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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.

Benefit Maximization

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.


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.

4. Strategize

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.


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

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