Times are changing. Understand your benefits.

Federal Employees have been through a rollercoaster of uncertainty, from cryptic emails to layoffs. It's important to know your benefits.

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Your Benefits Explained.

Federal employees have a unique set of benefits that are often confusing to navigate.

As a Certified Financial Planner™ professional, Julia Naman can walk you through your retirement/pension benefits and design a retirement plan for you that suits your goals.

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Your Questions Answered.

- When can I retire?
- How much will my pension be worth?
- What are my survivor benefits?
- How should I be saving and investing?

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Financial Planner

CFP® certification is the standard of excellence for the financial planning profession.

Certified Financial Planner™ professionals must meet high education, experience, and examination requirements. CFP® professionals must uphold the principles of integrity, objectivity, competence, fairness and confidentiality.

Julia Naman also carries her Series 7 (Securities) and Series 66 (Investment Adviser Representative) licenses, as well as her Insurance License for Accident & Health or Sickness, Life, Variable Life, and Variable Annuities.

How We Can Help:

Financial Planning

Budgeting, cash flow analysis, assessing current financial situation, defining financial goals, net worth statement, debt management, lifestyle planning, major buy/sell decisions, risk tolerance review, asset allocation design, portfolio holdings review and portfolio analysis.

Tax Strategy

Tax strategy analysis, tax distribution analysis, gift tax analysis, and capital gain/loss analysis.

Insurance Planning

Life insurance review, disability insurance review, needs analysis, disability, long term-care, risk management and liability insurance.

Education Planning

Tuition planning, education account reviews, education funding.

Retirement Planning

Retirement accumulation planning, income analysis, longevity planning, retirement account review, distribution analysis.

Estate Planning

Estate planning review and analysis, gift strategies, multigenerational planning, philanthropic planning and legacy planning.

Business Planning

Business succession planning, business insurance review, disability protection options. This does not include business valuation services.

Annuity Planning

Please see our main page for our other invesment and planning services.

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Resources for Federal Employees:

California Unemployment Resources for Federal Employees: https://edd.ca.gov/en/unemployment/unemployment-benefits-for-federal-workers/
Government News & Resources: https://www.fedweek.com/
FERS Pension Computation: https://www.opm.gov/retirement-center/fers-information/computation/
TSP Calculators: https://www.tsp.gov/calculators/

Federal Employee Services