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Financial Planning

Financial Planning

What is a Fiduciary’s Duty?

Understanding the Three Fiduciary Duties: What They Mean for Federal Employees If you’re a federal employee preparing for ...

“Flat-style illustration contrasting financial product sales with holistic wealth management for federal employees, showing a split screen with a megaphone and dollar document on one side and a checklist and money bag on the other, separated by a bold ‘VS.’”

The Reality Behind TSP Roll-Over Pitches Targeting Federal Employees

Many federal employees tell me the same story: as they approach retirement, their inbox fills with messages urging ...

A stylized illustration of a mountain with a climber planting a flag at the peak, showing “Accumulation” slanted upward on the left slope and “Distribution” slanted downward on the right, representing the financial journey from saving for retirement to drawing income.

How Much Can You Spend In Retirement?

The most important question in retirement planning rarely gets asked first. Financial advisors everywhere love to ask: “So… ...

“Four professionals—including a bearded advisor resembling the author—work together to assemble large puzzle pieces outdoors, with mountains and a federal-style building in the background. Illustration uses Better Federal Retirement color tones.”

Independent — Not Alone: The Power Behind “Better Federal Retirement”

Many federal employees appreciate that I’m an independent fiduciary advisor — it means my loyalty is to my ...

Mid-Career Federal Employee Financial Planning

Mid-Career Financial Planning Decisions You Shouldn’t Ignore

Why some of your most important financial decisions happen long before retirement Most federal employees hire an advisor ...

A flat-style illustration of a fiduciary financial advisor meeting with a married same-sex female couple, seated at a table in a warm, professional office with subtle federal buildings in the background, representing client primacy and trusted financial guidance.

Financial Planning

The Best Plan, is Yours

Client Primacy: Respecting Preference Within Fiduciary Care by Nigel Valdez, CFF®, FRC®Better Federal Retirement — Fiduciary Wealth Management ...

“Horizontal blue graphic with large white text reading ‘What Is a Fiduciary?’ in a clean, modern font, styled in Better Federal Retirement brand colors.”

What is A Fiduciary Advisor and Why Does It Matter?

Understanding the Value of a Fiduciary in Your Financial Journey What’s a fiduciary? Is every financial advisor a ...

Financial Planning

“Confused at a Higher Level”

  Why Informed Decisions Matter in Your Federal Retirement At Better Federal Retirement, one of our core responsibilities ...

A retired couple stands at a three-way fork in the road, looking toward three appealing retirement lifestyle paths—a seaside scene, a mountain retreat, and an idyllic town home—symbolizing different retirement strategy choices.

Is Your Retirement Strategy Right for You?

Retirement planning can be a complex journey, especially if you’re a federal employee retiree or nearing retirement. There’s ...

“Venn diagram showing the overlap between Federal Employee Benefits and Financial Planning, with the overlapping center highlighted in red to represent Better Federal Retirement, and an arrow pointing to the overlap.”

Financial Planning

Why do Federal Employees need financial planning?

Creating a comprehensive financial plan is essential for everyone, including federal employees. Here’s an in-depth look at why ...