Financial Advisor for Federal Employees and Retired Military-temp
Financial Advisor for Federal Employees
and Retired Military in Oklahoma City
You served this country with dedication and discipline. For over 30 years, Advance Financial Lighthouse has helped federal employees and retired military maximize the benefits they earned — FERS, TSP, FEHB, military pension, VA benefits, and Survivor Benefit Plan elections.
Your Federal Benefits Are More Powerful Than Most Advisors Know.
The decisions you make about your FERS pension and TSP in the years before retirement will define your financial life for decades.
As a financial advisor for federal employees, Kathy Williams understands that the government benefit package is one of the most comprehensive in America — and one of the most underutilized. Most general advisors don't work with federal benefits often enough to understand how the pieces fit together — FERS, TSP, FEHB, FEGLI, and Social Security all interact, and decisions in any one affect the others. Our financial planning for government employees is built around exactly that coordination. We build values-based financial planning for government employees that turns those benefits into a retirement that reflects your service and your life.
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. As a federal employee retirement planner, we work through the math so the date you choose reflects what you actually want.
The TSP is the largest federal benefit most employees don't fully use. Working with a TSP financial advisor who understands the Thrift Savings Plan in depth — fund selection, contribution strategy, rollover timing, and withdrawal sequencing at retirement — matters because every one of those decisions has major effects on what your TSP actually does for you over time, including the tax efficiency of every dollar you withdraw. As a TSP financial advisor coordinating these moves with your FERS pension, we make sure the pieces work together.
FEHB eligibility, FEGLI conversion options, and survivor benefit elections shape what happens to your spouse and your healthcare for the rest of your life. Most are irreversible once you file — and most general advisors don't flag them until it's too late. We coordinate these decisions with your estate and legacy plan.
You Earned Every Benefit.
Let Us Help You Keep It.
The decisions you make at separation are largely irreversible. Most are made in a window of weeks.
We coordinate military pension, VA disability benefits, Survivor Benefit Plan elections, and TSP withdrawals into one cohesive strategy — ensuring every benefit you earned works together, not in isolation.
Pension and VA disability benefits don't coordinate automatically — the timing and sequencing affect your monthly income for life.
The SBP election is the most consequential decision most retiring military make — and most receive less than an hour of guidance before filing.
New employer plans, civilian healthcare, and changed tax exposure all land in the months right after separation.
“You spent your career serving this country. 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 and Military Clients Ask Us First
Do I need a financial advisor who specializes in federal employee retirement planning?
Federal benefits are different 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 benefit decisions all interact with each other. Working with a dedicated federal employee retirement planner who understands how these pieces fit together is the difference between a plan that works and one that leaves benefits on the table. At Advance Financial Lighthouse, federal employee planning is one of the deepest specialties in our practice. Learn more about our fiduciary standard.
Which federal agencies do you typically work with in Oklahoma City?
We work with employees from Tinker Air Force Base, the FAA, Veterans Affairs, the IRS, the National Weather Center, the U.S. Postal Service, and other federal agencies in Oklahoma City and across the country — both active employees planning toward retirement and recent retirees coordinating benefits.
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 retirement. That said, we also help federal employees within months of retirement make the best decisions with the time they have.
Can you help retiring military coordinate a pension with civilian retirement plans?
Yes. Coordinating a military pension with Social Security, VA disability, the Survivor Benefit Plan, TSP withdrawals, and any civilian employer plans is one of the most common situations we work on. Each piece interacts with the others, and the decisions made at separation often cannot be undone.
Do you only work with federal employees in Oklahoma?
We are based in Oklahoma City but serve federal employees and retired military nationwide through virtual planning meetings. If you are still evaluating advisors, our guide on how to choose a financial advisor may help.
You Served This Country.
Now Let Us Serve You.
Steady. Purposeful. Always in your corner.
Schedule a complimentary consultation with Kathy Williams, RFC®, and let us build a retirement strategy that maximizes every benefit you earned through your years of service.