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?

Business men planning and tablet while talking about strategy

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.

Schedule a Consultation

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

Schedule a Consultation

Memberships & Associations

Xypn logo
CFP logo
NAPFA logo
Fee Only Network logo
Charles Schwab logo

Services

 

Financial Planning

 

Investment Management

 

Tax Preparation & Planning

 

Estate Planning

 

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.

Schedule a Consultation

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

Handshake between firefighter

Schedule a Consultation

Blog

Why Sticking to a Long-Term Investment Strategy Pays Off in Market Downturns

James Estep |
Categories
Investments
Finance
Risk Management
Watching your portfolio take a hit can be unsettling, but staying focused on the long game is crucial. Even in uncertain times, a long-term strategy helps you navigate market ups and downs more effectively. Here, we’ll explore why market corrections are normal, how understanding historical trends can offer reassurance, and why sticking with your strategy benefits your financial future. Understanding Market Corrections: How Common Are They? Market corrections—typically defined as a drop of 10% or...

5 Damaging Myths About Money Talks & the Facts Behind Them

James Estep |
Categories
Investments
Finance
Lifestyle
Savings
Family
What money topics are the most taboo to talk about? Earnings, debt, inheritance, or net worth? For most of us, many financial topics are simply off-limits. 1 That means that many of us are not discussing money as much as we probably should be. 1 Without those talks, myths about money and financial conversations can get a much stronger grip on our perspective and our financial decisions. That silence may end up stunting our financial...