Federal Employees | Fee-Only Fiduciary
Federal Employee Financial Advisor
Fee-only financial planning and investment management for federal employees navigating FERS, the Thrift Savings Plan, Social Security, taxes, and retirement decisions.
Schedule an Intro Call Services & FeesFinancial Planning for Federal Employees
Federal employees can have financial decisions that differ from those of employees in the private sector. FERS benefits, the Thrift Savings Plan, Social Security, federal health benefits, life insurance, and retirement timing all need to be considered together.
Inclinevest works with professionals and families who want to coordinate retirement benefits, investments, taxes, and long-term financial goals within one ongoing financial plan.
The firm is based in Greenwood Village, Colorado and works with households throughout Colorado and nationwide. Most meetings are conducted virtually.
Federal Employee Planning
Financial Decisions That Often Require Coordination
FERS Retirement Benefits
Coordinating pension benefits, retirement timing, Social Security, personal investments, and other sources of retirement income.
Thrift Savings Plan
Evaluating TSP contributions, investment choices, Roth and traditional balances, and how the TSP fits into your broader investment strategy.
Social Security
Considering Social Security claiming decisions alongside your federal pension, TSP, IRA, taxable investments, and retirement income needs.
Federal Benefits
Incorporating retirement-related benefits, health coverage, life insurance, and other federal benefits into a broader financial plan.
Tax Planning
Evaluating tax-efficient withdrawals, Roth conversions, capital gains, charitable strategies, and the tax impact of different retirement decisions.
Investment Management
Coordinating TSP, IRAs, taxable investments, and other accounts around your goals, time horizon, risk tolerance, taxes, and cash flow needs.
Federal Retirement
Planning for Retirement as a Federal Employee
Retirement planning can become more complicated when a federal pension is combined with TSP assets, Social Security, IRAs, taxable investments, and other sources of income.
Inclinevest helps coordinate these decisions with your broader retirement strategy, including when to retire, how to use different accounts, how to manage taxes, and how to generate sustainable retirement income.
Learn more about retirement income planning and retirement planning.
Federal retirement planning may include:
- FERS pension and retirement timing
- TSP contribution and investment decisions
- Traditional and Roth retirement accounts
- Social Security claiming decisions
- Roth conversions and tax planning
- Retirement income and cash flow
- Investment management through retirement
Who We Serve
Federal Employees With Complex Financial Decisions
Inclinevest works with professionals and families who want ongoing financial planning and investment management rather than one-time advice or a self-directed investment approach.
Federal Employees
Employees making decisions around FERS, TSP, Social Security, benefits, taxes, investments, and retirement timing.
Defense & Aerospace Professionals
Federal employees, contractors, engineers, and executives whose careers intersect with the aerospace and defense industry.
Pre-Retirees & Retirees
Households approaching retirement or already retired who need an integrated investment, income, and tax strategy.
Fee-Only Fiduciary
Why Work With a Fee-Only Fiduciary?
Inclinevest is a fee-only fiduciary financial planning and investment management firm. The firm is compensated directly for its services rather than through commissions or third-party product compensation.
Fee-Only
Compensation comes directly from households for financial planning and investment management services.
Fiduciary
Inclinevest serves as a fiduciary when providing investment advice, with an obligation to act in the client's best interest.
Ongoing Relationship
Financial planning and investment management continue as compensation, taxes, investments, benefits, and goals change over time.
Investment Management
Investment Management Alongside Federal Retirement Planning
Investment management is coordinated with the financial plan rather than treated as a separate decision. Portfolios are managed around goals, time horizon, risk tolerance, taxes, cash flow needs, and other relevant circumstances.
This can be particularly important when retirement assets are spread across TSP, IRAs, taxable investments, and other accounts.
Investment planning may include:
- Asset allocation and diversification
- TSP and retirement account coordination
- Tax-aware portfolio management
- Cash flow and liquidity planning
- Portfolio rebalancing
- Retirement withdrawal planning
- Investment management at Charles Schwab
Frequently Asked Questions
Federal Employee Financial Advisor Questions
What does a federal employee financial advisor do?
A federal employee financial advisor helps coordinate decisions involving FERS, the TSP, Social Security, federal benefits, taxes, investments, and retirement income. The specific planning depends on your benefits, assets, compensation, and financial goals.
Can you help with FERS retirement planning?
Yes. Financial planning can incorporate FERS pension benefits, retirement timing, Social Security, TSP assets, IRAs, taxable investments, and other sources of retirement income.
Can you help with the Thrift Savings Plan?
Yes. Planning can include TSP contributions, investment choices, traditional and Roth balances, and how the TSP fits into your broader retirement and investment strategy.
Can you help federal employees decide when to retire?
Yes. Retirement timing can be evaluated in the context of pension benefits, TSP and other assets, Social Security, taxes, healthcare and insurance considerations, cash flow, and long-term financial goals.
Do you work with federal employees outside Colorado?
Yes. Inclinevest works with households throughout the United States. Most meetings are conducted virtually.
Are you a fee-only financial advisor?
Yes. Inclinevest is a fee-only financial planning and investment management firm. The firm is compensated directly for its services rather than through commissions or third-party product compensation.
Do you provide investment management?
Yes. Inclinevest provides ongoing investment management alongside financial planning. Portfolios are managed based on your financial plan, goals, time horizon, risk tolerance, taxes, and other relevant circumstances.
Talk Through Your Situation
If you are navigating FERS, TSP, Social Security, taxes, or retirement decisions as a federal employee, schedule a conversation to discuss your situation and determine whether Inclinevest is a fit.
Schedule an Intro Call