financial planner Stephen Zelcer

Financial Planning for Federal Employee

A fiduciary advisor Specializing in Retirement Planning & Federal Benefits

A fiduciary advisor Specializing in Retirement Planning & Federal Benefits


Your goals say a lot about you. They reflect your value system and your personal philosophies on life, family, giving, making an impact. Not reaching your goals is deeply frustrating. Not having goals is deeply disorienting.

Being deeply enmeshed in financial planning has trained me to recognize that your money is a reflection of your deeply-held philosophies. As a fiduciary financial advisor I help my clients articulate their personal goals, remove the drags of financial inefficiency, and maximize all their financial resources – meaning, I help get you to your goals as quickly as possible.

Start your own financial plan with me today and accelerate the realization of your goals.


Achieving your goals is very doable. But people somehow manage to get in their own way! Either they float around with no plan, making their financial decisions on the fly. Or, they lose sight of the prize and get distracted by irrelevant billboards or technical details. Not having a financial plan will delay your goals, costing you more time and more money, or perhaps worse – not achieving your goals at all.  

financial advisor for federal employees

Having a plan will enable you to articulate your personal goals, remove any financial inefficiency from your finances, and maximize all your resources – helping you reach your goals as quickly as possible.


Organize, Strategize, Maximize™

Your finances can be organized, strategized and maximized, and the process can be simple, neat, rewarding, and fulfilling. Let me help you Organize, Strategize, Maximize™ your financial life

Plan your Financial Future

Choose the Plan that suits you best

TSP Planner

$ 15
a month
  • Free Month. No Credit Card Required
  • TSP Planning mail

Financial Planner

$ 500
  • Dynamic Personal Financial Planning Software
  • SZ Personal Consulation
  • TSP Planning Mail
  • Live Webinars
  • Dynamic E-Workbook with Extra
  • Access to Webinar Archive
  • Life Insurance Workbook
  • 26 Benefit Question Series(with Answers)
  • Top Ten TSP Mistakes

One on One

  • Comprehensive Financial Planning
  • Estate Planning & Accounting Services

Plan your Financial Future

Choose the Plan that suits you best

TSP Planner

$ 45
a month
  • Monthly TSP reports
  • Market Outlook with Stephen's recommended TSP portfolios

Financial Planner

$ 2,600
  • 4 meetings with Stephen's team
  • Dynamic Personal Financial Planning Software
  • Monthly TSP reports
  • Library of Educational Webinars
  • Planning E-books
  • Annual Review Every Year
  • Great for Do-it-Yourself-ers

Total Planner

  • Includes everything in the "Financial Planner" package
  • Active Portfolio Management
  • Estate Planning
  • Accounting & Tax Planning

How I add Value

webinar on financial advice federal


Meet with me one on one. We will set financial objectives in line with your goals, eliminate inefficiencies and map out your financial future.



Regular Webinars were I analyze various financial subjects and identify action steps for federal employees. 

expert for federal employees to retire


Monthly TSP reports with up to date analysis of the major movements in the market, and my recommended allocations for your TSP.

financial software for federal employees


Connect all your accounts for a consolidated view of your entire financial picture. Including your savings, investments, debt & cashflow.


Financial planning exercises that help you define your retirement and insurance needs.


With mobile access to your client portal you will be able to look at your complete financial picture in the palm of your hand. 

What My Financial Plans Cover

Accounting of Income versus Expenses

Define short, mid & long term goals

Craft your savings plan

Debt reduction Strategy

Define Investment Need

How to position your TSP, 401(k), IRAs and Non-Retirement accounts

Investment Performance & Rebalancing Analysis

Investment Taxation Analysis

Investment Distribution Strategy

Retirement Cashflow Projections

When to take Social Security

FEHB & Medicare

Life Insurance Analysis

LTC Insurance Analysis

How to Give to Charity


My clients say

I have over 15 years of financial planning experience with federal employees at all levels, including executives and judges.

Noelle M

Stephen, this helps immensely! This is exactly what I like best about your advice -- You always get right down to it and give me the applicable equation in both numbers and words, then use it in a real life example. Thanks much

James B

Thanks Stephen, for the valuable information. I have followed up on your expert advise to stay on track for retirement. So far, so good. Most of it is so common sense but we don't think about the risks; We just take that leap of faith and hope the landing is smooth. Retirement seems like preparing for the worst as opposed to preparing for the better. Thanks a bunch!!!

Wal & Jan

Stephen, We want to thank you for the plan presentation yesterday. It was very educational and helpful -- broader in scope and deeper in detail than we had expected. We’ve learned a lot already, and we look forward to follow-up steps.


Frequently Asked Questions and Answers
  • The financial planning process is pretty revealing. I will dive into your current financial situation and paint your financial future. We will be reviewing everything financial, including your personal goals, paystubs, tax returns, credit card statements, etc. I will learn a lot about you, ranging from your spending habits to your family dynamics. I know, pretty personal, but very refreshing and rewarding. See below regarding the benefits to expect from a financial plan. Also, see below regarding how often we will meet.
  • There are numerous benefits of financial planning (aside from the details enumerated in the list above):
    • Goals – Goals are the framework of your thinking.  Most people float around with no defined goals, no plan, making their financial decisions on the fly.  As I mentioned above, not reaching your goals is deeply frustrating.  Not having goals is deeply disorienting.
    • Maximizing your cash flow – How much is your lifestyle costing you, and how much room do you have in your cashflow to apply to your other goals?  If you don’t know this, you are probably
    • Removing Inefficiencies – Even if you can easily achieve all of your financial goals, but are there inefficiencies costing you much more than it has to?  Stop losing money unnecessarily, and capture those losses and put them back to work!
    • Help with financial documents and technical decisions and distinctions – From retirement applications to loan applications to required minimum distributions.  You don’t want to mess these up.
    • Financial Consciousness – Knowing where you are and where you are going imbues you with financial consciousness, which impacts your spending and decision making.  You are aware and now consciously steer your life.
    • A coach that nudges you to execute your plan and advance towards your goals – I don’t just give you a to-do list and wave “Bye!”  I hold you to task and set due dates for you to execute your plan.
    • Reality check – Can you retire?  Can you afford to leave federal service.  You may want something so badly that your ability to be objective has been impaired.
    • 2nd set of eyes to double-check what you may already know but have doubts about – Even the greatest do-it-yourself-er benefits from reassurance.
    • Benefits to the non-financial spouse – You may know what’s going on in your financial life, but does your spouse?  Working with me gives your spouse someone else they can discuss their financial decisions with, in case you’re no longer around.
  • Most planning clients will meet with me about 4 times over the course of the planning process. These 4 meetings are usually spread over 4 months, and each meeting usually takes 1 – 1.5 hours.
  • Even the best of plans needs someone to execute. I’m not going to sugar-coat this. You will need to take action steps, and some of those actions steps will include examining your expenses, filling out long documents, calling your lender, investment broker, or insurance broker. Depending on the steps, it may take hours. I will nudge you along. The meetings we will have throughout the year also function as “due dates” for whatever action steps need to be executed, so you will have me coaching you. By the end of the planning process, you should have all the actions executed. Beyond the planning process, your actions will be primarily maintenance.  
  • I am a fee-based fiduciary advisor.  This means I only make money from providing a service, NOT a product.  My services include financial planning and asset management, and for those services I charge a flat fee.  I don’t work on an hourly basis.  Accounting & Legal services are offered by professionals in those respective fields and they bill you separately. 
  • Bring your paystubs, an inventory of your investments and debts, a ballpark idea of your expenses, and most importantly, try to start formulating your goals.

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