{"id":17,"date":"2026-05-10T16:18:45","date_gmt":"2026-05-10T16:18:45","guid":{"rendered":"https:\/\/fsowealth.com\/?page_id=17"},"modified":"2026-08-03T11:14:09","modified_gmt":"2026-08-03T11:14:09","slug":"home","status":"publish","type":"page","link":"https:\/\/fsowealth.com\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"17\" class=\"elementor elementor-17\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b64f9d7 e-con-full e-flex e-con e-parent\" data-id=\"2b64f9d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6687df elementor-widget elementor-widget-html\" data-id=\"f6687df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Lora:ital,wght@0,500;0,600;0,700;1,500&family=Inter+Tight:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n\n<style>\n.fso-home-hero-wrap {\n  width: 100%;\n  background: #F7FAF9;\n  font-family: \"Inter Tight\", \"Inter\", sans-serif;\n  padding: 72px 24px 80px;\n  box-sizing: border-box;\n}\n\n.fso-home-hero-wrap *,\n.fso-home-hero-wrap *::before,\n.fso-home-hero-wrap *::after { box-sizing: border-box; }\n\n.fso-home-hero-inner {\n  max-width: 1220px;\n  margin: 0 auto;\n  width: 100%;\n}\n\n.fso-home-hero-content {\n  max-width: 880px;\n}\n\n\/* Eyebrow: plain text (the nav is already a pill, so no badge here) *\/\n.fso-home-hero-eyebrow {\n  display: flex;\n  align-items: center;\n  gap: 10px;\n  margin: 0 0 34px;\n  opacity: 0;\n  animation: fsoRise 0.6s ease forwards;\n  animation-delay: 0.05s;\n}\n\n.fso-home-hero-eyebrow-dot {\n  width: 7px;\n  height: 7px;\n  border-radius: 999px;\n  background: #14B8A6;\n  flex-shrink: 0;\n}\n\n.fso-home-hero-eyebrow-text {\n  color: #5F6F76;\n  font-size: 14px;\n  font-weight: 800;\n  letter-spacing: 0.1em;\n  text-transform: uppercase;\n}\n\n.fso-home-hero-eyebrow-text strong {\n  color: #0B1F2A;\n  font-weight: 800;\n}\n\n\/* Small brush variant sized for the eyebrow text *\/\n.fso-underline-accent--sm {\n  position: relative;\n  display: inline-block;\n  white-space: nowrap;\n  padding-bottom: 4px;\n}\n\n.fso-underline-accent--sm .fso-underline-svg {\n  position: absolute;\n  left: -3%;\n  top: 78%;\n  width: 106%;\n  height: 9px;\n  overflow: visible;\n  pointer-events: none;\n}\n\n\/* Headline in Lora to match the rest of the page.\n\n   LCP NOTE: this element is almost certainly the largest contentful\n   paint on the page. 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transform: translateY(10px); }\n  to   { opacity: 1; transform: translateY(0); }\n}\n\n@keyframes fsoRiseSolid {\n  from { transform: translateY(10px); }\n  to   { transform: translateY(0); }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .fso-home-hero-eyebrow,\n  .fso-home-hero-heading,\n  .fso-home-hero-subtext,\n  .fso-home-hero-actions {\n    animation: none;\n    opacity: 1;\n    transform: none;\n  }\n\n  .fso-underline-brush {\n    animation: none;\n    clip-path: inset(0 0 0 0);\n  }\n\n  .fso-word-fade {\n    animation: none;\n  }\n\n  .fso-home-hero-button,\n  .fso-home-hero-arrow {\n    transition: none;\n  }\n\n  .fso-rotator-toggle {\n    display: none;\n  }\n}\n\n@media (max-width: 767px) {\n  .fso-home-hero-wrap {\n    padding: 56px 18px 64px;\n  }\n\n  .fso-home-hero-eyebrow {\n    margin-bottom: 28px;\n  }\n\n  .fso-home-hero-eyebrow-text {\n    font-size: 12px;\n    letter-spacing: 0.1em;\n  }\n\n  .fso-home-hero-heading {\n    font-size: clamp(36px, 9.5vw, 50px) !important;\n    margin-bottom: 26px !important;\n  }\n\n  .fso-home-hero-subtext {\n    font-size: 18px;\n  }\n\n  .fso-home-hero-button {\n    width: 100%;\n    justify-content: center;\n  }\n\n  .fso-home-hero-actions {\n    width: 100%;\n  }\n\n  .fso-nowrap {\n    white-space: normal;\n  }\n\n  .fso-underline-accent {\n    padding-bottom: 14px;\n  }\n\n  .fso-underline-svg {\n    top: 86%;\n    height: 26px;\n  }\n}\n<\/style>\n\n<section class=\"fso-home-hero-wrap\">\n  <div class=\"fso-home-hero-inner\">\n    <div class=\"fso-home-hero-content\">\n\n      <div class=\"fso-home-hero-eyebrow\">\n        <span class=\"fso-home-hero-eyebrow-dot\"><\/span>\n        <span class=\"fso-home-hero-eyebrow-text\">\n          Financial planning for the\n          <span class=\"fso-underline-accent--sm\">\n            <strong>Foreign Service community<\/strong>\n            <svg class=\"fso-underline-svg\" viewBox=\"0 0 500 44\" preserveAspectRatio=\"none\" aria-hidden=\"true\">\n              <path\n                class=\"fso-underline-brush\"\n                d=\"\n                  M 5 28\n                  C 70 18, 145 12, 225 12\n                  C 310 12, 410 15, 492 24\n                  C 496 25, 498 30, 493 33\n                  C 408 35, 318 32, 224 31\n                  C 136 30, 62 31, 8 35\n                  C 1 35, -1 30, 5 28\n                  Z\n                \"\n              \/>\n            <\/svg>\n          <\/span>\n        <\/span>\n      <\/div>\n\n      <h1 class=\"fso-home-hero-heading\" style=\"font-family: 'Lora', Georgia, 'Times New Roman', serif !important;\">\n        Wherever you are posted, know where you stand.\n      <\/h1>\n\n      <p class=\"fso-home-hero-subtext\">\n        <span class=\"fso-sr-only\">Help with your TSP, your FSPS annuity, your investment strategy, overseas allowances, EFM career changes, Roth vs. traditional savings, rental income while at post, home leave and R&amp;R planning, your next PCS, uneven cash flow, dual-career families, Social Security timing, college savings, and legacy planning.<\/span>\n        <span aria-hidden=\"true\">\n          Help with <span class=\"fso-home-hero-rotator\" data-fso-rotator>your TSP<\/span>\n        <\/span>\n        <button type=\"button\" class=\"fso-rotator-toggle\" data-fso-rotator-toggle aria-pressed=\"false\" aria-label=\"Pause the rotating list of planning topics\" hidden>\n          <svg class=\"fso-icon-pause\" viewBox=\"0 0 12 12\" aria-hidden=\"true\"><rect x=\"2\" y=\"1.5\" width=\"3\" height=\"9\" rx=\"1\"\/><rect x=\"7\" y=\"1.5\" width=\"3\" height=\"9\" rx=\"1\"\/><\/svg>\n          <svg class=\"fso-icon-play\" viewBox=\"0 0 12 12\" aria-hidden=\"true\"><path d=\"M3 1.5 L10.5 6 L3 10.5 Z\"\/><\/svg>\n        <\/button>\n      <\/p>\n\n      <div class=\"fso-home-hero-actions\">\n        <a class=\"fso-home-hero-button\" href=\"\/schedule\/\">\n          Schedule a Call\n          <span class=\"fso-home-hero-arrow\" aria-hidden=\"true\">&rarr;<\/span>\n        <\/a>\n\n        <div class=\"fso-home-hero-note\">\n          <strong>Generic advice is everywhere.<\/strong> Yours shouldn't be.\n        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<script>\n(function () {\n  if (window.fsoHeroInit) return;\n  window.fsoHeroInit = true;\n\n  var WORDS = [\n    \"your TSP\",\n    \"your FSPS annuity\",\n    \"your investment strategy\",\n    \"overseas allowances\",\n    \"EFM career changes\",\n    \"Roth vs. traditional savings\",\n    \"rental income while at post\",\n    \"home leave and R&R planning\",\n    \"your next PCS\",\n    \"uneven cash flow\",\n    \"dual-career families\",\n    \"Social Security timing\",\n    \"college savings\",\n    \"legacy planning\"\n  ];\n\n  var INTERVAL = 2400;\n\n  function lockWidth(el) {\n    \/\/ Below 768px the longest phrases are wider than the column, so\n    \/\/ reserving space would force horizontal scroll. 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Three parallel claims are a list, and list markup is\n   what lets parsers and screen readers count them as three items\n   rather than one run-on line. *\/\n.fso-trust-inner {\n  max-width: 1220px;\n  margin: 0 auto;\n  padding: 24px 0 0;\n  list-style: none;\n  display: flex;\n  flex-wrap: wrap;\n  align-items: center;\n  justify-content: flex-start;\n  gap: 12px 24px;\n  border-top: 1px solid #E5E7EB;\n}\n\n.fso-trust-item {\n  display: inline-flex;\n  align-items: center;\n  gap: 9px;\n  color: #5F6F76;\n  font-size: 13px;\n  line-height: 1;\n  font-weight: 600;\n  letter-spacing: 0.02em;\n  transition: color 0.3s ease;\n}\n.fso-trust-item:hover {\n  color: #0B1F2A;\n}\n\n\/* Dividers are drawn with a pseudo-element instead of empty <span>\n   elements. Purely decorative marks should not exist in the DOM as\n   nodes an assistive technology has to step over. *\/\n.fso-trust-item + .fso-trust-item::before {\n  content: \"\";\n  width: 1px;\n  height: 12px;\n  margin-right: 24px;\n  background: #E5E7EB;\n  flex: 0 0 auto;\n}\n\n.fso-trust-dot {\n  width: 6px;\n  height: 6px;\n  border-radius: 999px;\n  background: #14B8A6;\n  flex: 0 0 auto;\n  transition: transform 0.3s ease, box-shadow 0.3s ease;\n}\n.fso-trust-item:hover .fso-trust-dot {\n  transform: scale(1.4);\n  box-shadow: 0 0 0 4px rgba(20, 184, 166, 0.15);\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .fso-trust-item,\n  .fso-trust-dot {\n    transition: none;\n  }\n  .fso-trust-item:hover .fso-trust-dot {\n    transform: none;\n  }\n}\n\n@media (max-width: 767px) {\n  .fso-trust-strip {\n    padding: 8px 18px 48px;\n  }\n  .fso-trust-inner {\n    flex-direction: column;\n    align-items: flex-start;\n    gap: 10px;\n  }\n  .fso-trust-item + .fso-trust-item::before {\n    display: none;\n  }\n}\n<\/style>\n\n<section class=\"fso-trust-strip\" aria-label=\"How this practice is structured\">\n  <ul class=\"fso-trust-inner\">\n    <li class=\"fso-trust-item\">\n      <span class=\"fso-trust-dot\" aria-hidden=\"true\"><\/span>\n      Fee-only fiduciary\n    <\/li>\n    <li class=\"fso-trust-item\">\n      <span class=\"fso-trust-dot\" aria-hidden=\"true\"><\/span>\n      Virtual-first, across every post\n    <\/li>\n    <li class=\"fso-trust-item\">\n      <span class=\"fso-trust-dot\" aria-hidden=\"true\"><\/span>\n      No account minimums\n    <\/li>\n  <\/ul>\n<\/section>\n\n\n<!-- ============ 2. SCHEMA ADDITIONS ============ -->\n<!--\n     These go INSIDE the existing FinancialService object in the hero\n     block. Add them as siblings of \"serviceType\". Do not create a\n     new <script> tag.\n\n     hasOfferCatalog is the canonical schema.org way to say \"here are\n     the services this organization offers.\" serviceType is a flat\n     list of strings; an OfferCatalog gives each service its own node\n     that other markup can reference later.\n\n     HELD BACK, add only after the legacy percentage arrangement is\n     converted. The property is valid on FinancialService and names no\n     figure, but the claim is categorical and is not accurate today:\n\n       \"feesAndCommissionsSpecification\": \"Flat fee paid directly by\n       the client. No commissions, no product sales, and no fee based\n       on assets under management.\",\n-->\n\n<script type=\"application\/ld+json\">\n{\n  \"hasOfferCatalog\": {\n    \"@type\": \"OfferCatalog\",\n    \"name\": \"Services\",\n    \"itemListElement\": [\n      {\n        \"@type\": \"Offer\",\n        \"itemOffered\": {\n          \"@type\": \"Service\",\n          \"name\": \"Ongoing Financial Planning\",\n          \"description\": \"Flat-fee financial planning for Foreign Service officers and Eligible Family Members, covering TSP, the FSPS annuity, overseas allowances, and cash flow across posts.\"\n        }\n      },\n      {\n        \"@type\": \"Offer\",\n        \"itemOffered\": {\n          \"@type\": \"Service\",\n          \"name\": \"Investment Management\",\n          \"description\": \"Discretionary management of accounts held at a third-party custodian, offered separately from financial planning.\"\n        }\n      },\n      {\n        \"@type\": \"Offer\",\n        \"itemOffered\": {\n          \"@type\": \"Service\",\n          \"name\": \"Retirement Planning\",\n          \"description\": \"FSPS annuity elections, TSP drawdown, and Social Security timing for Foreign Service households.\"\n        }\n      },\n      {\n        \"@type\": \"Offer\",\n        \"itemOffered\": {\n          \"@type\": \"Service\",\n          \"name\": \"Tax Planning\",\n          \"description\": \"Roth and traditional contribution strategy, rental income while at post, and year-end planning.\"\n        }\n      }\n    ]\n  },\n\n  \"additionalType\": \"https:\/\/en.wikipedia.org\/wiki\/Registered_investment_adviser\"\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66a19392 e-con-full e-flex e-con e-parent\" data-id=\"66a19392\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0fb37b elementor-widget elementor-widget-html\" data-id=\"b0fb37b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Lora:ital,wght@0,500;0,600;0,700;1,500;1,600&family=Inter+Tight:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n\n<style>\n.fso-pains-section {\n  --paper: #F7FAF9;\n  --white: #FFFFFF;\n  --ink: #0B1F2A;\n  --muted: #3F4E55;\n  --muted-2: #5F6F76;\n  --border: #E7EBEA;\n  --accent: #14B8A6;\n  --accent-deep: #0D9488;\n  --accent-tint: rgba(20,184,166,0.05);\n  --ease: cubic-bezier(0.65, 0, 0.35, 1);\n\n  width: 100%;\n  background: var(--paper);\n  border-bottom: 1px solid var(--border);\n  padding: 100px 24px;\n  font-family: \"Inter Tight\", \"Inter\", sans-serif;\n  box-sizing: border-box;\n}\n\n.fso-pains-section *,\n.fso-pains-section *::before,\n.fso-pains-section *::after { box-sizing: border-box; }\n\n.fso-pains-wrap { max-width: 1040px; margin: 0 auto; }\n\n.fso-pains-header {\n  display: block !important;\n  text-align: center !important;\n  width: 100% !important;\n  max-width: none !important;\n  margin: 0 auto 56px !important;\n  float: none !important;\n}\n\n.fso-pains-kicker {\n  display: inline-flex !important;\n  align-items: center;\n  justify-content: center;\n  gap: 8px;\n  width: auto !important;\n  margin: 0 auto 20px !important;\n  color: var(--accent-deep);\n  font-size: 12px;\n  font-weight: 800;\n  letter-spacing: 0.16em;\n  text-transform: uppercase;\n  text-align: center !important;\n}\n.fso-pains-kicker::before,\n.fso-pains-kicker::after {\n  content: \"\";\n  width: 16px;\n  height: 1px;\n  background: var(--accent);\n}\n\n.fso-pains-headline {\n  display: block !important;\n  width: 100% !important;\n  text-align: center !important;\n  color: var(--ink);\n  font-family: \"Lora\", Georgia, serif;\n  font-size: clamp(34px, 4vw, 52px);\n  line-height: 1.15;\n  letter-spacing: -0.01em;\n  font-weight: 600;\n  margin: 0 0 16px !important;\n}\n.fso-pains-headline-accent { color: var(--accent-deep); 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}\n\n.fso-pain-summary {\n  list-style: none;\n  display: flex;\n  align-items: flex-start;\n  gap: 22px;\n  padding: 26px 26px 26px 30px;\n  cursor: pointer;\n  -webkit-tap-highlight-color: transparent;\n}\n.fso-pain-summary::-webkit-details-marker { display: none; }\n.fso-pain-summary::marker { content: \"\"; }\n.fso-pain-summary:focus-visible {\n  outline: 2px solid var(--accent);\n  outline-offset: -2px;\n  border-radius: 12px;\n}\n\n.fso-number {\n  font-family: \"Lora\", Georgia, serif;\n  font-style: italic;\n  font-weight: 500;\n  font-size: 26px;\n  line-height: 1;\n  color: #C6D3D1;\n  min-width: 34px;\n  padding-top: 2px;\n  transition: color 0.3s var(--ease);\n  user-select: none;\n}\n.fso-pain-row[open] .fso-number { color: var(--accent-deep); }\n\n\/* Problem statements are h3 so the section carries a heading\n   outline under the h2 headline. Font is reset because themes\n   commonly style headings globally. *\/\n.fso-problem-text {\n  color: var(--ink);\n  font-family: \"Inter Tight\", \"Inter\", sans-serif;\n  font-size: clamp(16.5px, 1.15vw, 18.5px);\n  line-height: 1.45;\n  font-weight: 500;\n  letter-spacing: 0;\n  margin: 0;\n  flex: 1;\n  padding-top: 3px;\n  overflow-wrap: break-word;\n}\n\n.fso-toggle-icon {\n  position: relative;\n  width: 18px;\n  height: 18px;\n  min-width: 18px;\n  margin-top: 6px;\n  color: var(--muted-2);\n  transition: color 0.3s var(--ease);\n}\n.fso-toggle-icon::before,\n.fso-toggle-icon::after {\n  content: \"\";\n  position: absolute;\n  background: currentColor;\n  border-radius: 2px;\n}\n.fso-toggle-icon::before {\n  top: 50%; left: 0;\n  width: 100%; height: 1.6px;\n  transform: translateY(-50%);\n}\n.fso-toggle-icon::after {\n  left: 50%; top: 0;\n  height: 100%; width: 1.6px;\n  transform: translateX(-50%);\n  transition: opacity 0.25s var(--ease), transform 0.35s var(--ease);\n}\n.fso-pain-row[open] .fso-toggle-icon { color: var(--accent-deep); }\n.fso-pain-row[open] .fso-toggle-icon::after {\n  opacity: 0;\n  transform: translateX(-50%) rotate(90deg);\n}\n\n\/* CSS-only smooth expand *\/\n.fso-solution-wrap {\n  display: grid;\n  grid-template-rows: 0fr;\n  transition: grid-template-rows 0.4s var(--ease);\n}\n.fso-pain-row[open] .fso-solution-wrap { grid-template-rows: 1fr; }\n.fso-solution-inner { overflow: hidden; }\n\n.fso-solution {\n  background: var(--accent-tint);\n  padding: 4px 26px 26px 30px;\n  margin-left: 56px;\n  margin-right: 4px;\n  border-radius: 12px;\n}\n\n.fso-solution-label {\n  display: block;\n  color: var(--accent-deep);\n  font-size: 11px;\n  font-weight: 800;\n  letter-spacing: 0.12em;\n  text-transform: uppercase;\n  margin: 14px 0 8px;\n}\n\n.fso-solution-text {\n  color: #23343B;\n  font-size: clamp(16px, 1.1vw, 17.5px);\n  line-height: 1.62;\n  font-weight: 400;\n  letter-spacing: -0.005em;\n  padding-bottom: 4px;\n}\n\n.fso-solution-highlight {\n  color: var(--ink);\n  font-weight: 700;\n  background-image: linear-gradient(transparent 74%, rgba(20,184,166,0.38) 0%);\n  background-repeat: no-repeat;\n  background-size: 100% 100%;\n}\n\n.fso-pains-cta-wrap {\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  gap: 14px;\n  margin-top: 52px;\n}\n\n.fso-pains-cta {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  gap: 10px;\n  background: var(--accent);\n  color: var(--ink);\n  border: 1px solid var(--accent);\n  border-radius: 999px;\n  padding: 16px 28px;\n  font-size: 15px;\n  font-weight: 700;\n  letter-spacing: 0.04em;\n  text-decoration: none;\n  transition: background 0.25s var(--ease), border-color 0.25s var(--ease), color 0.25s var(--ease), transform 0.25s var(--ease);\n  box-shadow: 0 8px 18px rgba(31,41,54,0.08);\n}\n.fso-pains-cta:hover {\n  background: var(--accent-deep);\n  border-color: var(--accent-deep);\n  color: #F7FAF9;\n  transform: translateY(-2px);\n}\n.fso-pains-cta:focus-visible {\n  outline: 2px solid var(--accent);\n  outline-offset: 3px;\n}\n.fso-pains-cta-arrow { transition: transform 0.25s var(--ease); }\n.fso-pains-cta:hover .fso-pains-cta-arrow { transform: translateX(4px); }\n\n.fso-pains-cta-note {\n  color: var(--muted-2);\n  font-size: 13px;\n  font-weight: 500;\n}\n.fso-pains-cta-note strong { color: var(--ink); font-weight: 700; }\n\n\/* --- Reduced motion. The original block had none. --- *\/\n@media (prefers-reduced-motion: reduce) {\n  .fso-pains-section *,\n  .fso-pains-section *::before,\n  .fso-pains-section *::after {\n    transition-duration: 0.01ms !important;\n    animation-duration: 0.01ms !important;\n    animation-iteration-count: 1 !important;\n  }\n  .fso-pains-cta:hover { transform: none; }\n}\n\n@media (max-width: 640px) {\n  .fso-pains-section { padding: 72px 16px; }\n  .fso-pain-summary { padding: 20px 18px 20px 20px; gap: 14px; }\n  .fso-number { font-size: 20px; min-width: 24px; }\n  .fso-solution { margin-left: 38px; padding: 4px 18px 20px 18px; }\n  .fso-pains-cta { width: 100%; }\n}\n<\/style>\n\n<section class=\"fso-pains-section\">\n  <div class=\"fso-pains-wrap\">\n\n    <div class=\"fso-pains-header\">\n      <div class=\"fso-pains-kicker\">What we hear most<\/div>\n      <h2 class=\"fso-pains-headline\">Sound <span class=\"fso-pains-headline-accent\">familiar?<\/span><\/h2>\n      <p class=\"fso-pains-sub\">Six things Foreign Service households bring to us most often. If one sounds like you, you're in the right place.<\/p>\n    <\/div>\n\n    <div class=\"fso-pains-list\">\n\n      <details class=\"fso-pain-row\" name=\"fso-pains\" open>\n        <summary class=\"fso-pain-summary\">\n          <span class=\"fso-number\" aria-hidden=\"true\">01<\/span>\n          <h3 class=\"fso-problem-text\">You live in diplomatic housing, so your largest expense is covered, and the extra cash just sits idle in your checking account.<\/h3>\n          <span class=\"fso-toggle-icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"fso-solution-wrap\">\n          <div class=\"fso-solution-inner\">\n            <div class=\"fso-solution\">\n              <span class=\"fso-solution-label\">Our approach<\/span>\n              <div class=\"fso-solution-text\">We put a number on it: what stays liquid for the next PCS, what goes to work, and where. <span class=\"fso-solution-highlight\">Idle cash gets a job, and you know why each dollar sits where it does.<\/span><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/details>\n\n      <details class=\"fso-pain-row\" name=\"fso-pains\">\n        <summary class=\"fso-pain-summary\">\n          <span class=\"fso-number\" aria-hidden=\"true\">02<\/span>\n          <h3 class=\"fso-problem-text\">You are unsure whether to save in your Roth or traditional TSP.<\/h3>\n          <span class=\"fso-toggle-icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"fso-solution-wrap\">\n          <div class=\"fso-solution-inner\">\n            <div class=\"fso-solution\">\n              <span class=\"fso-solution-label\">Our approach<\/span>\n              <div class=\"fso-solution-text\">The answer depends on how your pension, TSP, and Social Security come together, and how that gets taxed. We run your numbers and tell you what they say, <span class=\"fso-solution-highlight\">so the choice is part of your plan rather than a rule of thumb.<\/span><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/details>\n\n      <details class=\"fso-pain-row\" name=\"fso-pains\">\n        <summary class=\"fso-pain-summary\">\n          <span class=\"fso-number\" aria-hidden=\"true\">03<\/span>\n          <h3 class=\"fso-problem-text\">Your TSP is invested in the L Fund, and you wonder if that's a plan or just the default.<\/h3>\n          <span class=\"fso-toggle-icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"fso-solution-wrap\">\n          <div class=\"fso-solution-inner\">\n            <div class=\"fso-solution\">\n              <span class=\"fso-solution-label\">Our approach<\/span>\n              <div class=\"fso-solution-text\">The L Fund doesn't know about your other investments, your goals, or the rest of your situation. We look at everything the L Fund can't see, <span class=\"fso-solution-highlight\">so your TSP is set around your goals, not just a target date.<\/span><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/details>\n\n      <details class=\"fso-pain-row\" name=\"fso-pains\">\n        <summary class=\"fso-pain-summary\">\n          <span class=\"fso-number\" aria-hidden=\"true\">04<\/span>\n          <h3 class=\"fso-problem-text\">Your pay increased after you PCS'd, but the next post could look completely different.<\/h3>\n          <span class=\"fso-toggle-icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"fso-solution-wrap\">\n          <div class=\"fso-solution-inner\">\n            <div class=\"fso-solution\">\n              <span class=\"fso-solution-label\">Our approach<\/span>\n              <div class=\"fso-solution-text\">Differentials and allowances come and go with each assignment. We build your plan around income that changes, <span class=\"fso-solution-highlight\">so the surplus from a high-paying post is put to work before the next assignment takes it away.<\/span><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/details>\n\n      <details class=\"fso-pain-row\" name=\"fso-pains\">\n        <summary class=\"fso-pain-summary\">\n          <span class=\"fso-number\" aria-hidden=\"true\">05<\/span>\n          <h3 class=\"fso-problem-text\">You're unsure about big decisions, or how one choice affects the rest of your finances.<\/h3>\n          <span class=\"fso-toggle-icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"fso-solution-wrap\">\n          <div class=\"fso-solution-inner\">\n            <div class=\"fso-solution\">\n              <span class=\"fso-solution-label\">Our approach<\/span>\n              <div class=\"fso-solution-text\">Every big yes rules something else out. We put numbers on each choice, what it costs, what it changes, what it closes off, <span class=\"fso-solution-highlight\">so you can see the trade before you make it.<\/span><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/details>\n\n      <details class=\"fso-pain-row\" name=\"fso-pains\">\n        <summary class=\"fso-pain-summary\">\n          <span class=\"fso-number\" aria-hidden=\"true\">06<\/span>\n          <h3 class=\"fso-problem-text\">Your situation isn't on this list.<\/h3>\n          <span class=\"fso-toggle-icon\" aria-hidden=\"true\"><\/span>\n        <\/summary>\n        <div class=\"fso-solution-wrap\">\n          <div class=\"fso-solution-inner\">\n            <div class=\"fso-solution\">\n              <span class=\"fso-solution-label\">Our approach<\/span>\n              <div class=\"fso-solution-text\">It rarely is. Tandem couples, EFM careers, rental properties, leaving the Service early. <span class=\"fso-solution-highlight\">Bring it to the call and we'll talk it through.<\/span><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/details>\n\n    <\/div>\n\n    <div class=\"fso-pains-cta-wrap\">\n      <a href=\"\/schedule\/\" class=\"fso-pains-cta\">Let's talk <span class=\"fso-pains-cta-arrow\" aria-hidden=\"true\">&rarr;<\/span><\/a>\n      <div class=\"fso-pains-cta-note\"><strong>The first call is not for making decisions.<\/strong> It's for finding out whether there's a fit.<\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<script>\n(function () {\n  if (window.fsoPainsInit) return;\n  window.fsoPainsInit = true;\n\n  \/\/ The name attribute on <details> gives native exclusive accordions.\n  \/\/ This fallback only runs where that is unsupported.\n  function initExclusiveFallback() {\n    if ('name' in document.createElement('details')) return;\n    var rows = document.querySelectorAll('.fso-pain-row');\n    if (!rows.length) return;\n    rows.forEach(function (row) {\n      row.addEventListener('toggle', function () {\n        if (!row.open) return;\n        rows.forEach(function (other) {\n          if (other !== row) other.removeAttribute('open');\n        });\n      });\n    });\n  }\n\n  if (document.readyState === 'loading') {\n    document.addEventListener('DOMContentLoaded', initExclusiveFallback);\n  } else {\n    initExclusiveFallback();\n  }\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa9a04c e-con-full e-flex e-con e-parent\" data-id=\"fa9a04c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9aae09 elementor-widget elementor-widget-html\" data-id=\"c9aae09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Lora:ital,wght@0,500;0,600;0,700;1,500;1,600&family=Inter+Tight:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n\n<style>\n.fso-pricing-section {\n  --paper: #FFFFFF;\n  --ink: #0B1F2A;\n  --card-ink: #131F2B;\n  --muted: #3F4E55;\n  --muted-2: #5F6F76;\n  --on-dark: #EAF1F3;\n  --on-dark-dim: #A9B8BE;\n  --border: #E7EBEA;\n  --accent: #14B8A6;\n  --accent-deep: #0D9488;\n  --ease: cubic-bezier(0.65, 0, 0.35, 1);\n\n  width: 100%;\n  background: var(--paper);\n  border-bottom: 1px solid var(--border);\n  padding: 100px 24px;\n  font-family: \"Inter Tight\", \"Inter\", sans-serif;\n  box-sizing: border-box;\n}\n\n.fso-pricing-section *,\n.fso-pricing-section *::before,\n.fso-pricing-section *::after { box-sizing: border-box; }\n\n.fso-pricing-wrap { max-width: 1040px; margin: 0 auto; }\n\n\/* --- Section header --- *\/\n.fso-pricing-header {\n  display: block !important;\n  text-align: center !important;\n  width: 100% !important;\n  margin: 0 auto 56px !important;\n}\n\n.fso-pricing-kicker {\n  display: inline-flex !important;\n  align-items: center;\n  justify-content: center;\n  gap: 8px;\n  margin: 0 auto 20px !important;\n  color: var(--accent-deep);\n  font-size: 12px;\n  font-weight: 800;\n  letter-spacing: 0.16em;\n  text-transform: uppercase;\n}\n.fso-pricing-kicker::before,\n.fso-pricing-kicker::after {\n  content: \"\";\n  width: 16px;\n  height: 1px;\n  background: var(--accent);\n}\n\n.fso-pricing-headline {\n  display: block !important;\n  width: 100% !important;\n  text-align: center !important;\n  color: var(--ink);\n  font-family: \"Lora\", Georgia, serif;\n  font-size: clamp(34px, 4vw, 52px);\n  line-height: 1.15;\n  letter-spacing: -0.01em;\n  font-weight: 600;\n  text-wrap: balance;\n  margin: 0 0 16px !important;\n}\n.fso-pricing-headline-accent { color: var(--accent-deep); font-style: italic; }\n\n.fso-pricing-sub {\n  display: block !important;\n  width: 100% !important;\n  text-align: center !important;\n  color: var(--muted);\n  font-size: clamp(16px, 1.2vw, 18px);\n  line-height: 1.55;\n  max-width: 560px !important;\n  margin: 0 auto !important;\n}\n\n\/* --- Three principle cards. 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No percentage of your portfolio, no hidden layers, and no charge that rises just because your investments do.<\/p>\n    <\/div>\n\n    <ul class=\"fso-pricing-cards\">\n\n      <li class=\"fso-pricing-card\">\n        <span class=\"fso-pricing-card-label\">No percentage fees<\/span>\n        <h3 class=\"fso-pricing-card-title\">Markets don't move your fee.<\/h3>\n        <p class=\"fso-pricing-card-text\">One flat dollar amount, known in advance. It doesn't rise because your portfolio grew, or because you saved more into it.<\/p>\n      <\/li>\n\n      <li class=\"fso-pricing-card\">\n        <span class=\"fso-pricing-card-label\">Fee-only<\/span>\n        <h3 class=\"fso-pricing-card-title\">We get paid by you. Only.<\/h3>\n        <p class=\"fso-pricing-card-text\">No commissions or product kickbacks. Our advice is based on what fits your situation, not what pays us.<\/p>\n      <\/li>\n\n      <li class=\"fso-pricing-card\">\n        <span class=\"fso-pricing-card-label\">Built to adapt<\/span>\n        <h3 class=\"fso-pricing-card-title\">Planning that moves with you.<\/h3>\n        <p class=\"fso-pricing-card-text\">Foreign Service life changes every two to three years. Your plan adapts with each PCS, promotion, and post.<\/p>\n      <\/li>\n\n    <\/ul>\n\n    <div class=\"fso-pricing-dark\">\n      <span class=\"fso-pricing-dark-kicker\">What it costs<\/span>\n      <h3 class=\"fso-pricing-dark-headline\">Your fee is based on complexity,<br>not assets.<\/h3>\n      <p class=\"fso-pricing-dark-text\">Every household is different. Your fee reflects the moving parts of your situation: accounts, properties, benefits, business interests, career stage. Not the size of your portfolio.<\/p>\n      <p class=\"fso-pricing-dark-text\">The services page shows example engagements, from early career through retirement, so you can see roughly where a household like yours tends to land before we speak.<\/p>\n      <p class=\"fso-pricing-dark-text\"><strong>Those are examples, not a menu.<\/strong> If your situation isn't listed, or you're looking for a different type of engagement, send a message or book a call and we'll tell you what we can do.<\/p>\n      <p class=\"fso-pricing-dark-text fso-pricing-dark-dim\">And if the fee doesn't make sense for your situation, we'll tell you that too.<\/p>\n      <a href=\"\/services-fees\/\" class=\"fso-pricing-dark-link\">See services &amp; fees <span class=\"fso-pricing-dark-link-arrow\" aria-hidden=\"true\">&rarr;<\/span><\/a>\n    <\/div>\n\n    <p class=\"fso-pricing-footnote\">We serve our clients on an ongoing basis. We also offer one-time comprehensive plans for households that prefer a project-based engagement, using the same flat-fee approach.<\/p>\n\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e7b228 e-con-full e-flex e-con e-parent\" data-id=\"0e7b228\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5311c27 elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"5311c27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1\">\n<title>Founder bridge preview<\/title>\n<style>html,body{margin:0;padding:0;background:#F7FAF9;}<\/style>\n\n<!-- PREVIEW ONLY. Your theme already loads Lora and Inter Tight, so DELETE these\n     three <link> tags when pasting into Elementor \u2014 otherwise the browser makes a\n     duplicate font request on every page this block appears on. -->\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Lora:ital,wght@0,500;0,600;0,700;1,500;1,600&family=Inter+Tight:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n\n<style>\n.fso-founder-section {\n  --paper: #F7FAF9;\n  --white: #FFFFFF;\n  --ink: #0B1F2A;\n  --muted: #3F4E55;\n  --border: #E7EBEA;\n  --accent: #14B8A6;        \/* decorative only \u2014 ring, focus, hairlines *\/\n  --accent-text: #0D9488;   \/* brand teal. AA-safe alt: #0C857A (4.51:1) *\/\n  --ease: cubic-bezier(0.65, 0, 0.35, 1);\n  width: 100%;\n  background: var(--paper);\n  border-bottom: 1px solid var(--border);\n  padding: 88px 24px;\n  font-family: \"Inter Tight\", \"Inter\", sans-serif;\n  box-sizing: border-box;\n}\n\n.fso-founder-section *,\n.fso-founder-section *::before,\n.fso-founder-section *::after { box-sizing: border-box; }\n\n.fso-founder-card {\n  max-width: 860px;\n  margin: 0 auto;\n  background: var(--white);\n  border: 1px solid var(--border);\n  border-radius: 20px;\n  padding: 40px clamp(28px, 5vw, 56px);\n  display: flex;\n  align-items: center;\n  gap: clamp(28px, 4vw, 44px);\n}\n\n\/* The <img> is the flex item directly \u2014 no wrapper needed. display:block also\n   kills the inline descender gap that would otherwise offset the circle. *\/\n.fso-founder-section img.fso-founder-photo {\n  display: block !important;\n  flex: 0 0 auto !important;\n  width: 148px !important;\n  height: 148px !important;\n  max-width: 148px !important;\n  aspect-ratio: 1 !important;\n  border-radius: 50% !important;\n  object-fit: cover !important;\n  border: 3px solid var(--white) !important;\n  box-shadow: 0 0 0 2px var(--accent), 0 10px 24px rgba(11,31,42,0.10) !important;\n}\n\n.fso-founder-body { flex: 1; min-width: 0; }\n\n.fso-founder-kicker {\n  display: block;\n  color: var(--accent-text);\n  font-size: 12px;\n  font-weight: 800;\n  letter-spacing: 0.16em;\n  text-transform: uppercase;\n  margin-bottom: 10px;\n}\n\n.fso-founder-headline {\n  color: var(--ink);\n  font-family: \"Lora\", Georgia, serif;\n  font-size: clamp(22px, 2.4vw, 26px);\n  line-height: 1.2;\n  font-weight: 600;\n  margin: 0 0 12px;\n  text-wrap: balance;\n}\n\n.fso-founder-text {\n  color: var(--muted);\n  font-size: clamp(15.5px, 1.1vw, 17px);\n  line-height: 1.6;\n  margin: 0 0 18px;\n}\n.fso-founder-text strong { color: var(--ink); font-weight: 700; }\n\n.fso-founder-link {\n  display: inline-flex;\n  align-items: center;\n  gap: 8px;\n  color: var(--accent-text);\n  font-size: 15px;\n  font-weight: 700;\n  text-decoration: none;\n  border-bottom: 2px solid rgba(20,184,166,0.35);\n  padding-bottom: 2px;\n  transition: border-color 0.25s var(--ease);\n}\n.fso-founder-link:hover { border-color: var(--accent-text); }\n.fso-founder-link:focus-visible {\n  outline: 2px solid var(--accent);\n  outline-offset: 3px;\n  border-radius: 4px;\n}\n\n\/* Arrow moves on transform rather than the parent animating `gap`.\n   Animating gap relayouts the flex container every frame; transform\n   runs on the compositor. Also matches the other blocks. *\/\n.fso-founder-link-arrow { transition: transform 0.25s var(--ease); }\n.fso-founder-link:hover .fso-founder-link-arrow { transform: translateX(4px); }\n\n@media (prefers-reduced-motion: reduce) {\n  .fso-founder-section *,\n  .fso-founder-section *::before,\n  .fso-founder-section *::after {\n    transition-duration: 0.01ms !important;\n    animation-duration: 0.01ms !important;\n  }\n  .fso-founder-link:hover .fso-founder-link-arrow { transform: none; }\n}\n\n@media (max-width: 640px) {\n  .fso-founder-section { padding: 64px 16px; }\n  .fso-founder-card {\n    flex-direction: column;\n    text-align: center;\n    padding: 36px 24px;\n    gap: 20px;\n  }\n  .fso-founder-section img.fso-founder-photo {\n    width: 120px !important;\n    height: 120px !important;\n    max-width: 120px !important;\n  }\n}\n<\/style>\n<\/head>\n<body>\n<section class=\"fso-founder-section\">\n  <div class=\"fso-founder-card\">\n\n    <img class=\"fso-founder-photo\" style=\"display:block;flex:0 0 auto;width:148px;height:148px;max-width:148px;border-radius:50%;object-fit:cover;border:3px solid #FFFFFF;box-shadow:0 0 0 2px #14B8A6, 0 10px 24px rgba(11,31,42,0.10)\" 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alt=\"Warren Covert, founder of FSO Wealth\" width=\"148\" height=\"148\" decoding=\"async\">\n\n    <div class=\"fso-founder-body\">\n      <span class=\"fso-founder-kicker\">Who you'll work with<\/span>\n      <h2 class=\"fso-founder-headline\">Built by an EFM, for the Foreign Service community.<\/h2>\n      <p class=\"fso-founder-text\"><strong>Warren Covert<\/strong> here, fiduciary advisor and EFM, currently at post with my own family. After years in the Foreign Service, one pattern stands out: two families can have identical salaries and identical benefits, and still retire into completely different financial realities. That's why your specific situation matters more than any generic rule of thumb.<\/p>\n      <a class=\"fso-founder-link\" href=\"\/about\/\">Meet Warren <span class=\"fso-founder-link-arrow\" aria-hidden=\"true\">&rarr;<\/span><\/a>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<!-- OPTIONAL \u2014 delete this whole block if \/about\/ already carries Person schema.\n     Two Person nodes for the same individual on one site is fine; two on the\n     SAME page is not. Only keep this where the block appears without other\n     Person markup. 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These are numbered sequential steps, which is what\n   an ordered list is for. The visible 01\/02\/03 chips become\n   decorative once the list itself carries the order. *\/\n.fso-booking-grid {\n  position: relative;\n  list-style: none;\n  margin: 0;\n  padding: 0;\n  display: grid;\n  grid-template-columns: repeat(3, 1fr);\n  gap: 22px;\n}\n\n.fso-booking-grid::before {\n  content: \"\";\n  position: absolute;\n  top: 49px;\n  left: 6%;\n  right: 6%;\n  height: 2px;\n  background-image: linear-gradient(to right, #14B8A6 0 8px, transparent 8px 16px);\n  background-size: 16px 2px;\n  background-repeat: repeat-x;\n  opacity: 0.55;\n  z-index: 0;\n}\n\n.fso-booking-card {\n  position: relative;\n  z-index: 1;\n  background: #FFFFFF;\n  border: 1px solid #E5E7EB;\n  border-radius: 22px;\n  padding: 28px 28px 30px;\n  transition: transform 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease;\n  box-shadow: 0 6px 16px rgba(31, 41, 54, 0.05);\n}\n.fso-booking-card:hover {\n  transform: translateY(-3px);\n  border-color: #14B8A6;\n  box-shadow: 0 10px 24px rgba(31, 41, 54, 0.08), 0 0 0 1px #14B8A6;\n}\n\n.fso-booking-number-row {\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  margin-bottom: 22px;\n  min-height: 42px;\n}\n\n.fso-booking-number {\n  width: 42px;\n  height: 42px;\n  border-radius: 999px;\n  border: 1px solid #14B8A6;\n  color: #0D9488;\n  background: #F7FAF9;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  font-size: 13px;\n  font-weight: 800;\n  transition: background 0.25s ease, color 0.25s ease;\n}\n.fso-booking-card:hover .fso-booking-number {\n  background: #14B8A6;\n  color: #F7FAF9;\n}\n\n.fso-booking-title {\n  color: #0B1F2A;\n  font-family: \"Inter Tight\", \"Inter\", sans-serif;\n  font-size: 22px;\n  line-height: 1.18;\n  letter-spacing: -0.02em;\n  font-weight: 700;\n  margin: 0 0 12px;\n}\n\n.fso-booking-text {\n  color: #5F6F76;\n  font-size: 16px;\n  line-height: 1.5;\n  font-weight: 400;\n  margin: 0;\n}\n\n.fso-booking-note {\n  margin-top: 18px;\n  color: #0B1F2A;\n  font-size: 14px;\n  line-height: 1.4;\n  font-weight: 700;\n  display: flex;\n  align-items: flex-start;\n  gap: 10px;\n}\n.fso-booking-dot {\n  width: 9px;\n  height: 9px;\n  border-radius: 999px;\n  background: #14B8A6;\n  flex: 0 0 auto;\n  margin-top: 5px;\n}\n\n.fso-booking-footer {\n  max-width: 720px;\n  margin: 40px auto 0;\n  text-align: center;\n  color: #5F6F76;\n  font-size: 17px;\n  line-height: 1.5;\n}\n.fso-booking-footer strong { color: #0B1F2A; font-weight: 700; }\n\n\/* ============ SCHEDULER + QUESTION + FALLBACK ============ *\/\n\n.fso-scheduler-section {\n  width: 100%;\n  background: #FFFFFF;\n  border-bottom: 1px solid #E7EBEA;\n  scroll-margin-top: 96px;\n  padding: 20px 24px 90px;\n  font-family: \"Inter Tight\", \"Inter\", sans-serif;\n  box-sizing: border-box;\n}\n\n.fso-scheduler-wrap {\n  max-width: 960px;\n  margin: 0 auto;\n}\n\n.fso-scheduler-header { text-align: center; }\n\n.fso-scheduler-kicker {\n  color: #0D9488;\n  font-size: 13px;\n  line-height: 1;\n  font-weight: 800;\n  letter-spacing: 0.14em;\n  text-transform: uppercase;\n  margin-bottom: 18px;\n}\n\n.fso-scheduler-headline {\n  color: #0B1F2A;\n  font-family: \"Lora\", Georgia, \"Times New Roman\", serif;\n  font-size: clamp(28px, 3vw, 36px);\n  line-height: 1.2;\n  letter-spacing: -0.01em;\n  font-weight: 600;\n  margin: 0 0 14px;\n}\n\n.fso-scheduler-sub {\n  color: #3F4E55;\n  font-size: 17px;\n  line-height: 1.5;\n  font-weight: 400;\n  margin: 0 0 36px;\n}\n\n.fso-scheduler-frame-wrap {\n  width: 100%;\n  max-width: 820px;\n  margin: 0 auto;\n  border: 1px solid #E5E7EB;\n  border-radius: 18px;\n  overflow: hidden;\n  box-shadow: 0 6px 16px rgba(31, 41, 54, 0.05);\n}\n\n.fso-scheduler-frame-wrap iframe {\n  display: block;\n  width: 100%;\n  min-height: 720px;\n  border: 0;\n  border-radius: 0;\n  box-shadow: none;\n}\n\n\/* ============ Question box + fallback card ============ *\/\n\n.fso-fallback {\n  --paper: #F7FAF9;\n  --white: #FFFFFF;\n  --ink: #0B1F2A;\n  --muted: #3F4E55;\n  --muted-2: #5F6F76;\n  --border: #E7EBEA;\n  --accent: #14B8A6;\n  --accent-deep: #0D9488;\n  --accent-tint: rgba(20,184,166,0.05);\n  --ease: cubic-bezier(0.65, 0, 0.35, 1);\n\n  width: 100%;\n  max-width: 840px;\n  margin: 64px auto 0;\n  font-family: \"Inter Tight\", \"Inter\", sans-serif;\n  box-sizing: border-box;\n}\n\n.fso-fallback-question {\n  max-width: 620px;\n  margin: 0 auto 56px;\n  text-align: center;\n}\n\n.fso-fallback-question::before {\n  content: \"\";\n  display: block;\n  width: 44px;\n  height: 2px;\n  background: var(--accent);\n  opacity: 0.5;\n  border-radius: 2px;\n  margin: 0 auto 24px;\n}\n\n.fso-fallback-question-label {\n  display: block;\n  color: var(--accent-deep);\n  font-size: 11px;\n  font-weight: 800;\n  letter-spacing: 0.12em;\n  text-transform: uppercase;\n  margin-bottom: 12px;\n}\n\n.fso-fallback-question-q {\n  color: var(--ink);\n  font-family: \"Lora\", Georgia, serif;\n  font-style: italic;\n  font-size: 18px;\n  line-height: 1.4;\n  font-weight: 500;\n  letter-spacing: 0;\n  margin: 0 0 10px;\n}\n\n.fso-fallback-question-a {\n  color: var(--muted-2);\n  font-size: 15px;\n  line-height: 1.55;\n  margin: 0;\n}\n\n.fso-fallback-card {\n  background: var(--white);\n  border: 1px solid var(--border);\n  border-radius: 18px;\n  overflow: hidden;\n  box-shadow: 0 6px 16px rgba(31, 41, 54, 0.05);\n  transition: border-color 0.3s var(--ease), box-shadow 0.3s var(--ease);\n}\n.fso-fallback-card[data-open=\"true\"] {\n  border-color: rgba(20,184,166,0.35);\n  box-shadow: 0 10px 24px rgba(31, 41, 54, 0.08);\n}\n\n.fso-fallback-row {\n  display: flex;\n  align-items: center;\n  gap: 14px;\n  padding: 22px 22px 20px;\n  cursor: pointer;\n  -webkit-tap-highlight-color: transparent;\n  background: none;\n  border: none;\n  width: 100%;\n  text-align: left;\n  font-family: inherit;\n}\n.fso-fallback-row:focus-visible {\n  outline: 2px solid var(--accent);\n  outline-offset: -2px;\n  border-radius: 14px;\n}\n\n.fso-fallback-icon {\n  flex: 0 0 auto;\n  width: 40px;\n  height: 40px;\n  border-radius: 999px;\n  border: 1px solid rgba(20,184,166,0.35);\n  background: var(--accent-tint);\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  color: var(--accent-deep);\n}\n.fso-fallback-icon svg { width: 18px; height: 18px; }\n\n.fso-fallback-copy { flex: 1; min-width: 0; }\n\n\/* These were <p> elements inside a <button>, which is invalid:\n   a button may only contain phrasing content. They are spans now,\n   set to display:block so the layout is unchanged. *\/\n.fso-fallback-q {\n  display: block;\n  color: var(--ink);\n  font-family: \"Lora\", Georgia, serif;\n  font-size: clamp(19px, 2vw, 23px);\n  line-height: 1.3;\n  font-weight: 600;\n  margin: 0 0 6px;\n}\n\n.fso-fallback-sub {\n  display: block;\n  color: var(--muted-2);\n  font-size: 14.5px;\n  line-height: 1.5;\n  margin: 0;\n}\n.fso-fallback-sub .fso-fallback-cta {\n  color: var(--accent-deep);\n  font-weight: 700;\n}\n\n.fso-fallback-toggle {\n  position: relative;\n  flex: 0 0 auto;\n  width: 16px;\n  height: 16px;\n  color: var(--muted-2);\n  transition: color 0.3s var(--ease);\n}\n.fso-fallback-toggle::before,\n.fso-fallback-toggle::after {\n  content: \"\";\n  position: absolute;\n  background: currentColor;\n  border-radius: 2px;\n}\n.fso-fallback-toggle::before { top: 50%; left: 0; width: 100%; height: 1.6px; transform: translateY(-50%); }\n.fso-fallback-toggle::after {\n  left: 50%; top: 0; height: 100%; width: 1.6px;\n  transform: translateX(-50%);\n  transition: opacity 0.25s var(--ease), transform 0.35s var(--ease);\n}\n.fso-fallback-card[data-open=\"true\"] .fso-fallback-toggle { color: var(--accent-deep); }\n.fso-fallback-card[data-open=\"true\"] .fso-fallback-toggle::after { opacity: 0; transform: translateX(-50%) rotate(90deg); }\n\n.fso-fallback-body {\n  display: grid;\n  grid-template-rows: 0fr;\n  transition: grid-template-rows 0.4s var(--ease);\n}\n.fso-fallback-card[data-open=\"true\"] .fso-fallback-body { grid-template-rows: 1fr; }\n.fso-fallback-body-inner { overflow: hidden; }\n\n.fso-fallback-form-wrap {\n  padding: 4px;\n  background: var(--white);\n  border-top: 1px solid var(--border);\n}\n.fso-fallback-form-wrap iframe {\n  display: block;\n  width: 100%;\n  border: 0;\n}\n\n\/* ============ Reduced motion. The original had none. ============ *\/\n\n@media (prefers-reduced-motion: reduce) {\n  .fso-booking-section *,\n  .fso-booking-section *::before,\n  .fso-booking-section *::after,\n  .fso-scheduler-section *,\n  .fso-scheduler-section *::before,\n  .fso-scheduler-section *::after {\n    transition-duration: 0.01ms !important;\n    animation-duration: 0.01ms !important;\n  }\n  .fso-booking-card:hover { transform: none; }\n}\n\n\/* ============ Mobile ============ *\/\n\n@media (max-width: 900px) {\n  .fso-booking-section { padding: 70px 18px 56px; }\n  .fso-booking-header { margin-bottom: 40px !important; }\n  .fso-booking-grid { grid-template-columns: 1fr; gap: 18px; }\n\n  .fso-booking-grid::before {\n    top: 0;\n    bottom: 0;\n    left: 49px;\n    right: auto;\n    width: 2px;\n    height: auto;\n    background-image: linear-gradient(to bottom, #14B8A6 0 8px, transparent 8px 16px);\n    background-size: 2px 16px;\n    background-repeat: repeat-y;\n  }\n\n  .fso-booking-card { padding: 26px 24px; }\n  .fso-booking-title { font-size: 21px; }\n  .fso-booking-footer { text-align: left; font-size: 16px; margin-top: 28px; }\n\n  .fso-scheduler-section { padding: 16px 18px 70px; }\n  .fso-scheduler-frame-wrap iframe { min-height: 640px; }\n}\n\n@media (max-width: 640px) {\n  .fso-fallback { margin-top: 44px; }\n  .fso-fallback-row { padding: 16px 18px; gap: 12px; }\n  .fso-fallback-icon { width: 34px; height: 34px; }\n  .fso-fallback-question { margin-bottom: 32px; }\n  .fso-fallback-question::before { margin-bottom: 20px; }\n}\n<\/style>\n\n<section class=\"fso-booking-section\">\n  <div class=\"fso-booking-wrap\">\n\n    <div class=\"fso-booking-header\">\n      <div class=\"fso-booking-kicker\">How we work together<\/div>\n      <h2 class=\"fso-booking-headline\">Start with a <span class=\"fso-booking-headline-accent\">conversation.<\/span><\/h2>\n      <p class=\"fso-booking-sub\">One 20-minute call. Here's exactly how it goes, whether you're weighing your first post or planning your last one.<\/p>\n    <\/div>\n\n    <ol class=\"fso-booking-grid\">\n\n      <li class=\"fso-booking-card\">\n        <div class=\"fso-booking-number-row\">\n          <div class=\"fso-booking-number\" aria-hidden=\"true\">01<\/div>\n        <\/div>\n        <h3 class=\"fso-booking-title\">You talk first<\/h3>\n        <p class=\"fso-booking-text\">Bring whatever question brought you here: FSPS benefits, an overseas assignment, a TSP decision, a spouse's career. That's the agenda.<\/p>\n        <div class=\"fso-booking-note\">\n          <span class=\"fso-booking-dot\" aria-hidden=\"true\"><\/span>\n          No prep and no documents needed.\n        <\/div>\n      <\/li>\n\n      <li class=\"fso-booking-card\">\n        <div class=\"fso-booking-number-row\">\n          <div class=\"fso-booking-number\" aria-hidden=\"true\">02<\/div>\n        <\/div>\n        <h3 class=\"fso-booking-title\">Then we ask a few questions<\/h3>\n        <p class=\"fso-booking-text\">About your goals, accounts, and moving parts. Enough to understand your situation and talk through your questions directly, so we know how we can best serve you.<\/p>\n        <div class=\"fso-booking-note\">\n          <span class=\"fso-booking-dot\" aria-hidden=\"true\"><\/span>\n          Nothing is too specific. Specific is the point.\n        <\/div>\n      <\/li>\n\n      <li class=\"fso-booking-card\">\n        <div class=\"fso-booking-number-row\">\n          <div class=\"fso-booking-number\" aria-hidden=\"true\">03<\/div>\n        <\/div>\n        <h3 class=\"fso-booking-title\">Get to know our process<\/h3>\n        <p class=\"fso-booking-text\">You'll receive access to our client portal so you can see exactly how we work before making any decisions. We'll guide you through the process every step of the way.<\/p>\n        <div class=\"fso-booking-note\">\n          <span class=\"fso-booking-dot\" aria-hidden=\"true\"><\/span>\n          See how we work before you decide.\n        <\/div>\n      <\/li>\n\n    <\/ol>\n\n    <div class=\"fso-booking-footer\">From your first assignment to your last, we help Foreign Service households make sense of FSPS, TSP, and everything in between. <strong>The first step is a conversation.<\/strong><\/div>\n\n  <\/div>\n<\/section>\n\n<section class=\"fso-scheduler-section\" id=\"fso-book\">\n  <div class=\"fso-scheduler-wrap\">\n\n    <div class=\"fso-scheduler-header\">\n      <div class=\"fso-scheduler-kicker\">Book your call<\/div>\n      <h2 class=\"fso-scheduler-headline\">Grab a time that works for you.<\/h2>\n      <p class=\"fso-scheduler-sub\">Pick a slot below and we'll take it from there.<\/p>\n    <\/div>\n\n    <div class=\"fso-scheduler-frame-wrap\">\n      <iframe src=\"https:\/\/www.findash.ai\/embed\/scheduler\/config\/1022ae80-1ebf-49a9-85e2-7977e1b355c5?clientId=1cc2f8c7-9720-4b61-a153-b3742a4158b1&apiUrl=https%3A%2F%2Fapi.us.nylas.com\" style=\"width:100%;min-height:720px;border:0;\" loading=\"lazy\" allow=\"clipboard-write; fullscreen\" title=\"Schedule a 20-minute introduction call\"><\/iframe>\n    <\/div>\n\n    <div class=\"fso-fallback\">\n\n      <div class=\"fso-fallback-question\">\n        <span class=\"fso-fallback-question-label\">The question we hear most<\/span>\n        <h3 class=\"fso-fallback-question-q\">\"How much should I put in my TSP, and should it be Roth or traditional?\"<\/h3>\n        <p class=\"fso-fallback-question-a\">It depends on your tax bracket today versus in retirement, and with a pension in the picture, that math surprises many officers. If that's the kind of thing on your mind, leave your information below and we'll be in touch.<\/p>\n      <\/div>\n\n      <div class=\"fso-fallback-card\" id=\"fso-fallback-card\">\n        <button type=\"button\" class=\"fso-fallback-row\" id=\"fso-fallback-trigger\" aria-expanded=\"false\" aria-controls=\"fso-fallback-body\">\n          <span class=\"fso-fallback-icon\" aria-hidden=\"true\">\n            <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 3\"\/><\/svg>\n          <\/span>\n          <span class=\"fso-fallback-copy\">\n            <span class=\"fso-fallback-q\">Can't find a time that works, or don't have your calendar on you?<\/span>\n            <span class=\"fso-fallback-sub\"><span class=\"fso-fallback-cta\">Click here to fill out the form<\/span>, and we'll be in touch.<\/span>\n          <\/span>\n          <span class=\"fso-fallback-toggle\" aria-hidden=\"true\"><\/span>\n        <\/button>\n\n        <div class=\"fso-fallback-body\" id=\"fso-fallback-body\">\n          <div class=\"fso-fallback-body-inner\">\n            <div class=\"fso-fallback-form-wrap\">\n              <!-- Loads with the page so the form is ready the instant\n                   the panel opens. No loading=\"lazy\": the panel starts\n                   collapsed at zero height, so a lazy frame would never\n                   enter the viewport and would not begin loading. -->\n              <iframe\n                id=\"findash-form-flow_1783314137054_8eudr8\"\n                src=\"https:\/\/findash.ai\/embed\/firm\/fso-wealth\/f\/flow_1783314137054_8eudr8\"\n                style=\"height:800px\"\n                title=\"Tell us about your situation\"><\/iframe>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<script>\n(function () {\n  if (window.fsoBookingInit) return;\n  window.fsoBookingInit = true;\n\n  var card = document.getElementById('fso-fallback-card');\n  var trigger = document.getElementById('fso-fallback-trigger');\n  var panel = document.getElementById('fso-fallback-body');\n  var inner = panel ? panel.querySelector('.fso-fallback-body-inner') : null;\n  var frame = document.getElementById('findash-form-flow_1783314137054_8eudr8');\n\n  \/\/ A collapsed grid row is visually hidden but still focusable, so\n  \/\/ keyboard users could tab into the form iframe they cannot see.\n  \/\/ inert removes it from the tab order and the accessibility tree.\n  function setInert(on) {\n    if (!inner) return;\n    if (on) { inner.setAttribute('inert', ''); }\n    else { inner.removeAttribute('inert'); }\n  }\n\n  if (card && trigger) {\n    setInert(true);\n\n    trigger.addEventListener('click', function () {\n      var isOpen = card.getAttribute('data-open') === 'true';\n      var next = !isOpen;\n\n      card.setAttribute('data-open', String(next));\n      trigger.setAttribute('aria-expanded', String(next));\n      setInert(!next);\n    });\n  }\n\n  if (frame) {\n    window.addEventListener('message', function (e) {\n      if (e.source !== frame.contentWindow) return;\n      if (e.data && e.data.type === 'findash:resize' && typeof e.data.height === 'number') {\n        frame.style.height = e.data.height + 'px';\n      }\n    });\n  }\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-991aff0 e-con-full e-flex e-con e-parent\" data-id=\"991aff0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-996a4ed elementor-widget elementor-widget-html\" data-id=\"996a4ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n  .fso-fit {\n    background: #F7FAF9 !important;\n    padding: 72px 24px !important;\n    font-family: 'Inter Tight', Inter, -apple-system, sans-serif !important;\n    box-sizing: border-box !important;\n  }\n  .fso-fit *,\n  .fso-fit *::before,\n  .fso-fit *::after { box-sizing: border-box !important; }\n\n  \/* Centering lives here now. The eyebrow is inline-flex so it can\n     sit between the two hairlines, and an inline-flex box ignores\n     text-align on itself. *\/\n  .fso-fit__inner {\n    max-width: 640px !important;\n    margin: 0 auto !important;\n    text-align: center !important;\n  }\n\n  .fso-fit__eyebrow {\n    display: inline-flex !important;\n    align-items: center !important;\n    justify-content: center !important;\n    gap: 8px !important;\n    width: auto !important;\n    font-size: 12px !important;\n    font-weight: 800 !important;\n    letter-spacing: 0.16em !important;\n    text-transform: uppercase !important;\n    color: #0D9488 !important;\n    margin: 0 0 20px !important;\n  }\n  .fso-fit__eyebrow::before,\n  .fso-fit__eyebrow::after {\n    content: \"\" !important;\n    width: 16px !important;\n    height: 1px !important;\n    background: #14B8A6 !important;\n    flex: 0 0 auto !important;\n  }\n\n  .fso-fit__title {\n    font-family: 'Lora', Georgia, serif !important;\n    font-size: clamp(28px, 4vw, 38px) !important;\n    font-weight: 600 !important;\n    color: #0B1F2A !important;\n    text-align: center !important;\n    text-transform: none !important;\n    line-height: 1.2 !important;\n    letter-spacing: -0.01em !important;\n    margin: 0 0 10px !important;\n  }\n  .fso-fit__title em {\n    color: #0D9488 !important;\n    font-style: italic !important;\n  }\n\n  .fso-fit__lede {\n    font-size: 16px !important;\n    color: #4B5B66 !important;\n    text-align: center !important;\n    margin: 0 0 32px !important;\n  }\n\n  \/* List content is left-aligned again, against the centred header. *\/\n  .fso-fit__list {\n    list-style: none !important;\n    margin: 0 !important;\n    padding: 0 !important;\n    text-align: left !important;\n  }\n  .fso-fit__item {\n    display: flex !important;\n    align-items: flex-start !important;\n    gap: 14px !important;\n    background: #FFFFFF !important;\n    border: 1px solid #E2ECEA !important;\n    border-radius: 14px !important;\n    padding: 16px 20px !important;\n    margin: 0 0 12px !important;\n    list-style: none !important;\n  }\n  .fso-fit__item:last-child { margin-bottom: 0 !important; }\n\n  .fso-fit__check {\n    flex: 0 0 auto !important;\n    width: 22px !important;\n    height: 22px !important;\n    margin-top: 1px !important;\n  }\n  .fso-fit__check svg {\n    display: block !important;\n    width: 22px !important;\n    height: 22px !important;\n  }\n\n  .fso-fit__text {\n    font-size: 15.5px !important;\n    line-height: 1.6 !important;\n    color: #0B1F2A !important;\n    margin: 0 !important;\n  }\n\n  @media (max-width: 640px) {\n    .fso-fit { padding: 56px 18px !important; }\n    .fso-fit__item { padding: 14px 16px !important; }\n  }\n<\/style>\n\n<section class=\"fso-fit\">\n  <div class=\"fso-fit__inner\">\n    <span class=\"fso-fit__eyebrow\">Who this is for<\/span>\n    <h2 class=\"fso-fit__title\">Is this a <em>fit?<\/em><\/h2>\n    <p class=\"fso-fit__lede\">This practice does its best work when:<\/p>\n\n    <ul class=\"fso-fit__list\" role=\"list\">\n      <li class=\"fso-fit__item\">\n        <span class=\"fso-fit__check\" aria-hidden=\"true\">\n          <svg viewBox=\"0 0 24 24\" fill=\"none\" focusable=\"false\"><circle cx=\"12\" cy=\"12\" r=\"11\" fill=\"#E1F5EE\"\/><path d=\"M7.5 12.5l3 3 6-6.5\" stroke=\"#0D9488\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\n        <\/span>\n        <p class=\"fso-fit__text\">Your household has a connection to the Foreign Service, with one or both of you working for or affiliated with State, FAS, FCS, or a related agency.<\/p>\n      <\/li>\n      <li class=\"fso-fit__item\">\n        <span class=\"fso-fit__check\" aria-hidden=\"true\">\n          <svg viewBox=\"0 0 24 24\" fill=\"none\" focusable=\"false\"><circle cx=\"12\" cy=\"12\" r=\"11\" fill=\"#E1F5EE\"\/><path d=\"M7.5 12.5l3 3 6-6.5\" stroke=\"#0D9488\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\n        <\/span>\n        <p class=\"fso-fit__text\">You need a plan that survives a PCS, not one built for a household that stays put.<\/p>\n      <\/li>\n      <li class=\"fso-fit__item\">\n        <span class=\"fso-fit__check\" aria-hidden=\"true\">\n          <svg viewBox=\"0 0 24 24\" fill=\"none\" focusable=\"false\"><circle cx=\"12\" cy=\"12\" r=\"11\" fill=\"#E1F5EE\"\/><path d=\"M7.5 12.5l3 3 6-6.5\" stroke=\"#0D9488\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\n        <\/span>\n        <p class=\"fso-fit__text\">You'd rather pay a predictable flat fee than a percentage of your accounts.<\/p>\n      <\/li>\n      <li class=\"fso-fit__item\">\n        <span class=\"fso-fit__check\" aria-hidden=\"true\">\n          <svg viewBox=\"0 0 24 24\" fill=\"none\" focusable=\"false\"><circle cx=\"12\" cy=\"12\" r=\"11\" fill=\"#E1F5EE\"\/><path d=\"M7.5 12.5l3 3 6-6.5\" stroke=\"#0D9488\" stroke-width=\"2.2\" 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.fso-webinar__card { padding: 36px 22px 34px !important; }\n    .fso-webinar__input { flex: 1 1 100% !important; }\n  }\n<\/style>\n\n<section class=\"fso-webinar\">\n  <div class=\"fso-webinar__card\">\n    <span class=\"fso-webinar__eyebrow\">Not ready for a call?<\/span>\n    <h2 class=\"fso-webinar__title\">Start with the <em>webinar.<\/em><\/h2>\n    <p class=\"fso-webinar__name\">Can Foreign Service Officers Retire Early? A F.I.R.E. Strategy Guide<\/p>\n    <p class=\"fso-webinar__sub\"> \n    Foreign Service officers ask us this question all the time. This webinar explains how FSPS, TSP, and retirement eligibility rules work together, where the real constraints are, and the questions worth answering before you set a target retirement date.<\/p>\n\n    <form class=\"fso-webinar__form\" id=\"fso-webinar-form\" novalidate>\n      <input class=\"fso-webinar__input\" type=\"text\" name=\"FNAME\" id=\"fso-webinar-fname\" placeholder=\"First name\" aria-label=\"First name\" autocomplete=\"given-name\">\n      <input class=\"fso-webinar__input\" type=\"text\" name=\"LNAME\" id=\"fso-webinar-lname\" placeholder=\"Last name\" aria-label=\"Last name\" autocomplete=\"family-name\">\n      <input class=\"fso-webinar__input fso-webinar__input--full\" type=\"email\" name=\"EMAIL\" id=\"fso-webinar-email\" placeholder=\"Your email\" aria-label=\"Email address\" autocomplete=\"email\" required>\n      <div aria-hidden=\"true\" style=\"position:absolute; left:-5000px;\">\n        <input type=\"text\" name=\"b_e10c71595155e8df83394afe0_9c0d75b2c5\" tabindex=\"-1\" value=\"\" autocomplete=\"off\">\n      <\/div>\n      <button class=\"fso-webinar__btn\" id=\"fso-webinar-submit\" type=\"submit\">Send me the recording<\/button>\n    <\/form>\n\n    <p class=\"fso-webinar__msg\" id=\"fso-webinar-msg\" hidden><\/p>\n\n    <p class=\"fso-webinar__note\">The recording arrives in your inbox right away. 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Sits in the window\n   chrome so it reads as part of the mockup. *\/\n.fso-video-toggle {\n  margin-left: auto;\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  width: 24px;\n  height: 24px;\n  padding: 0;\n  background: none;\n  border: 0;\n  border-radius: 999px;\n  color: #5F6F76;\n  cursor: pointer;\n  opacity: 0.6;\n  transition: opacity 0.2s ease, color 0.2s ease;\n}\n.fso-video-toggle:hover,\n.fso-video-toggle:focus-visible { opacity: 1; color: #0D9488; }\n.fso-video-toggle:focus-visible { outline: 2px solid #0D9488; outline-offset: 2px; }\n.fso-video-toggle svg { width: 11px; height: 11px; fill: currentColor; }\n.fso-video-toggle .fso-icon-play { display: none; }\n.fso-video-toggle[aria-pressed=\"true\"] .fso-icon-play { display: block; }\n.fso-video-toggle[aria-pressed=\"true\"] .fso-icon-pause { display: none; }\n\n.fso-video-frame {\n  position: relative;\n  overflow: hidden;\n  background: #1F2936;\n  aspect-ratio: 4 \/ 3;\n}\n.fso-video-frame video {\n  width: 100%;\n  height: 100%;\n  border: 0;\n  display: block;\n  object-fit: cover;\n}\n\n\/* --- Signature element: floating status chip --- *\/\n.fso-float-badge {\n  position: absolute;\n  z-index: 2;\n  top: -18px;\n  right: -18px;\n  display: flex;\n  align-items: center;\n  gap: 10px;\n  background: #FFFFFF;\n  border: 1px solid #E5E7EB;\n  border-radius: 14px;\n  padding: 12px 16px;\n  box-shadow: 0 12px 28px rgba(31,41,54,0.12);\n  transform: rotate(-3deg);\n  animation: fsoFloatBob 4.5s ease-in-out infinite;\n}\n@keyframes fsoFloatBob {\n  0%, 100% { transform: rotate(-3deg) translateY(0); }\n  50%      { transform: rotate(-3deg) translateY(-7px); }\n}\n\n.fso-float-badge-icon {\n  width: 26px;\n  height: 26px;\n  min-width: 26px;\n  border-radius: 999px;\n  background: rgba(20,184,166,0.12);\n  color: #0D9488;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n}\n\n.fso-float-badge-text {\n  display: flex;\n  flex-direction: column;\n  gap: 1px;\n}\n.fso-float-badge-title {\n  color: #0B1F2A;\n  font-size: 13px;\n  font-weight: 700;\n  line-height: 1.2;\n  white-space: nowrap;\n}\n.fso-float-badge-meta {\n  color: #8A97A1;\n  font-size: 11px;\n  font-weight: 500;\n  line-height: 1.2;\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .fso-kicker-dot,\n  .fso-float-badge { animation: none; }\n  .fso-portal-primary:hover,\n  .fso-portal-secondary:hover { transform: none; }\n  .fso-portal-arrow { transition: none; }\n}\n\n@media (max-width: 1024px) {\n  .fso-portal-inner { grid-template-columns: 1fr; gap: 48px; }\n  .fso-portal-copy { max-width: 760px; }\n  .fso-float-badge { top: -14px; right: 12px; }\n}\n\n@media (max-width: 767px) {\n  .fso-portal-section { padding: 64px 18px; }\n  .fso-portal-title { font-size: clamp(36px, 10vw, 48px); }\n  .fso-portal-title br { display: none; }\n  .fso-portal-actions { flex-direction: column; }\n  .fso-portal-primary, .fso-portal-secondary { width: 100%; }\n  .fso-portal-actions-note { text-align: center; }\n  .fso-video-glow { inset: -14px; }\n  .fso-video-shell { border-radius: 22px; }\n  .fso-video-topbar { height: 34px; }\n  .fso-float-badge {\n    position: static;\n    transform: none;\n    animation: none;\n    margin: 0 0 14px;\n    width: fit-content;\n  }\n}\n<\/style>\n\n<section class=\"fso-portal-section\">\n  <div class=\"fso-portal-inner\">\n\n    <div class=\"fso-portal-copy\">\n      <div class=\"fso-portal-kicker\">\n        <span class=\"fso-kicker-dot\" aria-hidden=\"true\"><\/span>\n        Virtual-first planning\n      <\/div>\n\n      <h2 class=\"fso-portal-title\">See your financial life<br>in <span class=\"fso-portal-title-accent\">one place.<\/span><\/h2>\n\n      <p class=\"fso-portal-text\">\n        Financial planning should not feel like scattered PDFs, emails, and spreadsheets.\n      <\/p>\n\n      <p class=\"fso-portal-text\">\n        We use a secure portal to organize your accounts, benefits, goals, documents, and next steps, so your plan stays visible as life changes.\n      <\/p>\n\n      <ul class=\"fso-portal-pills\" role=\"list\">\n        <li class=\"fso-portal-pill\">Accounts<\/li>\n        <li class=\"fso-portal-pill\">Benefits<\/li>\n        <li class=\"fso-portal-pill\">Goals<\/li>\n        <li class=\"fso-portal-pill\">Documents<\/li>\n        <li class=\"fso-portal-pill\">Next Steps<\/li>\n      <\/ul>\n\n      <div class=\"fso-portal-actions\">\n        <a class=\"fso-portal-primary\" href=\"\/schedule\/\">Schedule a Call <span class=\"fso-portal-arrow\" aria-hidden=\"true\">&rarr;<\/span><\/a>\n        <a class=\"fso-portal-secondary\" href=\"https:\/\/findash.ai\/firm\/fso-wealth\" target=\"_blank\" rel=\"noopener\">Try the portal free <span class=\"fso-portal-arrow\" aria-hidden=\"true\">&rarr;<\/span><\/a>\n      <\/div>\n      <p class=\"fso-portal-actions-note\">Create a free account and look around. No card needed.<\/p>\n    <\/div>\n\n    <div class=\"fso-video-wrap\">\n      <div class=\"fso-video-glow\" aria-hidden=\"true\"><\/div>\n\n      <div class=\"fso-float-badge\">\n        <span class=\"fso-float-badge-icon\" aria-hidden=\"true\">\n          <svg width=\"14\" height=\"14\" viewBox=\"0 0 24 24\" fill=\"none\" focusable=\"false\"><path d=\"M5 13l4 4L19 7\" stroke=\"currentColor\" stroke-width=\"2.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\n        <\/span>\n        <span class=\"fso-float-badge-text\">\n          <span class=\"fso-float-badge-title\">TSP rebalance flagged<\/span>\n          <span class=\"fso-float-badge-meta\">Reviewed before your next PCS<\/span>\n        <\/span>\n      <\/div>\n\n      <div class=\"fso-video-shell\">\n        <div class=\"fso-video-topbar\">\n          <span class=\"fso-window-dot\" aria-hidden=\"true\"><\/span>\n          <span class=\"fso-window-dot\" aria-hidden=\"true\"><\/span>\n          <span class=\"fso-window-dot\" aria-hidden=\"true\"><\/span>\n          <span class=\"fso-window-label\">FSO Wealth planning portal<\/span>\n\n          <button type=\"button\" class=\"fso-video-toggle\" data-fso-video-toggle aria-pressed=\"false\" aria-label=\"Pause the portal demo\" hidden>\n            <svg class=\"fso-icon-pause\" viewBox=\"0 0 12 12\" aria-hidden=\"true\" focusable=\"false\"><rect x=\"2\" y=\"1.5\" width=\"3\" height=\"9\" rx=\"1\"\/><rect x=\"7\" y=\"1.5\" width=\"3\" height=\"9\" rx=\"1\"\/><\/svg>\n            <svg class=\"fso-icon-play\" viewBox=\"0 0 12 12\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 1.5 L10.5 6 L3 10.5 Z\"\/><\/svg>\n          <\/button>\n        <\/div>\n\n        <div class=\"fso-video-frame\">\n          <!-- No autoplay attribute. Playback starts from JS only when\n               the frame scrolls into view, which matters for anyone\n               reading this on post bandwidth. Add a poster still so the\n               frame is not black before then. -->\n          <video\n            id=\"fso-demo-video\"\n            muted\n            playsinline\n            preload=\"metadata\"\n            poster=\"\/wp-content\/uploads\/portal-demo-poster.jpg\"\n            aria-hidden=\"true\"\n            tabindex=\"-1\">\n            <source src=\"https:\/\/findash.ai\/media\/findash-demo.webm#t=4.4\" type=\"video\/webm\">\n          <\/video>\n        <\/div>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<script>\n(function () {\n  var v = document.getElementById('fso-demo-video');\n  var btn = document.querySelector('[data-fso-video-toggle]');\n  if (!v) return;\n\n  var LOOP_START = 4.4;\n  var LOOP_END = 13;\n  var reduce = window.matchMedia('(prefers-reduced-motion: reduce)').matches;\n  var pausedByUser = reduce;\n  var inView = false;\n\n  function seekToStart() {\n    if (v.currentTime < LOOP_START) { v.currentTime = LOOP_START; }\n  }\n  if (v.readyState >= 1) { seekToStart(); }\n  else { v.addEventListener('loadedmetadata', seekToStart); }\n\n  v.addEventListener('timeupdate', function () {\n    if (v.currentTime >= LOOP_END) {\n      v.currentTime = LOOP_START;\n      if (!v.paused) { v.play(); }\n    }\n  });\n\n  function play() {\n    if (pausedByUser || !inView) return;\n    var p = v.play();\n    if (p && p.catch) { p.catch(function () {}); }\n  }\n  function pause() { v.pause(); }\n\n  if (btn) {\n    btn.hidden = false;\n    if (reduce) {\n      btn.setAttribute('aria-pressed', 'true');\n      btn.setAttribute('aria-label', 'Play the portal demo');\n    }\n    btn.addEventListener('click', function () {\n      pausedByUser = !pausedByUser;\n      btn.setAttribute('aria-pressed', String(pausedByUser));\n      btn.setAttribute('aria-label', pausedByUser ? 'Play the portal demo' : 'Pause the portal demo');\n      if (pausedByUser) { pause(); } else { play(); }\n    });\n  }\n\n  \/\/ Only fetch and play once the mockup is actually on screen.\n  if ('IntersectionObserver' in window) {\n    new IntersectionObserver(function (entries) {\n      inView = entries[0].isIntersecting;\n      if (inView) { play(); } else { pause(); }\n    }, { threshold: 0.25 }).observe(v);\n  } else {\n    inView = true;\n    play();\n  }\n\n  document.addEventListener('visibilitychange', function () {\n    if (document.hidden) { pause(); } else { play(); }\n  });\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-27300be e-con-full e-flex e-con e-parent\" data-id=\"27300be\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1acee1 elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"a1acee1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<title>FSO Newsletter Section<\/title>\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1\">\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Lora:ital,wght@0,500;0,600;1,500;1,600&family=Inter+Tight:wght@400;500;600;700;800&display=swap');\nbody { margin: 0; background: #FFFFFF; }\n.fso-news-section {\n  --white: #FFFFFF;\n  --ink: #0B1F2A;\n  --card-ink: #131F2B;\n  --muted: #3F4E55;\n  --muted-2: #5F6F76;\n  --on-dark: #E8EEF0;\n  --on-dark-dim: #A9B8BE;\n  --border: #E7EBEA;\n  --accent: #14B8A6;\n  --accent-deep: #0D9488;\n  width: 100%;\n  background: var(--white);\n  padding: 72px 24px 88px;\n  font-family: \"Inter Tight\", \"Inter\", sans-serif;\n  box-sizing: border-box;\n}\n.fso-news-card {\n  max-width: 860px;\n  margin: 0 auto;\n  background: var(--card-ink);\n  border-radius: 20px;\n  padding: 44px clamp(28px, 5vw, 64px) 46px;\n  text-align: center;\n}\n.fso-news-kicker {\n  display: block;\n  color: var(--accent);\n  font-size: 12px;\n  font-weight: 800;\n  letter-spacing: 0.16em;\n  text-transform: uppercase;\n  margin-bottom: 12px;\n}\n.fso-news-headline {\n  color: #FFFFFF;\n  font-family: \"Lora\", Georgia, serif;\n  font-size: clamp(24px, 3vw, 34px);\n  line-height: 1.2;\n  font-weight: 600;\n  margin: 0 0 14px;\n}\n.fso-news-headline-accent { color: var(--accent); font-style: italic; }\n.fso-news-text {\n  color: var(--on-dark);\n  font-size: clamp(15.5px, 1.15vw, 17px);\n  line-height: 1.6;\n  max-width: 560px;\n  margin: 0 auto 26px;\n}\n.fso-news-form {\n  display: flex !important;\n  flex-direction: column !important;\n  flex-wrap: wrap !important;\n  gap: 10px;\n  max-width: 480px !important;\n  width: 100% !important;\n  margin: 0 auto 14px !important;\n}\n.fso-news-row {\n  display: flex !important;\n  flex: 1 1 100% !important;\n  width: 100% !important;\n  gap: 10px;\n  box-sizing: border-box;\n}\n.fso-news-input {\n  flex: 1 1 140px !important;\n  width: auto !important;\n  min-width: 0;\n  box-sizing: border-box;\n  background: rgba(255,255,255,0.07) !important;\n  border: 1px solid rgba(255,255,255,0.18) !important;\n  border-radius: 999px !important;\n  padding: 14px 20px !important;\n  color: #FFFFFF;\n  font-family: \"Inter Tight\", \"Inter\", sans-serif;\n  font-size: 15px;\n  outline: none;\n  transition: border-color 0.25s ease, background 0.25s ease;\n}\n.fso-news-input::placeholder { color: var(--on-dark-dim); }\n.fso-news-input:focus {\n  border-color: var(--accent);\n  background: rgba(255,255,255,0.10);\n}\n.fso-news-form > .fso-news-input {\n  flex: 0 0 auto !important;\n  width: 100% !important;\n}\n.fso-news-button {\n  flex: 1 1 100% !important;\n  width: 100% !important;\n  background: var(--accent) !important;\n  color: var(--ink) !important;\n  border: 1px solid var(--accent);\n  border-radius: 999px !important;\n  padding: 14px 26px !important;\n  font-family: \"Inter Tight\", \"Inter\", sans-serif;\n  font-size: 15px;\n  font-weight: 700;\n  cursor: pointer;\n  transition: all 0.25s ease;\n  white-space: nowrap;\n  box-shadow: 0 8px 18px rgba(0, 0, 0, 0.25);\n}\n.fso-news-button:hover {\n  background: var(--accent-deep) !important;\n  border-color: var(--accent-deep);\n  color: #F7FAF9 !important;\n  transform: translateY(-2px);\n  box-shadow: 0 12px 26px rgba(0, 0, 0, 0.35);\n}\n.fso-news-button:focus-visible {\n  outline: 2px solid var(--accent);\n  outline-offset: 3px;\n}\n.fso-news-button[disabled] {\n  opacity: 0.65;\n  cursor: default;\n  transform: none;\n  box-shadow: none;\n}\n.fso-news-hp {\n  position: absolute;\n  left: -5000px;\n}\n.fso-news-status {\n  font-size: 14.5px;\n  line-height: 1.5;\n  margin: 0 0 12px;\n}\n.fso-news-status[data-state=\"success\"] { color: var(--accent); font-weight: 700; }\n.fso-news-status[data-state=\"error\"] { color: #FCA5A5; }\n.fso-news-note {\n  color: var(--on-dark-dim);\n  font-size: 13px;\n  line-height: 1.5;\n  margin: 0;\n}\n.fso-news-note a {\n  color: var(--accent);\n  font-weight: 600;\n  text-decoration: none;\n  border-bottom: 1px solid rgba(20,184,166,0.4);\n}\n.fso-news-note a:hover {\n  border-bottom-color: var(--accent);\n}\n@media (max-width: 560px) {\n  .fso-news-section { padding: 56px 16px 64px; }\n  .fso-news-card { padding: 36px 22px 38px; }\n  .fso-news-row { flex-direction: column; }\n  .fso-news-button { width: 100% !important; }\n}\n<\/style>\n<\/head>\n<body>\n<section class=\"fso-news-section\">\n  <div class=\"fso-news-card\">\n    <span class=\"fso-news-kicker\">From our desk to your post<\/span>\n    <h2 class=\"fso-news-headline\">Get <span class=\"fso-news-headline-accent\">The Pouch.<\/span><\/h2>\n    <p class=\"fso-news-text\">Occasional emails on the financial decisions that come with Foreign Service life: TSP, pensions, taxes at post, investing, and more. You'll also receive invitations to our live webinars.<\/p>\n\n    <form class=\"fso-news-form\" id=\"fso-news-form\" action=\"https:\/\/fsowealth.us7.list-manage.com\/subscribe\/post?u=e10c71595155e8df83394afe0&amp;id=9c0d75b2c5&amp;f_id=005e93e0f0\" method=\"post\" target=\"_blank\" novalidate>\n      <div class=\"fso-news-row\">\n        <input class=\"fso-news-input\" type=\"text\" name=\"FNAME\" id=\"fso-news-fname\" placeholder=\"First name\" aria-label=\"First name\" autocomplete=\"given-name\">\n        <input class=\"fso-news-input\" type=\"text\" name=\"LNAME\" id=\"fso-news-lname\" placeholder=\"Last name\" aria-label=\"Last name\" autocomplete=\"family-name\">\n      <\/div>\n      <input class=\"fso-news-input\" type=\"email\" name=\"EMAIL\" id=\"fso-news-email\" placeholder=\"Your email\" aria-label=\"Email address\" autocomplete=\"email\" required>\n      <button class=\"fso-news-button\" id=\"fso-news-submit\" type=\"submit\">Subscribe<\/button>\n      <div class=\"fso-news-hp\" aria-hidden=\"true\">\n        <input type=\"text\" name=\"b_e10c71595155e8df83394afe0_9c0d75b2c5\" tabindex=\"-1\" value=\"\" autocomplete=\"off\">\n      <\/div>\n    <\/form>\n\n    <p class=\"fso-news-status\" id=\"fso-news-status\" hidden><\/p>\n\n    <p class=\"fso-news-note\">Written by Warren. 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By subscribing you agree to FSO Wealth's <a href=\"\/privacy\/\">privacy policy<\/a>.<\/p>\n  <\/div>\n<\/section>\n\n<script>\n(function () {\n  var MC_URL = 'https:\/\/fsowealth.us7.list-manage.com\/subscribe\/post-json?u=e10c71595155e8df83394afe0&id=9c0d75b2c5&f_id=005e93e0f0';\n\n  function initFsoNewsletter() {\n    var form = document.getElementById('fso-news-form');\n    var email = document.getElementById('fso-news-email');\n    var fname = document.getElementById('fso-news-fname');\n    var lname = document.getElementById('fso-news-lname');\n    var button = document.getElementById('fso-news-submit');\n    var status = document.getElementById('fso-news-status');\n    if (!form || !email || !button || !status) return;\n\n    var busy = false;\n\n    function setStatus(state, message) {\n      status.textContent = message;\n      status.setAttribute('data-state', state);\n      status.removeAttribute('hidden');\n    }\n\n    function cleanMessage(raw) {\n      if (typeof raw !== 'string') return '';\n      var text = raw.replace(\/<[^>]*>\/g, '');\n      text = text.replace(\/^\\d+\\s*-\\s*\/, '');\n      return text.trim();\n    }\n\n    form.addEventListener('submit', function (e) {\n      e.preventDefault();\n      if (busy) return;\n\n      var emailValue = email.value.trim();\n      if (!emailValue || emailValue.indexOf('@') === -1) {\n        setStatus('error', 'Please enter a valid email address.');\n        email.focus();\n        return;\n      }\n\n      \/\/ Honeypot: if a bot filled the hidden field, quietly do nothing.\n      var hp = form.querySelector('input[name=\"b_e10c71595155e8df83394afe0_9c0d75b2c5\"]');\n      if (hp && hp.value) return;\n\n      busy = true;\n      button.disabled = true;\n      button.textContent = 'Subscribing\u2026';\n      status.setAttribute('hidden', '');\n\n      var callbackName = 'fsoMcCallback_' + Date.now();\n      var script = document.createElement('script');\n      var finished = false;\n\n      function finish() {\n        busy = false;\n        button.disabled = false;\n        button.textContent = 'Subscribe';\n        if (script.parentNode) script.parentNode.removeChild(script);\n        try { delete window[callbackName]; } catch (err) { window[callbackName] = undefined; }\n      }\n\n      window[callbackName] = function (data) {\n        finished = true;\n        finish();\n        if (data && data.result === 'success') {\n          form.style.display = 'none';\n          setStatus('success', cleanMessage(data.msg) || 'You are in. 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