Financial Advisor for Federal Employees
in Oklahoma City
You built your career in public service. For over 30 years, Advance Financial Lighthouse has helped federal employees coordinate FERS, the TSP, FEHB, and FEGLI inside a complete plan — and grow into long-term wealth management clients along the way.
Your Benefits Are the Foundation. Not the Whole Plan.
Federal employees face unique decisions involving FERS pensions, the Thrift Savings Plan, FEHB, FEGLI, and retirement benefits.
At Advance Financial Lighthouse, we help federal employees coordinate these benefits within a comprehensive financial plan that includes investment management, retirement income planning, tax strategies, risk management, and legacy planning. We understand the complexities of federal benefits — but our work goes far beyond your pension and TSP.
Many people find us because they are searching for federal employee retirement planning. Over time, they often become long-term wealth management clients — because the goal isn't a single decision, it's helping you make informed choices throughout your career and into retirement. Our values-based planning is built around exactly that.
Federal Professionals at Every Stage
Within five years of your date and weighing FERS, TSP, and benefit elections.
Growing wealth, optimizing TSP contributions, and planning well ahead.
Coordinating income, FEHB and Medicare, and withdrawals already in motion.
Senior federal roles with more complex tax and investment pictures.
Two sets of federal benefits that work best when planned together.
The Decisions That Define Your Federal Retirement
Your FERS pension is based on your high-3 salary, years of creditable service, and retirement age. Small changes in retirement date or final salary can produce meaningful differences in lifetime income. See our approach to federal employee retirement planning.
Allocation, contribution strategy, and withdrawal sequencing each carry consequences that compound over time. The TSP is often your largest asset — explore our dedicated TSP planning for federal employees.
FEHB and Medicare coordination, FEGLI options, and survivor benefit elections shape your healthcare and your spouse's security for life — and most are difficult to reverse once filed. We weigh them inside your full plan. Learn more about federal employee benefits planning.
Build, Protect, and Distribute Your Wealth
Grow and accumulate through disciplined investment management and comprehensive financial planning that aligns your money with your goals.
Safeguard what you have built with risk management and insurance planning, plus the FEHB, FEGLI, and survivor decisions that protect your family.
Turn benefits into income with retirement income planning, tax-efficient withdrawals, and estate and legacy planning.
Nine Steps to a Complete Financial Plan
From discovery to delivery to ongoing stewardship — every client, every time.
We explore your goals, values, and what you want your life to look like. We determine whether we're a good fit and what a partnership would mean for your future.
Your paraplanner helps you establish your personal secured financial dashboard portal and gather key details — income, assets, debts, insurance, and investments.
We review your current investments, evaluate alignment with your retirement timeline and risk tolerance, and begin mapping your path toward financial independence.
We review your spending and debts, identify shortfalls or surpluses, and recommend practical adjustments to strengthen monthly cash flow and accelerate debt reduction.
We examine your insurance coverage, identify protection gaps, and analyze risks that could derail your plan — helping ensure your family, income, and legacy are properly protected.
We review your tax situation and estate documents, and refer you to trusted attorneys and tax professionals in Oklahoma to support efficiency and help see that your wishes are honored.
Within 180 days of your signed agreement, we present your complete, personalized Financial Plan — covering all goals, recommendations, and a clear roadmap for implementation.
We walk through every recommendation, answer your questions, and begin coordinating implementation — investments, insurance, tax strategies, and estate planning steps.
Life changes — and so should your plan. We meet regularly to review progress, rebalance your portfolio, and work to keep your financial plan reflecting your life and goals.
Federal-Specific Planning Pages
FERS, retirement date, FEHB and Medicare, survivor benefits, and Social Security — brought into one plan.
Learn More →Fund selection, Roth vs. traditional, rollovers, and withdrawal sequencing for your largest asset.
Learn More →FEHB, FEGLI, survivor elections, and the benefit decisions that are easy to miss and hard to undo.
Learn More →The Full Plan Behind Your Federal Benefits
“You spent your career serving the public. The least we can do is make sure every benefit you earned is working as hard for you as you worked for it.”
Kathy Williams, RFC® · President, Advance Financial Lighthouse
What Federal Employees Ask Us First
Do I need a financial advisor who specializes in federal benefits?
Federal benefits differ enough from civilian plans that most general advisors miss the details that matter most. FERS calculations, TSP sequencing, FEHB and Medicare coordination, FEGLI elections, and survivor decisions all interact. Working with a dedicated federal benefits specialist is generally the difference between a plan that works and one that leaves benefits on the table. Learn more about our fiduciary standard.
Do you only help with my pension and TSP, or my whole financial life?
Your federal benefits are the foundation, not the whole plan. We coordinate them with investment management, retirement income, tax strategy, risk management, and estate planning — so many of the federal employees we meet become long-term wealth management clients.
When should I start federal retirement planning?
Five years before your planned retirement date is ideal — many decisions depend on choices made in the years leading up to it. That said, we also help federal employees within months of retirement make the best decisions with the time they have.
Do you only work with federal employees in Oklahoma?
We are based in Oklahoma City but serve federal employees nationwide through virtual planning meetings. If you are still evaluating advisors, our guide on how to choose a financial advisor may help.
You Devoted Your Career to Public Service.
Now Let Us Serve You.
Steady. Purposeful. Always in your corner.
Schedule a complimentary consultation with Kathy Williams, RFC®, and let us build a plan that turns every federal benefit you earned into lasting financial security.