LAYERED FINANCIAL
Advice-Only Financial Planning for Foreign Service & Civil Service U.S. Government Employees & Retirees
Ideal Client Profile
Federal Employee/Retiree
You are/were either (1) Civil Service "regular FERS", (2) FERS Special Category/ Special Provisions (law enforcement officer, firefighter, air traffic controller, nuclear materials courier), or (3) a member of the Foreign Service.
Advice-Only
You're seeking an actionable financial plan without giving your money to someone else to manage. You're comfortable enough with technology to implement the plan without an advisor providing tech guidance.
Intentional
You want to be more purposeful and proactive with your investments, taxes, retirement, and overall financial planning for today and the future. You're ready to align your personal goals and values with the right financial decisions.
Kind & Receptive
Financial planning should be enjoyable. I work best with people who approach the process with kindness, respect, and openness. When working with couples, it’s important that both partners are engaged and receptive.
Why Feds Partner with Layered Financial
Flat-Fee / Fee-Only
No commissions, asset-based fees, referrals, or product sales.
Independent
No affiliation with insurance companies, banks, or brokerages.
Advice-Only
No investment management. Only objective advice not influenced by product sales or the desire to get custody of your money.
Fiduciary
Legally required to act in your best interest with a duty of care & loyalty. See the Due Diligence page for free tools and resources to help you research and evaluate financial professionals.
Comprehensive
Your wealth building strategy should encompass more than just investments. We'll cover retirement planning, taxes, debt payoff, Social Security, education savings, & more.
Actionable
Your plan will include a detailed report with clear action items. You won’t be left with the typical template “plan” full of charts, graphs, and industry jargon, but no clear measurable steps to take.
No Account Linking
You will not have to link any financial accounts to financial planning software.
No Software to Learn
Your life is already busy enough. You won't have to engage with financial planning software or learn any new tech.
Work With an Advisor Who Gets It.
I'm an active federal employee.
I understand the unique challenges and opportunities that come with our lifestyle and career.
Click here to learn more about my financial planning approach & wealth building principles.
Featured In:
Top 5 Questions I Help Clients Answer
Early & Mid Career
#1
How should I prioritize saving & investing today? What is the correct order of operations?
#2
Is my asset allocation (stocks vs. bonds vs. cash) appropriate? Am I paying more fees than I need to with my current allocation?
#3
Should I be contributing towards Roth, traditional, or both? Will I get a tax deduction for making contributions?
#4
Am I optimizing my income tax situation? Am I missing or improperly claiming certain credits or deductions?
#5
Do I need life insurance? If so, what kind of insurance makes the most sense and how much coverage do I need? Is FEGLI the best option?
Late Career & Retirees
#1
Can I financially afford to retire when I'm first eligible? Have I saved and invested enough to handle any shortfall?
#2
What will my retirement paycheck look like? How much is my pension and Retiree Annuity Supplement estimated to be?
#3
How should I use my investments to supplement my retirement income? How much can/should I withdraw?
#4
Are my asset allocation and asset location appropriate to sustain my desired spending throughout retirement?​
#5
How should I handle taxes in retirement? Should I consider Roth conversions? Am I projected to have large required minimum distributions?