Federal Retirement Planning, Refined
Many people approach retirement asking, “what now?”—content to simply stop working and hope their savings are enough. Our clients learn to expect more. They want their retirement to be intentional, optimized, and built to thrive.
At Better Federal Retirement we follow a mandate of Sophisticated Simplicity. We help our clients turn complex benefits and investment options into a cohesive, purpose-driven wealth strategy. As a Certified Financial Fiduciary® and Federal Retirement Consultant®, Nigel Valdez provides guidance grounded in independence, precision, and long-term partnership.
Where We (Usually) Start
Most of our clients have built their own success. They’ve managed their investments, navigated their benefits, and made thoughtful financial decisions on their own. For many, Better Federal Retirement is the first truly holistic advisory relationship they’ve ever experienced.
That’s why we start simply—with a chance to “kick the tires.”
Our introductory process is designed to give you genuine value, not a sales pitch.
It begins with a 10–20 minute Discovery Call where we learn more about your goals and determine whether there’s a potential fit. Generally our clients are within ten years of retirement and have at least $250,000 (preferably $500,000+) in investable assets. If there’s a potential fit, we’ll move forward with a Federal Retirement Benefits Analysis (FRBA).
A Free Federal Retirement Benefits Analysis
Discover if you’re on track for a Better Federal Retirement
The FRBA includes personalized pension and Social Security estimates and an Income Gap Assessment—giving you a “10,000-foot view” of your retirement readiness. You’ll see whether or not you’re on-track, and much more.
In the Discovery Call Nigel will gather information for the FEBA, then you’ll schedule a 60–90 minute follow-up meeting, where Nigel walks you through your results as if you were already a client. This is your opportunity to experience the depth, clarity, and fiduciary care that define our work—no pressure, no sales agenda. At the end, one of two things happens: we agree that it’s the right fit and discuss next steps, or we part ways as friends, with you having gained insight and confidence.
Determine Your Retirement Income Style
The RISA assessment can help personalize your retirement plan
You can also begin with a RISA® profile—a research-backed assessment that helps identify your retirement income personality and the strategies that best align with your natural preferences.
Either way, your first step with Better Federal Retirement is designed to inform, not to sell—and to give you a real sense of what working with a fiduciary truly feels like.
Better Federal Retirement Plan
Holistic, Tax-efficient retirement planning for federal employees
At Better Federal Retirement, we take a comprehensive and personalized approach to guiding federal employees toward their ideal retirement for one fee of $1,495.
We use a three-phase process and The Bucket Plan® framework, to ensure no detail is overlooked in creating an income plan that is efficient and sustainable throughout your retirement.
- Assess Your Federal Employee Retirement Benefits: A thorough review of your retirement benefits and your individualized goals gives us the foundation to craft a plan for you.
- Design Your Better Federal Retirement Plan: After we assess your needs and benefits, we’ll gather any additional income information and put together a robust plan for your retirement to help you achieve your desired lifestyle.
- Implement Evidence-Based Wealth Management: Once your customized federal retirement plan is in place, we’ll implement our advanced yet understandable investment approach to grow and protect your wealth.
TSP Master Plan
As true “nerds” of the federal compensation system, we relish diving deep into the details of your TSP investments. Our TSP Master Plan service provides meticulous fund analysis and allocation recommendations to maximize your returns and income for a one-time fee of $400.
Family Estate Organizer
Ensure your legacy is passed on properly with this documentation of your estate wishes, assets, final instructions, and so much more — all carefully prepared in a single organizer for a one-time fee of $500.
Start working towards a Better Federal Retirement today!
Want an experienced partner you can trust to protect your interests and provide a holistic financial plan to help maximize your benefits?
ou can have both by scheduling a free call with our team today!
