We specialize in reviewing key federal employee benefits including FEGLI life insurance, FERS and CSRS pensions, Thrift Savings Plan (TSP), Federal Employees Health Benefits (FEHB), and survivor benefits to help you maximize your retirement income and protection.

Our process includes three steps: Connect (initial meeting to understand your financial situation and goals), Create (detailed analysis and customized plan development), and Complete (implementing the plan and ongoing monitoring).

Yes, you can easily schedule a free virtual or in-person consultation through our Calendly-based online booking system available on our website.

Yes, we provide hands-on paperwork assistance for TSP transfers, distributions, and disability retirement applications to ensure your processes are handled accurately and efficiently.

Our founder, Dave Harewood, holds a New Jersey Life Insurance Producer License, the Federal Retirement Consultant (FRC) designation, and Certification in Long-Term Care (CLTC), reflecting specialized expertise in federal benefits and long-term care planning.

Yes, although based in Bloomfield, NJ, we serve clients across the United States primarily through virtual consultations, making our services accessible regardless of location.

We assist families by creating strategies to manage college costs through financial aid positioning, scholarship and grant guidance, and funding plans that protect retirement savings and reduce reliance on student loans.

We guide clients through term, whole, and universal life insurance policies, focusing on optimizing coverage to meet goals such as income replacement, estate planning, and debt payoff.

We provide consultations on traditional and hybrid long-term care insurance policies, helping clients balance premium costs and benefits to protect assets and family from the financial impact of extended care needs.

The Infinite Banking Concept uses specially structured life insurance policies as a personal financing system. We design policies that build cash value and offer strategic borrowing options to enhance long-term wealth and liquidity.

Yes, we provide ongoing policy reviews and retirement planning sessions to ensure your financial strategy remains aligned with your goals and adapts to any changes.

You will receive an expert evaluation of your current federal benefits package, including analysis of coverage gaps, income projections, and explanations of complex options to help you make informed retirement decisions.

The initial consultation is complimentary, allowing you to discuss your situation and goals without any obligation before deciding on further services.

We offer a complimentary debt assessment that explores strategies to eliminate debt faster, reduce monthly interest costs, and potentially pay off your home within 7-9 years.

Our firm combines rare specialization in federal employee benefits with certifications such as FRC and CLTC, a structured Connect-Create-Complete process, hands-on paperwork assistance, and a client-centered approach to create personalized, actionable financial plans.

Yes, we provide guidance on Medicare options and how they fit into your overall retirement and health coverage strategy.

Our services are provided in English to serve our national client base effectively.

We take time to connect personally, understand your unique goals, and carefully analyze your financial picture before creating a customized plan that aligns with your priorities and circumstances.