Retiring from federal service comes with a different set of decisions than private-sector workers face. From choosing the right time to retire to coordinating pension income with TSP withdrawals and Social Security, there are many moving parts to consider. Survivor benefits, healthcare continuation, and tax planning also play a role. With multiple systems at play—including FERS, CSRS, and TSP—small decisions can have long-term effects. We work with federal employees and retirees to bring clarity to their retirement choices, helping align benefit options with income needs, tax considerations, and family priorities.

Transferring wealth is about more than leaving assets behind; it’s about honoring your values, supporting your loved ones, and preparing for transitions with clarity. A thoughtful legacy plan considers how to pass wealth efficiently, communicate intentions, and align your financial goals with estate, tax, and charitable considerations. Our wealth transfer services help families develop strategies that reflect what they want to preserve and why. From beneficiary planning to gifting strategies, trust conversations, and charitable giving, our role is to guide you through the planning process in a way that reflects both the numbers and the meaning behind them.

As retirement approaches, priorities often shift from building wealth to preserving it. Market risk, inflation, healthcare costs, and taxes can all impact what you’ve worked to accumulate. A wealth preservation strategy considers how your assets are positioned and what adjustments may help reduce exposure to unnecessary risk. We help identify gaps, evaluate options like insurance, tax-aware withdrawals, and asset allocation shifts that support sustainability without losing sight of your goals. Whether you want to maintain income, plan for future needs, or leave a legacy, preservation planning is about protecting your financial foundation while allowing room for flexibility.

Retirement isn’t just about having enough saved; it’s about using what you’ve built in a way that supports your life. We work with individuals and families to develop thoughtful income distribution plans that reflect personal goals, tax considerations, and spending needs. From evaluating when to take Social Security to coordinating withdrawals across accounts, we help bring structure and clarity to the process. Every plan we create is personal, built with flexibility in mind, and designed to adapt as your situation changes. Whether you’re entering retirement or reevaluating your current plan, we’re here to help guide the way forward.

Whether you’re saving for retirement, a major purchase, or building generational wealth, accumulation planning is key to helping support future financial goals. But it’s not just about chasing returns—it’s about making decisions that align with your income needs, risk comfort, and long-term vision. We take time to understand your priorities and build strategies that consider tax impact, market exposure, and flexibility. From investment planning to contribution strategies and account diversification, our wealth accumulation strategies help organize your approach to asset growth with care and clarity. Your plan is designed to evolve alongside your life and goals.

At Fredericks Wealth Management, we’ve seen how rising taxes can affect families, especially when most of their savings are in tax-deferred accounts. Our process focuses on helping you gradually shift into tax-free vehicles, like Roth IRAs, Roth 401(k)s, or life insurance strategies, that may allow for tax-free income. We work closely with you to review your current balances, income needs, and tax brackets, then build a plan around your situation. We’ve helped generations of families prepare for retirement with strategies built to support flexibility and sustainability, not just numbers on a page.