Services & Fees
3 Core Solutions for Every Career Stage
Comprehensive Financial Plan
Who is this for?
(1) Active federal employees who are within 5-7 years of retirement eligibility or (2) federal retirees.
What is the Price?
Single: (single tax filers, no partner/spouse): $5,000. Couple (married tax filers, those with a partner/spouse): $6,000
About the Service
If you are retired or within 5-7 years of retirement eligibility and you're new to Layered Financial, a comprehensive analysis and action plan is the right service.
We may cover topics including but not limited to:
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Values & goal setting
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Risk profile
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Cash flow analysis & net worth
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Investment analysis & strategy
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Retirement income planning
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Asset allocation (stocks vs. bonds vs. cash vs. other assets)
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Asset location (tax efficiency with various types of accounts)
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Debt management
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Federal pension & Retiree Annuity Supplement estimates
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Taxes
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Risk management
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Social Security options
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Basic estate planning recommendations
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Distribution strategy & rebalancing
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Life insurance needs / FEGLI (I do not sell any insurance products)
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Education funding
Basic Federal
Employee Plan
Who is this for?
Early & mid-career federal employees who are more than 5-7 years away from retirement eligibility.
What is the Price?
Per employee: $3,000.
About the Service
The basic federal employee plan is for early and mid-career professionals who want to make sure they're taking the right steps now to secure their future.
We may cover topics including but not limited to:
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Are your investments (TSP, IRA, brokerage) aligned with your unique financial goals?
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Should you contribute towards Roth, traditional, or both?
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What's the right saving / investing / debt payoff order of operations?
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Asset allocation (stocks vs. bonds vs. cash vs. other assets)
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Asset location (tax efficiency with various types of accounts)
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Life insurance needs / FEGLI (I do not sell any insurance products)
Annual Review / Project Specific
Who is this for?
Prior clients who have already received a comprehensive financial plan or a basic federal employee plan.
What is the Price?
Single Review: $1,000.
Couple Review: $1,500
Project Specific: Price will be based on the scope / complexity of the project. The total cost will be agreed upon prior to starting the engagement. No surprises.
About the Service
This service is only appropriate for those who have already received a full comprehensive financial plan or the basic federal employee plan.
For most clients, I recommend reviewing the plan at least annually to ensure values and goals are still aligned with the previously established course of action. For early & mid-career professionals who have not had major life events occur / changes in their financial situation, I recommend a review every few years.
This service will not result in a full comprehensive financial plan. The financial planning agreement will outline the individual topics that will be covered.
Not your typical experience.
Partnering with Layered Financial will be different than working with a large financial services company. Advisors working for the big names may have hundreds of clients, rigid templated plans, and may be pressured to sell products.
With Layered Financial, none of that exists.
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Comprehensive Financial Guidance: To maintain a high-quality product and satisfy compliance standards, I only provide advice if I can see the full financial picture. I do not offer standalone investment advice or isolated TSP strategies. Getting TSP / investment advice from someone who doesn't understand your complete financial picture is like getting directions from someone who doesn't know where you're trying to go.
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100% Customized Plans: Your plan will be built from scratch based on your specific values and goals. I do not generate financial plans using standard software templates. The last thing you need is a convoluted "plan" filled with charts, graphs, and industry jargon, but no clear measurable steps to take.
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Dedicated Attention: To ensure exceptional focus and service, I only work with a limited number of clients, typically no more than 1–2 at a time. This is why I'm so particular about ensuring that we're a good match for each other.
You deserve to know:
(1) Exactly what the total dollar amount is for the service you're signing up for.
(2) The method of charging / compensation arrangement.
This should all be publicly available without having to schedule a call and play the sales game.
With Layered Financial, the fee for service will always be known. What the service includes and the total cost will be clearly listed on the website and outlined in your financial planning agreement. This is the all-in cost. There will be no surprises. Any change to your fee will require an entirely new financial planning agreement, signed by both of us.
Fee Transparency
Fixed Fee
Sometimes referred to as “flat fee.” This compensation arrangement is typically based on the complexity of the client’s financial situation.
Learn How Your Advisor Charges
(1) Go to the Investment Adviser Public Disclosure portal.
(2) Search by the firm name or advisor's name
(3) Click on "View Latest Form ADV Filed"
(4) Go to Item 5, Section E
Fee-Only
Fee-only does not mean the same as fee-based.
The only compensation I receive are fixed-fees paid for the services I provide. I am not compensated with commissions, product sales, or referral fees. As a fee-only adviser, I am bound by the fiduciary standard as opposed to the suitability standard. See more on fiduciary vs. suitability here.