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?

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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

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Memberships & Associations

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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

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Schedule a Consultation

Blog

Your Role & Responsibilities as an Agent in a Power of Attorney (POA)

James Estep |
Categories
Investments
Finance
Tax Planning
Insurance
Estate Planning
A power of attorney (POA) can grant you certain authority and specific responsibilities. While the extent and limitations of POAs can vary based on many factors, stepping into the role of power of attorney can be unlike anything else. That’s because it puts you in the driver’s seat to make key decisions and oversee vital needs for someone else. That doesn’t mean that POAs come with carte-blanche powers or that one power of attorney will mirror another. Explaining how POAs work, this guide shares more fundamentals, detailing some common types of powers of attorney and the responsibilities you may have as an agent of one of these devices.

Practical Tips: How to Avoid These 4 Estate Planning Missteps

James Estep |
Categories
Finance
Lifestyle
Estate Planning
First, let’s start by uncovering the most common mistake in estate planning… Surprisingly, this frequently made mistake might already be on your doorstep. A staggering number of people haven’t yet started an estate plan. It’s a critical oversight that can have far-reaching implications, but this isn’t the only pitfall that can disrupt your planning efforts. Here’s a breakdown of 4 estate planning missteps and how to fix them: Mistake #1: Neglecting to Update Your Estate...