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Federal Employees

Financial Transition Planning for Harris Federal Clients

Your life and career took a different turn than expected, but don't worry, we are here to help you understand your options and create a new financial plan to make the most of it.

Schedule a Call
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Overview
Process
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For a disabled Federal Employee, your next step is to build a new financial plan that helps you...

Understand your Annuity Benefit Change your TSP from growth to income Understand private sector opportunities Protect against inflation Maximize FERS & social security Update your estate plan Understand your FEGLI options Avoid major market crashes Protect your annuity benefit from offsets Leave the legacy you hope to

During your free first meeting

You will better understand your annuity benefit, how it's taxed, how to avoid offsets, how to maximize your TSP and FEGLI and if you go to work in the private sector later, how to plan for that.

The Process

1

Share Your Story

We want to know all about you! Where your from, about your family and loved ones, what career you had as a federal employee, what work you would potentially like to do next (if at all), what new financial goals you have and what specific questions or concerns you'd like us to address as a transitioning federal employee.

Get a Plan

Full list of what is audited:

Current cash flow and budget

Desired retirement budget based on income needs and wants

Federal Disability Annuity Benefit and Offsets

Real estate holdings

FEGLI election change and conversion potential

Ideal state of residency for retirement

TSP options to leave it, withdrawal it or transfer it

Retirement tax strategies

Personal insurance policies (health, disability, life, long term care, umbrella, home, auto)

Investments (TSP, retirement, taxable, education, trusts, pensions)

Social Security and FERS/CSRS statements

Charitable giving

Tax returns

Estate planning (wills, trusts, powers of attorney)

Current professionals’ competency (accountant, attorney and investment, insurance advisors)

A comprehensive written plan of how to improve:

Every major part of your financials, so that you know exactly how to get the most out of your federal benefits and personal savings.

And don’t worry, we operate on results based planning so we will help implement each recommendation so that you can finally focus on what you love most and have true financial peace of mind.

Schedule a Call

2

Get a NEW Plan 

Fortunately, we’ve helped countless federal employees around the country better understand their federal benefits, annuity payments and TSP options. We can show you how to maximize your benefits, minimize the offsets, get your TSP working in a way that fits your goals best, make decisions on your federal insurance and protect your federal annuity benefits from private employment if you choose to go back to work.

Get a Plan

Full list of what is audited:

Current cash flow and budget

Desired retirement budget based on income needs and wants

Federal Disability Annuity Benefit and Offsets

Real estate holdings

FEGLI election change and conversion potential

Ideal state of residency for retirement

TSP options to leave it, withdrawal it or transfer it

Retirement tax strategies

Personal insurance policies (health, disability, life, long term care, umbrella, home, auto)

Investments (TSP, retirement, taxable, education, trusts, pensions)

Social Security and FERS/CSRS statements

Charitable giving

Tax returns

Estate planning (wills, trusts, powers of attorney)

Current professionals’ competency (accountant, attorney and investment, insurance advisors)

A comprehensive written plan of how to improve:

Every major part of your financials, so that you know exactly how to get the most out of your federal benefits and personal savings.

And don’t worry, we operate on results based planning so we will help implement each recommendation so that you can finally focus on what you love most and have true financial peace of mind.

Schedule a Call

3

Review Often

We meet with our clients at least once a year to help you stay proactive and review your financial planning goals so that you feel confident in your new financial future and can truly enjoy each year as they come. And we are available for clients throughout the year for phone or email support if something changes in your finances before your next meeting.

Get a Plan

Full list of what is audited:

Current cash flow and budget

Desired retirement budget based on income needs and wants

Federal Disability Annuity Benefit and Offsets

Real estate holdings

FEGLI election change and conversion potential

Ideal state of residency for retirement

TSP options to leave it, withdrawal it or transfer it

Retirement tax strategies

Personal insurance policies (health, disability, life, long term care, umbrella, home, auto)

Investments (TSP, retirement, taxable, education, trusts, pensions)

Social Security and FERS/CSRS statements

Charitable giving

Tax returns

Estate planning (wills, trusts, powers of attorney)

Current professionals’ competency (accountant, attorney and investment, insurance advisors)

A comprehensive written plan of how to improve:

Every major part of your financials, so that you know exactly how to get the most out of your federal benefits and personal savings.

And don’t worry, we operate on results based planning so we will help implement each recommendation so that you can finally focus on what you love most and have true financial peace of mind.

Schedule a Call

Simple, Transparent Pricing

Get the advice you need without any strings attached. We don’t accept payment unless we know we can add value!

No Upfront Fee

Free first meeting!

No charge for the first meeting for any Harris Federal client

Get your questions answered

Topics we cover for Federal Employees

Budgeting tips and cash flow planning

Federal Retirement Annuity Benefit & Offsets

TSP options to leave it, withdraw it or transfer it

FEGLI options to keep, reduce or convert

Private Sector employment and how it impacts your annuity benefit

FERS & CSRS Pension planning and maximization

Estate planning (wills, trusts, powers of attorney)

Schedule a Call
Ongoing Fee

% of investments

TSP transfer support + an annual review each year

Account’s Annual Advice Fee

$0-$500,000

1.5%

$500,000-$1,000,000

1.25%

$1,000,000-$2,000,000

1%

$2M+

.80%

*1 review a year if your account is under $500,000

Frequently Asked Questions

In case you have any other questions, simply book a call to get them answered. 

When is the right time to hire an Advisor?

When there is big change or new complexity, or you are within 10 years of retirement.

Retiring comfortably and with confidence takes a lot of work so you want to make sure you have a plan well ahead of time to do it right.

If you don’t know the exact month you can retire and how much income you will get and from where each month for life, then you should set up a meeting with an Advisor.

Why do I need a true retirement advisor, can’t my investment advisor or insurance agent or employer’s advisor tell me what I need to do?

Retirement planning isn’t the finish line, it’s half time. Climbing Everest is hard but descending Everest is downright dangerous! Over 50% of all deaths happen on the descent of a mountain.

A credentialed retirement planner (like Abri) knows all available routes in retirement and can help you avoid the major risks and truly have the retirement you hope for. A run of the mill investment or insurance advisor is only trained on their products or funds and isn’t equipped to guide you.

How is my significant other involved in this? Do you do generational planning?

We want to make sure your spouse is present (which can be virtual) for at least 1 of our two meetings a year to make sure the family is always on the same page financially.

We also want to save you the hard work of repeating everything that was covered because it can be a lot. So we normally CC both spouses in all relevant communication and each will have access to all planning technology to keep clear lines of communication open.

We also do generational planning, which means we can meet both you and your family (and even grandchildren if they are adults) to ensure that everything goes according to your wishes when you step out of the picture.

Are you a fiduciary?

Yes, we are! Abri and all its Advisors are Fiduciaries, which legally means that all advice we give has to be in your best interest!

Not only are we Fiduciaries, we are also fee-only, which means that when we are managing your investment or retirement accounts, we aren’t paid commissions or kickbacks or any other sort of weird, shady thing.

There are no hidden fees with Abri; we disclose everything so you never have to question the advice you get.

What certifications do you have?

Each Advisor on our team is required to have their EA and their CFP by year five of service.

But we apparently like school too much, so we also have other credentials like CPA, CLU, RICP, GBA, and JD on our team.

How does this fee schedule compare to others?

Our fee schedule is simply the industry standard that charges slightly more on smaller accounts and slightly less for larger accounts. But the big difference at Abri from our fee vs others is what you get for it.

Most money managers charge 1.5%-.5% to manage your money but you only get portfolio management for that fee.

At Abri for the same fee they charge, you get so much more! We provide full tax planning, estate planning and document drafting, insurance audits, investment management, tax loss harvesting, direct indexing, a meeting every six months and unlimited advice support during the year.

Fees definitely matter but if you’re going to pay someone for advice, you better get the most for your money!

I’m not tech savvy, so how do I understand what’s happening?

Each client gets access to a dynamic, 24/7 updated retirement income portal that is guided by a comprehensive, written financial plan. But ALL plans are summarized into one single page of financial values, net worth, retirement income plan, legacy projection, and action items.

So whether you log in online by web or phone or just look at the one-page PDF each year, you can stay current and know what your money is doing whenever you want.

How old should my advisor be?

You do NOT want your advisor to be close to the same age you are! You want your retirement planner to be 30 years younger than you, so that you don’t have to find a new advisor at 80 or 90 years old.

That means who you are working with today may not be the right advisor for your retirement because when you retire, they may be hoping to retire too.

What are your thoughts on insurance products in retirement?

Most financial products, portfolios, funds, or policies are created for a specific reason to fit a specific need. Fortunately at Abri, we don’t sell products, and as a fee-only, fiduciary, our job is to simply educate you on the pros and cons of every strategy or tool for retirement income, so you can decide what is the best option for you without having to worry about being sold something.

What is the cancellation policy?

Easy, you can cancel your services at any time, no questions asked!

We ask that we work together for at least 12 months to implement each recommendation, but nobody is the right fit for everybody, so we want to make sure it’s a great relationship for both sides. If down the road we’re not the right fit, simply let us know, and we’ll part ways. No fees or penalties to break up.

How often do we meet?

Each client has three meetings to start so that your Abri Advisor can hear your story, understand your current finances, provide education on best options to reach your goals, and help you begin to implement your strategic financial plan.

Once your plan is underway, you will have a Spring and Fall review so that you can be proactive and stay on track to your goals. If your account is below $500,000, then you’ll have one dedicated meeting a year.

But for all clients, no matter account size, in the event of any financial emergency or question, clients can always email or schedule a meeting to get the advice they need.

Do we have to meet in person?

Certainly not! We have clients in over 30 states and around the world, so most of our clients meetings are virtual meetings.

You are always welcome to meet with your Advisor in our office, but we can continue to help you no matter where you live or travel to.

Do you work with my other financial professionals?

We absolutely do! Our job is to be your financial quarterback who helps you manage your financial team. A strong financial team consists of an accountant, attorney, personal insurance agent, investment advisor, and banker. So if you have one of those you like and trust, we can work alongside them to keep your plan on track.

If you are missing one of those or want to upgrade one (or all) of them, we can provide introductions to professionals we trust and help you build the team you need.