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Revolutionizing
Financial Planning for
Federal Employees

Why Valor Wealth Partners?

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Financial and Life Planning

We go beyond investments and assist clients with the many critical financial decisions that affect them daily.

Serve Federal Employees

As specialists with federal employee benefits, we can maximize those benefits in your plan.

Fiduciary 100% of the Time

We have no products to sell, so you can trust our advice is appropriate for you, always keeping your best interest in mind.

CoreValues

Treat people with Honor and Dignity

Work with Integrity and Transparency

Elevate with Education

Be Charitable and Passionate

Have Fun

Serving Federal Employees

We specialize in providing financial planning advice to mid-career and pre-retiree federal employees. Focusing on federal employees allows us to understand your unique needs and the programs that affect your families. While no two clients are the same, the benefits you share are complex and require advice from a competent team that can understand how they relate to your specific needs.

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Start With a Financial Plan

Developing a strategy is the first step to clarify, simplify, and organize your financial life.

Your Experience

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  • 10 Personalized Reports

  • 5 Meeting Minimum

  • Fiduciary Obligation

  • No Long-term Commitment Required

Why We Exist

Our clients are the reason we exist and we strive to make their experience exceptional. Valor Wealth Partners was created at the request of previous clients that wished we would support their long-term financial needs of their families. Because of those clients and the trust they bestow in us, we enter into each relationship with a deep sense of responsibility.

Experience Our Knowledge

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The Deferred Resignation Program – FINAL UPDATE BEFORE DEADLINE
21:11

The Deferred Resignation Program – FINAL UPDATE BEFORE DEADLINE

Over the last few days, we have seen many Agencies share much-needed information regarding the Deferred Resignation Program for federal employees. Unfortunately, not all agencies and HR departments have been as supportive. In this episode we… • Discuss the legality of the offer. • Share our insights on the various Deferred Resignation Agreements we have seen. • Provide insights on comments from the last video. • Offer last-minute considerations before you make your final decision. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. 0:53 Introduction 4:48 Legality of the Offer 7:41 Multiple Versions of the Deferred Resignation Agreement 14:12 Comments From Previous Video 16:34 Final Thoughts Referenced Links Keep in Touch, join our newsletter: https://lp.constantcontactpages.com/su/xgAKqXR/Keepintouch OPM’s Acting Director’s Memorandum Regarding: Legality of Deferred Resignation Program https://chcoc.gov/content/legality-deferred-resignation-program OPM Website – Fork In the Road Page: https://www.opm.gov/fork OPM Website – Fork In the Road FAQ Page (CURRENT): https://www.opm.gov/fork/faq Federal employees and their spouses are invited to complimentary educational workshops covering their federal benefits. For details, visit: https://fedimpact.com/VWP Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ https://www.myfederalretirement.com/category/podcasts/ https://www.myfederalretirement.com/ https://www.fedsmith.com/ Would you like to know more? https://www.valorwealthpartners.com/ https://www.linkedin.com/in/smithec/ https://www.linkedin.com/company/valor-wealth-partners https://www.facebook.com/ValorWealthPartners
The Deferred Resignation Program Uncovered – Part 2
28:10

The Deferred Resignation Program Uncovered – Part 2

There has been very little official clarification on the Deferred Resignation Program affecting federal employees. Instead, rumors and guessing have filed the void. In this episode we… • Share the official updates we have seen. • Discuss some of the comments from the last video. • Offer scenarios when federal employees should and shouldn’t consider replying to the Fork in Road email. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. 0:32 Intro 3:44 The 2 Specific Promises 5:25 Significant Changes to Original OPM FAQs 9:52 Additions to Original OPM FAQs 15:41 Comments from the Last Video 22:10 Scenarios When You Should Consider Resigning 25:21 Scenarios When You Should NOT Consider Resigning Referenced Links OPM Website – Fork In the Road Page: https://www.opm.gov/fork OPM Website – Fork In the Road FAQ Page (CURRENT): https://www.opm.gov/fork/faq OPM Website – Fork In the Road FAQ Page:(Original): Significant Changes to Original OPM Fork In the Road FAQ Page: https://valorwealthpartners.box.com/s/nes57l9i002ucvbmxseyx6z1mkbpjs6j Additions to Original OPM Fork In the Road FAQ Page: https://valorwealthpartners.box.com/s/uhfjei748gs2itakpa1tcg4jp6pf0mkk OPM’s Acting Director’s Memorandum Regarding: Guidance Regarding Deferred Resignation Program: https://chcoc.gov/content/guidance-regarding-deferred-resignation-program FedImpact Webinars from ProFeds: [Deferred Resignation] Part 1: Legitimacy, Distrust & Uncertainty: https://youtu.be/-YdR1Ye3XuQ?si=iduueT53tNCQeGUO FedImpact DOGE Video from ProFeds: https://youtu.be/82WXmEG7UL8?si=SLBoXN1cvXe9iC46 FedImpact Webinars from ProFeds: https://fedimpact.com/webinars/ Federal employees and their spouses are invited to complimentary educational workshops covering their federal benefits. For details, visit: https://fedimpact.com/VWP Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ https://www.myfederalretirement.com/category/podcasts/ https://www.myfederalretirement.com/ https://www.fedsmith.com/ Would you like to know more? https://www.valorwealthpartners.com/ https://www.linkedin.com/in/smithec/ https://www.linkedin.com/company/valor-wealth-partners https://www.facebook.com/ValorWealthPartners
The Deferred Resignation Program Uncovered
16:31

The Deferred Resignation Program Uncovered

Multiple news organizations reported the Deferred Resignation Program as a severance offer where you stop working tomorrow and get paid through September. One news reporter went as far as saying get paid while you are on a cruise. Our interpretation is quite different and you need to be sure you understand what is being offered before you make this big decision. In this episode we: • Share our concerns with the very vague guidelines of this program. • Provide examples of specific wording from OPM and the Fork in the Road email that was sent. • Offer solutions where you can get expert guidance to help you make this decision. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. 1:14 Intro 2:45 The 2 Specific Promises 3:43 Fork in the Road Email 7:30 OPM Guidance 12:44 Where Can You Get Information Resources for this Video: OPM Website – Fork In the Road Page: https://www.opm.gov/fork OPM Website – Fork In the Road FAQ Page: https://www.opm.gov/fork/faq OPM’s Acting Director’s Memorandum Regarding: Guidance Regarding Deferred Resignation Program: https://chcoc.gov/content/guidance-regarding-deferred-resignation-program FedImpact Webinars from ProFeds: https://fedimpact.com/webinars/ Article from My Federal Retirement: https://www.myfederalretirement.com/deferred-resignation-program/ Federal employees and their spouses are invited to complimentary educational workshops covering their federal benefits. For details, visit: https://fedimpact.com/VWP Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ https://www.myfederalretirement.com/category/podcasts/ https://www.myfederalretirement.com/ https://www.fedsmith.com/ Would you like to know more? https://www.valorwealthpartners.com/ https://www.linkedin.com/in/smithec/ https://www.linkedin.com/company/valor-wealth-partners https://www.facebook.com/ValorWealthPartners
Questions to Ask a Financial Advisor – Federal Employee Edition
27:20

Questions to Ask a Financial Advisor – Federal Employee Edition

There is a revolution trying to improve how people work with Financial Advisors. Unfortunately, many people still work with salespeople that are primarily focused on their own revenue. We know there is a better way. In this episode we will go over: - Discuss how to match your needs with the best advisor for you - Provide insight on the unique questions Federal Employees should ask - Share questions that match the changing times to help you get better results Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. 0:47 Introduction 3:06 The Basics 8:01 Services 11:44 Qualifications 15:58 Fiduciary Status 17:09 Cost and Compensation 19:05 Investment Management 23:43 Technology 24:44 Why? 25:23 Research Them Thoroughly DOWNLOAD THE LIST OF QUESTIONS Valor Wealth Partners’ List of Questions to ask Financial Advisors: https://www.valorwealthpartners.com/our-services Resources: Check out Your Financial Professional at SEC: https://www.investor.gov/introduction-investing/getting-started/working-investment-professional/check-out-your-investment BrokerCheck on FINRA: https://brokercheck.finra.org/ Certified Financial Planner Website: https://www.cfp.net/ NAPFA – The National Association of Personal Financial Advisors Website: https://www.napfa.org/ CFP - 10 Questions to Ask Your Financial Advisor: https://www.letsmakeaplan.org/choosing-a-planner/10-questions-to-ask-your-financial-advisor NerdWallet - 10 Questions to Ask a Financial Advisor: https://www.nerdwallet.com/article/investing/10-questions-ask-financial-advisor Investopedia - 10 Key Questions to ask Your Financial Advisor: https://www.investopedia.com/articles/investing/050416/6-key-questions-ask-your-financial-advisor-2016.asp Federal employees and their spouses are invited to complimentary educational workshops covering their federal benefits. For details, visit: https://fedimpact.com/VWP Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ https://www.myfederalretirement.com/category/podcasts/ https://www.myfederalretirement.com/ https://www.fedsmith.com/ Would you like to know more? https://www.valorwealthpartners.com/ https://www.linkedin.com/in/smithec/ https://www.linkedin.com/company/valor-wealth-partners https://www.facebook.com/ValorWealthPartners
10 Biggest TSP Missteps
17:36

10 Biggest TSP Missteps

The Thrift Savings Plan is one of your best benefits as a federal employee. Unfortunately, not everyone is making the most of their TSP. In this episode we share 10 of the biggest TSP missteps we have seen over the years, so you can save money, time and feel more confident in how you are saving for retirement. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. 0:40 Intro 1:15 None or outdated beneficiaries 2:33 Missing the full match 4:05 Treating the TSP in retirement the same as when working 5:16 Allocation not meeting your comfort for volatility risk 6:42 Overreliance on Lifecycle Funds 7:45 Ignoring your TSP for years 8:40 Not considering a TSP Loan as a solution 9:44 Underutilizing tax strategies 11:38 Overfunding when younger or not financially secure 13:55 Believing cheaper is better 16:00 Bonus Tip Links mentioned in this video: TSP website: https://www.tsp.gov/ 3% Benefit of using a financial professional: https://www.morningstar.com/content/dam/marketing/shared/research/foundational/831611-GammaEfficientPortfolio.pdf Federal employees and their spouses are invited to complimentary educational workshops covering their federal benefits. For details, visit: https://fedimpact.com/VWP Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ https://www.myfederalretirement.com/category/podcasts/ https://www.myfederalretirement.com/ https://www.fedsmith.com/ Would you like to know more? https://www.valorwealthpartners.com/ https://www.linkedin.com/in/smithec/ https://www.linkedin.com/company/valor-wealth-partners https://www.facebook.com/ValorWealthPartners

Valor Wealth Partners is proud to be a member of the following organizations

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