Why We Serve Federal Employees

By Jay Shareef ChFEBC℠ and Chris Rhoads ChFEBC℠ 

Just as you wouldn’t want a plumber wiring the electricity in your new home, you don’t want just anybody guiding you in your financial life. With something as important as your finances, you want to experience the peace of mind that comes from entrusting your money to someone who has knowledge and experience that relates to your unique situation.

That’s why, rather than provide as many services as possible to as many people as we can reach, we prefer to serve specific groups of clients and tailor our services to fit their needs. This allows us to dedicate more time to each client so we can build strong, trusted relationships. One such group we serve is federal employees. Here’s why.

A Personal Touch

The mission of Certa Advisors is to provide customized retirement planning that not only gives you confidence and clarity, but also protection from whatever life brings your way. That’s going to look different for everyone, especially those who have unique benefits or situations that require an expert touch.

That’s definitely the case for federal employees. Our team is made up of professionals who not only know what it’s like to be a federal employee but also have the experience and knowledge that comes from being a Chartered Federal Employee Benefits Consultant℠ (ChFEBC℠). Because of what we’ve seen and the relationships we have with federal employees, we are passionate about helping federal employees avoid common pitfalls that lead to financial issues down the road. 

Our Clients’ Needs

Federal benefits are just that, a benefit. But along with those benefits comes questions about how to maximize them and make the right decisions so that your retirement looks the way you’ve dreamed. We know how to guide you through the plethora of options surrounding pensions, retirement accounts, plan tiers, Social Security, and cash flow. In fact, you likely have the following kinds of questions running through your head, questions you either can’t answer on your own or don’t have the time and expertise to navigate thoroughly. That’s what we’re here to help with.

  • What options are available to me through the Thrift Savings Plan, and how can I maximize my benefits to make sure I have enough money for a successful retirement?
  • Am I eligible for the Federal Employee Retirement System (FERS) or the Civil Service Retirement System (CSRS)?
  • What do I need to know about my pension, and how do I supplement it with personal savings?
  • When can I retire?
  • What type of health, life, long-term care, and disability insurance is available to me?
  • If I pass away, does my spouse still receive my retirement benefits?
  • Is the Survivor Benefits Plan something I should think about?

Because of your different challenges and opportunities, lifestyle, values, and decisions, you need the specialized touch of someone who understands you and can innately grasp what you face, both practically and financially.

How Certa Advisors Can Help

Our goal is to help federal employees thrive in retirement. Through comprehensive planning that looks at every benefit available to you and all aspects of retirement, we help you build a bulletproof plan so you don’t retire worrying about outliving your money. And we go beyond giving you a plan. We actually walk you through the process of filling out your retirement package and making your selections. That means no more second-guessing whether you understand the questions or what options are right for you and your family.  

At Certa Advisors, we want to use what we have learned, coupled with our passion and knowledge in the financial world, to help you reach your financial goals and experience the confidence that comes with financial security. If you don’t already have an advisor helping you do that, reach out to me at (301) 798-5250 or schedule a phone call now.

About Jay

Jay Shareef is vice president, financial advisor, federal benefits consultant, and co-founder at Certa Advisors. As a U.S. Army veteran, Jay is passionate about helping federal employees create a bulletproof plan for retirement and navigate the often confusing and complicated federal benefits landscape. He spends his days educating and providing clients with unbiased insurance benefits and retirement strategies to help his clients create guaranteed income for life. As a problem-solver and trustworthy resource, Jay always puts his clients and their needs first so they can find financial peace of mind. He has a degree in finance and holds the Chartered Federal Benefits consultant (ChFEBC℠) credential. To learn more about Jay, connect with him on LinkedIn.

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