Our Financial Planning Services

 

You only live, retire, and die one time.

At Mason & Associates, we have done it hundreds of times through our clients.

 

Industry Specializations

We help through an unequalled knowledge of Federal, state, and military benefits and a commitment to comprehensive financial planning advice. We are exceptionally familiar with the following government benefits and private sector companies: 

  • Federal Employee Retirement System (FERS)
  • Civil Service Retirement System (CSRS)
  • Virginia Retirement System (VRS)
  • Huntington Ingalls Industries
  • Military
  • Sentara
  • Riverside

Financial Planning

Financial planning is not a product; it is a process. Our comprehensive financial planning process includes the development, implementation, and continuous management of your financial plan. We understand that every client is unique, and as such, we work closely with you to ensure your financial plan is carefully aligned with your individual goals, circumstances, and priorities.  

Retirement Planning

Retirement is a journey. We help guide you through it using a highly personalized approach. 

  • Coordinate investment strategy with financial plan & pensions
  • Monthly cash flow planning
  • Social Security optimization & tax strategies

Estate Planning

We assist in the creation, implementation, and continuous management of your estate plan, with the help of an Estate Planning Attorney.

A properly planned estate can:

  • Protect the assets you’ve accumulated over the years
  • Ensure your assets pass on to your beneficiaries as intended
  • Enable quicker transfer of assets by avoiding or at least accelerating probate
  • Help minimize estate taxes and unnecessary expenses

Additional wealth protection strategies:

  • Private Life Insurance & Long Term Care
  • Federal Employees’ Group Life Insurance (FEGLI)
  • Federal Long Term Care Insurance Program (FLTCIP)

Survivor Benefits

This is one of the biggest and irrevocable financial decisions Federal, State, and Military retirees face. We believe in electing full survivor benefits at retirement.

Portfolio Management

We recommend a portfolio structure designed to reflect your risk tolerance and the goals as outlined in your financial plan. We help analyze and asses risk to create a unique investment strategy.

Additional Services & Areas of Expertise

  • Thrift Savings Plan (TSP)
  • Voluntary Contribution Plan (VCP) for CSRS & CSRS Offset
  • Tax Planning & Projections
  • Roth Conversions
  • Charitable Giving Strategies
  • Executive Compensation Plans: Employee Stock Ownership Plan (ESOP); Employee Stock Purchase Plan (ESPP); Restricted Stock Units (RSUs); Incentive Stock Options (ISO); Non-qualified Stock Options (NSO)

Effectively guiding you on your path to financial well-being requires comprehensive, year-round planning. Read on to find out how we manage your financial plan throughout the year: