management, and strategies to minimize your lifetime tax burden.
Healthcare Planning
FEHB plan selection, Medicare coordination, and projection of healthcare costs throughout retirement so there are no surprises.
Insurance Analysis
Review of life insurance, long-term care, and disability needs. We analyze FEGLI versus private alternatives and ensure you're properly protected without overpaying.
Estate Planning Coordination
Review of beneficiary designations, estate planning documents, and legacy goals. We coordinate with your estate attorney to ensure your wishes are documented.
Ongoing Quarterly Reviews
Regular check-ins to monitor progress, adjust strategies as needed, and address new questions or life changes. You're never left wondering what to do next.
Why Comprehensive Planning Matters
Piecemeal Approach
- Different advisors for benefits, investments, taxes
- Recommendations that conflict with each other
- Gaps in coverage and missed opportunities
- No one sees the complete picture
- You coordinate everything yourself
Comprehensive PlanWell Approach
- One team managing all financial aspects
- Coordinated strategies that work together
- Nothing falls through the cracks
- Complete visibility into your finances
- We handle the complexity for you
Your Planning Journey
Discovery Meeting
We start with a thorough conversation about your goals, concerns, and current situation. This helps us understand what success looks like for you and your family.
60-90 minutesData Gathering
You'll share documents including SF-50s, tax returns, investment statements, and insurance policies. Our secure client portal makes this process simple and organized.
1-2 weeksAnalysis and Strategy Development
Our team analyzes every aspect of your financial life and develops comprehensive recommendations. We model multiple scenarios to find the optimal approach.
2-3 weeksPlan Presentation
We present your personalized financial plan, walk through all recommendations, answer questions, and agree on next steps for implementation.
90 minutesImplementation
We help you execute the plan, from adjusting TSP allocations to setting up accounts to coordinating with other professionals like your CPA or estate attorney.
OngoingQuarterly Reviews
Regular meetings to review progress, rebalance investments, update projections, and adjust strategies as your situation or goals evolve.
OngoingWhy Federal Employees Choose PlanWell
Certified Financial Planner
Rigorous certification requiring education, examination, experience, and ethics commitment. Less than 30% of financial advisors hold this designation.
Chartered Federal Benefits Consultant
Specialized training in federal employee benefits including FERS, CSRS, TSP, FEHB, and FEGLI. We know the rules that govern your retirement.
Accredited Investment Fiduciary
Training in fiduciary practices for investment management. We're held to the highest standard of care when managing your money.
Fee-Based
Unlike commission-driven advisors, we lead with comprehensive financial planning and solutions tailored to you.
Financial Planning FAQs
How much does comprehensive planning cost?
Our fees depend on the complexity of your situation and the services you need. You have the choice to choose between a short-term or long-term partnership. We're fully transparent about costs during our initial consultation.
Do I need comprehensive planning or just a one-time consultation?
If you have a straightforward question or just need a benefits report before retirement, a one-time consultation may be sufficient. Comprehensive planning is best for those who want a roadmap to reach their financial goals before and after retirement.
How is comprehensive planning different from your free workshop?
The free workshop provides education about federal benefits that applies to all attendees. Comprehensive planning is personalized to your specific situation, includes investment management, and provides ongoing guidance rather than a single educational event.
What is a fiduciary and why does it matter?
A fiduciary is required to act in your best interest. Many financial salespeople only need to recommend "suitable" products, even if better options exist. As fiduciaries, we must put your interests above our own.
Will you manage my TSP directly?
We provide allocation recommendations and guidance for your TSP, but you execute the changes since TSP doesn't allow third-party management. For outside accounts (IRAs, brokerage accounts), we can manage investments directly with your authorization.
Ready for Financial Clarity?
Stop piecing together financial advice from multiple sources. Get one comprehensive plan that ties everything together.