Top financial advisors working with government employees
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
If you work for the government, your benefits and retirement options often differ from the private sector, making your financial planning more complex. Without an advisor familiar with government employee rules, you might miss out on key benefits or make costly mistakes.
- Pension and benefits knowledge. Confirm the advisor understands your specific government pension plan and how it integrates with Social Security and other benefits.
- Thrift Savings Plan (TSP) expertise. Ask how they help optimize your TSP contributions and investment choices within this federal retirement savings plan.
- Federal tax considerations. Government employees may face unique tax situations; check how the advisor navigates these to minimize your tax burden.
- Retirement timing strategies. Discuss how they plan around government retirement eligibility ages and potential penalties for early withdrawal.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Amanda F
Series 66
Lexington, NC
Edward Jones
Amanda Fleming specializes in financial planning for government employees, bringing a focus on retirement plans and business ownership considerations that can complement government benefits. Operating within Edward Jones, a large firm with extensive resources and a broad client base, she offers a program fee up to 1.35% annually and brings a unique perspective from her entrepreneurial background, which may provide additional insights compared to advisors solely focused on government sectors.
Experience: 1 year
Avg account: $246,728
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Michelle V
CFP®
Fort Worth, TX
Waymaker Financial Planning
Michelle Vargas specializes in financial planning for government employees, offering expertise in retirement planning and tax strategies tailored to this group. As a CFP®-certified advisor based in Fort Worth, TX, she provides flat-fee modular financial planning and serves primarily Gen X clients, including federal workers, with a focus on accessible, transparent guidance. Her personal experience as the spouse of a federal employee adds practical insight to her advisory approach.
Experience: 6 years
Avg account: $517,763
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Richard S
CFP®, Series 63, Series 65
Rockville, MD
Schaeffer Financial LLC
Richard Schaeffer specializes in financial planning for government employees, leveraging his 41 years of experience and CFP® certification to address unique pension, TSP, and retirement timing challenges. Based in Rockville, MD, he offers flat-fee and hourly planning options through Schaeffer Financial LLC, a firm known for diversified asset allocation and collaboration with outside professionals, distinguishing him from advisors with less comprehensive service models.
Experience: 42 years
Avg account: $1,043,301
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Steve S
VerifiedCFP®
Eldersburg, MD
ABEL Financial Management Co.
Steve Stern is well-equipped to assist government employees with their unique financial planning needs, leveraging his 12 years of experience and CFP® certification. His firm, ABEL Financial Management Co., serves high-net-worth clients with a fee structure of 0.7-1.15% AUM, emphasizing accountability and proactive planning, which distinguishes him from other advisors by combining financial expertise with a personalized, client-focused approach.
Experience: 13 years
Avg account: $1,375,594
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Mark T
Series 63
Mooresville, NC
C2 Investment Group
Mark Teichman specializes in serving government employees, leveraging 20 years of experience and a Series 63 designation to navigate unique retirement and pension complexities. His firm, C2 Investment Group, focuses on index-tracking strategies for public funds, offering a consultative, non-discretionary approach with a competitive 0.10% AUM fee, which may appeal to government workers seeking tailored investment optimization in Mooresville, NC.
Experience: 20 years
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