Every financial product is fully guaranteed with no risk to principal.
There are no upfront service charges or fees of any kind.
You never write a check to me. All of the information I provide, and my time, are always without charge.
If I cannot suggest a program that you believe will improve your financial future or will avoid an identified challenge, then I do not deserve to be paid. On the other hand, when we move forward together with a specific recommendation, I am compensated by the sponsoring company.
My business is helping federal employees address the gaps in their benefits, before and after retirement. I believe the most satisfying results, to my clients, is based on sharing the fundamentally sound financial principles that are available to every person who visits this website. I have been working with individuals and families since 1989 and represent over thirty leading providers of financial products.