Our Process

Yes, we can. Our firm is equipped to meet with clients and potential clients through the video conferencing software, Zoom. Each meeting is protected by a unique password and we adhere to the strict security guidelines necessary to protect your privacy.  

GT Wealth is an independent, fee‑only fiduciary firm. That means I’m paid only by the clients I serve, I don’t earn commissions or product kickbacks, and my advice must be in your best interest.

Here’s what working together actually looks like:

• We start with your Federal Retirement Blueprint (complimentary). One conversation to understand your benefits, savings, and goals, and to see whether there’s a real decision to be made around retirement.
• If it’s a fit, we move into a Federal Retirement Readiness Roadmap (flat fee). Over several Zoom meetings, we build your detailed retirement income, investment, and tax plan together, based on your FERS/CSRS pension, TSP, Social Security, and FEHB.
• From there, we stay in your corner through an ongoing partnership.

Most clients meet with me at least twice per year, with email access in between, so we can adjust as markets, tax laws, and your life change.

I’m based in Pennsylvania but work virtually with federal employees across the country.

The goal is simple: you feel confident, clear, and in control of your retirement decisions, not guessing or going it alone.

I keep my fees simple, transparent, and directly tied to the work I do for you.

There are three ways I work with federal employees and families:

1. One-time Federal Retirement Readiness Roadmap

If you want a detailed retirement and tax plan before deciding on an ongoing relationship, we start with a one‑time project.

Flat planning fee: $2,500 to $5,000

Most federal couples are at $2,500. More complex households with multiple pensions, larger balances, or advanced tax work are at the higher end. You will always see and approve your exact fee before we start.

This covers a 3–4 month process where we build your retirement income, investment, and tax plan together, based on your actual FERS or CSRS benefits, TSP, Social Security, and FEHB.

If you decide to move forward with ongoing investment management within a set period after completing your Roadmap, I apply a credit toward your first year’s advisory fees. I explain exactly how that works before you decide.

2. Ongoing Investment Management (AUM)

If you’d like me to manage your investments and coordinate your retirement and tax planning on an ongoing basis, I charge a percentage of the investments I manage, debited directly from your accounts:

• 1.25% on the first $500,000
• 1.00% on the next $500,000
• 0.75% from $1,000,000 to $3,000,000
• 0.50% on anything over $3,000,000

This fee includes retirement income planning, investment management, tax planning, and coordination with your other professionals. There are no separate fees for meetings, emails, or ongoing advice.

3. Planning-Only Relationship

If you prefer to keep managing your own investments (for example, leaving assets in the TSP), we can work together on a planning-only basis.

Flat planning fee: $2,500 to $5,000 for your initial Federal Retirement Readiness Roadmap

Then an ongoing planning retainer starting at $300 per month, depending on complexity

This option focuses on retirement income, tax strategy, and major decision support, while you implement the investment piece yourself.

At GT Wealth, I’m fee-only and act as a fiduciary at all times:

• I do not receive commissions, kickbacks, or referral fees
• I am paid only by the clients I serve
• You will always know the fee before you agree to anything

The goal is simple: you should understand exactly how I’m compensated and feel confident that my advice is aligned with your best interest.

My goal is to help you experience more freedom and less stress about money, especially around the decisions that are unique to federal employees.

That means taking the retirement planning work off your plate, so you can focus on the life you want to live.

I help clients with:

• Federal pension and survivor decisions. Making sense of your FERS or CSRS options, survivor benefits, and how those choices affect lifetime income and security for the spouse who lives longer.
• TSP and IRA withdrawal planning. Building a year‑by‑year “retirement paycheck” from TSP, IRAs, and other accounts so you know what to spend, when, and from where.
• Tax and Roth strategy. Designing a practical plan for Roth conversions, withdrawal order, and bracket management in the years before RMDs and full Social Security.
• FEHB and Medicare coordination. Clarifying how to handle FEHB in retirement, when and whether to enroll in Medicare, and what that means for each of you over time.
• Investment alignment for TSP and outside accounts. Checking how you are invested today against what your income plan actually needs and adjusting to better match risk and cash flow.
• Survivor and “what‑if” scenarios. Showing what happens to the pension, Social Security, FEHB, and taxes if one of you passes away early or needs care, so the survivor is not blindsided.
• Plain‑English plan and checklist. Pulling everything together into a written Roadmap and a clear action checklist, so you know exactly what to do over the next 12–24 months.

And anything else it takes to help you move forward with clarity, confidence, and control in this next chapter.

Yes, and it's a core part of what we do.

Our goal is to reduce your total lifetime tax bill, not just react at filing time. We take a proactive approach by helping you identify opportunities to optimize how you earn, spend, and invest so more of your money stays working for you.

While we don’t prepare or file your tax return, we collaborate with your CPA or tax professional to make sure the strategy and execution are aligned.

Your investments are held at Charles Schwab, an independent custodian. That means your accounts remain in your name, fully owned and accessible by you.

We serve as your advisor with limited authority to manage those accounts on your behalf always with transparency and your permission. We don’t work for Schwab, and we don’t earn commissions. Our role is to guide you with objective advice that puts your goals, values, and future first.