Before you book a call.

Yes. Priorities and questions change over the course of a career. Early on, the focus is usually TSP contributions, Roth versus traditional decisions, and building a plan that can survive multiple overseas assignments. Later, the questions tend to shift toward pension elections, retirement timing, and income planning. The advice should change as the career does.

Yes. Foreign Service financial planning is the focus of this practice, not a niche we occasionally serve. The planning process is built around FSPS, TSP, overseas allowances, assignment-driven moves, and EFM career transitions because those are recurring issues for the families we serve.

You absolutely can. Many people who hire us are intelligent, organized, and perfectly capable of managing their own finances. They come to us because they want an experienced second set of eyes on decisions that can have long-term consequences: retirement timing, pension elections, tax strategy, investment allocation, and coordinating everything across a Foreign Service career. The goal isn't to replace your involvement. It's to make better decisions with less uncertainty.

Yes, and the practice is built for it. Meetings are virtual, usually via Microsoft Teams, and our scheduling link shows availability in your local time zone. Whether you're in Nairobi, Frankfurt, or Bogotá, we find a time that works at your post.

Yes. Dual-income households are common in the Foreign Service community, and we plan for the whole family. That includes 401(k)s, IRAs, equity compensation, and other private-sector accounts alongside TSP and FSPS. One coordinated plan, not two separate financial lives.

Everything we're paid comes from the people we work with, never from a fund company, bank, insurer, or custodian. We charge a flat fee for advisory work. No commissions. No revenue sharing. No fees tied to the size of your accounts.

Yes. We're fiduciaries, which means we're legally obligated to put our clients' interests first.

Every engagement includes a financial plan built around your goals, accounts, benefits, and upcoming decisions, along with a dashboard where the plan stays current as life changes. Investment management is optional and separate, so you only pay for it if you want us managing eligible investment accounts directly. The examples on our services & fees page show what engagements typically look like, and your exact fee is determined after we understand your situation.

No. Some clients are early in their careers and actively building wealth. Others are nearing retirement and have been diligent savers for many years. We don't believe access to advice should depend on crossing an arbitrary asset threshold.

That's perfectly fine. Some clients want ongoing meetings throughout the year, while others mainly want a trusted person to call when a major decision comes up. We scope the engagement around how much support you actually want and price it accordingly.

Both, depending on what you're looking for. We offer ongoing investment management as well as stand-alone advice. You don't have to roll over your accounts to work with us. Some accounts, like the TSP, can't be managed directly by any advisor, so we advise on those and manage the accounts that can be held at our custodian.

Possibly, but never without your consent. Your fee is documented in your advisory agreement and cannot be changed unilaterally. If your situation becomes substantially more complex, or if fees are adjusted over time, we'll discuss it with you beforehand and document any change in writing.

You can stop whenever you'd like. Our advisory agreement has no long-term commitment and no termination fee: either of us can end the engagement at any time, and you only pay for the service you've received. The same goes for one-time plans.

No. The first call is a conversation, not a paperwork review. Most people aren't fully organized when they reach out, and that's completely fine. If we decide to work together, we'll help you get organized after. That's part of what the planning portal is for.

Yes. Confidentiality is foundational to the relationship. Your information is never sold or shared for marketing, and we use secure systems designed for handling sensitive financial information. You'll receive our privacy notice before becoming a client.

Documents are shared through your encrypted planning portal, never as email attachments, and the portal is protected by multi-factor authentication. We never ask for your account logins or passwords. Managed assets are held at a third-party custodian in your own name, so we never take custody of your funds.

No. Your accounts stay at a U.S. custodian in your own name, and working with a fiduciary adviser is routine for federal employees. Where a recommendation would create something you have to report, we tell you when we make it, not when the form is due. Your ethics official has the final say on what's reportable, but you shouldn't be hearing about it from them first.

Foreign Service careers are predictable in direction and unpredictable in timing. A new post, promotion, allowance change, or unexpected expense can quickly make last year's plan obsolete. Ongoing planning means the advice changes when your circumstances do.