If your portfolio is built around your goals and properly diversified, it's designed for moments like this.
We Are Here to Help You
Make Informed DROP & Pension Decisions
Allocate Your Portfolio Based on Your Needs
Quit Worrying About Money
Worried You'll Outspend Your Assets?
As a firefighter or law enforcement officer getting ready for retirement or a new career, you may feel:
Worried that you'll make DROP and defined benefit decisions that deplete your nest egg prematurely
Stressed about coordinating your complex benefit options so that they all work together toward your goals
Anxious that you will make mistakes that affect your income for the rest of your life
We believe you shouldn't feel nervous about choosing your benefit options or living on a fixed income when you can have a detailed financial plan to help you live a great life.
Take on the Next Chapter of Your Life with Certainty
Our Goal is to Help You
Have a Spending Plan
Set up vacations and other goals knowing how much you can spend without depleting your savings.
Take Control of Your Portfolio
Feel assured your investments are allocated appropriately based on your cash flow needs, not just your risk tolerance.
Reduce Your Taxes
Create an income distribution plan for retirement that helps maximize your tax savings.
Professional Guidance from Former Firefighters
After a combined 56 years of public service, we understand, personally and professionally, how overwhelming it can be to take ownership of all your benefits.
We use scenario modeling to help first responders understand their financial decisions, including the impacts of pension elections and the allocation of DROP and 457(b) assets.
Firm founders James Estep and Leo Nunez are retired firefighters with over 25 years of combined experience as CERTIFIED FINANCIAL PLANNER™ professionals.
Over the last 25 years, James and Leo have served as trustees on the Miramar Firefighters Pension Plan and as IAFF Local 2820 Executive Board members. They are both affiliated with the Florida Public Pension Trustees Association and have achieved the Certified Public Pension Trustee designation.
Our team is here to assist you in attaining all of your financial goals
Memberships & Associations
Services
DROP Account Management
Tax-Free Rollover Strategies
Social Security Planning & Integration
Deferred Compensation Planning
How To Work With Us
1. Schedule a Call
Schedule an introductory call to see how we can add value to your situation.
2. Discuss Your Goals
Conduct a discovery meeting to discuss your goals and whether our service is a fit.
3. Get Excited for the Future
Enter into an engagement so we can start creating your personalized blueprint for the next stage of life.
Are We a Match?
You want to partner with a financial advisor whose expertise is working with people like you. We may be a good fit if you:
Are a Florida first responder preparing to retire or start a new career and need to make decisions about the DROP, your pension, and other benefits
Want to sleep great at night because you have an accountability partner helping you achieve financial freedom
Seek an ongoing relationship with a financial advisor to help you stay on track with your financial goals while managing your investments at the same time
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