As a government employee or contractor, you face unique challenges and opportunities. The experienced team at Financial Advantage Associates has the expertise and experience to help you optimize your pension benefits, minimize tax implications and other risks, and help you transition into the fulfilling retirement you envision.

As a preferred choice for retired and current government employees and military personnel in the DMV area, we both anticipate and understand questions you have or that may arise in the future, such as:

1. Could I retire early? What would be the impact of an early retirement on my financial situation? Is it ok to retire before I pay off my mortgage? Should I focus on saving and investing or paying off debt?
   
2. How can I optimize my government/military pension plan and maximize my benefits? When should I retire and how should I take disbursement? Am I taking on too much risk at this stage in my life?
   
3. What are the advantages and disadvantages of a Thrift Savings Plan?
4. Do I have enough insurance coverage to take care of my family if something should happen to me?

• There are over six million active and retired Federal Employees in the federal retirement systems and they all have decisions to make regarding retirement planning. We do our part in providing financial advice in a truly conflict-free environment to help you achieve the retirement you deserve.
• Many people “advise” the Federal Workforce in a content capacity; some are very detailed, almost encyclopedic. Others, use more of a shock-and-awe tactic. What we have found is that neither is really addressing the real-life financial planning challenges with you. We offer a different perspective; our experienced team brings the actual in-the-trenches real-life planning experience and pairs that with the educational side to design a successful retirement plan for you and your family.
• Our process has been designed to bring a 360-degree view of your Federal Benefit/ Retirement picture and offer solutions to not just help you maximize your lifetime income but to do it in a tax-efficient manner and additionally address the estate and legacy planning issues.

• Discover: Understanding your benefits is always the first step. We need to discover what we know, and what we are unsure about, and dig to discover anything else we may not know. We can certainly understand our Federal Benefits better, but we cannot make decisions in a vacuum. What we don’t know CAN hurt us in our retirement planning. Our team has helped hundreds of feds decode their financial situation in preparation for retirement.
• Define: Total transparency -The discovery process can be absolutely overwhelming. That is where the Fed Advantage team specializes in helping you define your wants, needs, and goals preparing for the retirement you want to create. We work together with you to dig through your entire financial picture to define the retirement you want to target.
• Deploy: Our team brings together the resources on both the educational and the actionable planning side to implement and deploy the right products, and services to implement the plan defined in step 2. We have the right connections, education, and in-the-trenches experiences to help you retire without compromising your sanity. Plan Better, retire better.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.