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Financial Planning Services

A custom, comprehensive plan implemented
by a team who actually knows and
understands you.

Comprehensive, Ongoing Financial Planning for Federal Employees

You only live, retire, and die once. Since 2003, Mason & Associates has successfully guided clients into retirement and supported countless families through life’s best and toughest moments.

Successful financial planning requires a comprehensive approach that covers tax planning, retirement, estate planning, investment management, and more.

We will analyze your finances and deliver a plan that clearly shows you “The Score,” helping you make informed decisions and reach your retirement goals.

Since we specialize in federal employees, we don’t need to spend countless hours learning about your benefits—we can focus on learning about you. We aim to give you the confidence to enjoy your savings while ensuring your money lasts throughout retirement, giving you the freedom to do the things you’ve always wanted.

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A Look at Your Comprehensive Financial Plan

You can’t make confident financial decisions without understanding the big picture.
Our approach is based on your career and your goals to ensure everything is taken care of.

  • Retirement Planning

  • Tax Planning

  • Estate Planning

  • Investment Management

Retirement Planning

Retirement is a journey filled with new opportunities, decisions, and complexities. We are here to guide you through the process using a highly personalized approach, so you can make decisions with confidence.

We’ll help you build a strategic retirement plan that ensures peace of mind and financial security for your future.

What we provide for you
  • Investment strategies coordinated with your financial plan and pensions
  • Cash flow planning to provide clarity about the possibilities in your retirement
  • Social Security optimization and tax strategies to maximize your income

Tax Planning

You can’t have a financial plan without a tax plan, but many advisors won’t offer this service. This is where we’re different.

Every year, we create tactical plan that aligns with the long-term strategic plan to help you achieve your financial goals throughout your life. We advise you on your taxes and stay up-to-date with tax laws, continuously seeking opportunities to minimize your lifetime tax bill.

What we provide for you
  • A strategic vision to help reduce taxes over your lifetime
  • Annual tactical adjustments to keep you on track with the long-term plan
  • Tax return reviews to ensure they’re filed correctly and remain aligned with your plan

Estate Planning

Estate planning goes beyond just executing a will. Our team walks you through the process of creating and implementing your estate plan. We coordinate with estate planning attorneys, assist with implementation, and ensure your family is kept informed about key details.

We want you to be educated and informed, so that when the time comes, your estate is easily settled, and you can rest assured knowing you left everything in good order.

What we provide for you
  • Help re-title assets and update beneficiary designations to align with your estate planning objectives
  • A plan to provide your loved ones with access to important information, such as your power of attorney
  • Support to ensure your assets are managed and distributed according to your wishes

Investment Management

Federal retirees often have this advantage over private sector retirees or those without pensions: the ability to choose their preferred investment experience, including their desired level of risk. It’s a luxury you have that sets you apart from other retirees.



Our goal is to grow your money so it lasts throughout your retirement, allowing you to focus on the things that matter most.

What we provide for you
  • Administer a portfolio that aligns with your financial plan
  • Efficiently manage your assets by ensuring cash is invested or available when needed, rebalances are executed, and holdings are regularly reviewed.
  • We’re your customer service team. We generate forms, communicate with custodians, and minimize the administrative burden of implementing your plan.

Not a Federal Employee? No Problem!
We Also Serve:

Private Sector Employees

  • Huntington Ingalls Industries
  • Sentara Health
  • Riverside Medical
  • Dominion Energy
  • Lockheed Martin
  • Northrop Grumman
  • And many more!

Other Professionals With Guaranteed Pensions

  • Virginia Retirement System (VRS)
  • Military veterans
  • State and municipal employees

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