Financial Planning For FERS Federal Employees
Reduce Taxes | Maximize Benefits | Live Confidently
How We Help You
FERS Retirement Planning
We’ll help you determine whether your FERS pension will provide the retirement you want and how to effectively use Social Security and your TSP to fill any income gaps.
TSP Investing Strategy
We’ll help you match your TSP investment strategy with your risk tolerance and goals, so you can spend less time worrying about investment returns and more time living life.
Because we specialize in serving federal employees, we can help you get the most out of your hard-earned benefits.
An Integrated Plan
We will help you understand your benefits from a financial planning perspective and help you integrate them into your overall financial plan.
PHASE 1 OF OUR FINANCIAL PLANNING PROCESS
1. Initial Meeting
We’ll talk about what’s going on right now, what you want in the future, and what makes you happy. Afterward, you’ll know whether Create Your Path is the right financial partner for you.
2. Get to Know You
In order to do your financial planning well, we need to know who you are. So, during this meeting we will focus on your concerns, goals, and desires, which will allow us to understand your unique needs and objectives.
3. Get Organized
During this meeting, we will collect any necessary information while helping you sort through your financial lives and get organized.
During the Strategize meeting, we will analyze and evaluate your current financial status using our financial planning software.
5. Financial Plan Delivery
The final meeting in Phase 1 is the Financial Plan Delivery meeting. During this meeting, we’ll present our financial planning strategies. The goal is to commit to implementing the top 1 or 2 recommendations.
How We’re Different
At Create Your Path, we believe in providing real financial planning services, not product sales. That’s why we are a fee-only firm, which means we do not receive commissions and are only paid by you, the client. We are also fiduciaries, which is a fancy way of saying we always put your interest first.
JOSE ARMENTA, CFP®
A Message From Our Founder
Hi, I’m Jose Armenta and I’m the founder of Create Your Path (CYP), a fee-only financial planning firm dedicated to helping federal employees make better decisions with their money.
I founded CYP after realizing that federal employees had limited access to real financial planning. They were either sold insurance products that they didn’t need or were given generic advice that didn’t incorporate their federal employee benefits or address their life goals.
We are different. At Create Your Path, we help federal employees understand their benefits from a financial planning perspective and help them implement a plan to achieve their life goals.
When I am not working, I enjoy breaching blanket forts with my three little ones, playing the drums, and taking family trips to Legoland.
Content About Your FERS Federal Benefits
Any Federal employees hired after January 1, 1987, are covered under the Federal Employees Retirement System (FERS). However, not allContinue reading “What is the FERS Enhanced Pension Multiplier?”
For most federal employees, retirement has always seemed like a far-away concept and not a top priority. But as retirementContinue reading “8 Things Federal Employees Should Do 5 Years Before Retirement”
Personal finances can be complicated, especially when you’re a federal employee with a robust benefits package that includes a FERSContinue reading “3 Reasons Why Federal Employees Should Hire A Financial Advisor￼”
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