A Financial Planner to Help You Plan Your Federal Retirement
Is Micah Shilanski, CFP®, the Financial Planner for You?
Are you looking for a financial planner to help you plan your federal retirement? Someone who knows your federal retirement benefits – and can help you with all aspects of your financial picture?
Micah Shilanski, CFP®, is a financial planner for federal employees. Micah helps federal employees understand their benefits from a financial planning perspective and helps them make the best choices for their personal situation.
But Micah is not right for everyone. Let’s take a closer look at what Micah does and how he helps his clients to see if Micah is the right financial planner for you.
Federal Employees Have Unique Financial Planning Needs
As a federal employee – you know your benefits are complex.
You can find lots of information about financial planning. But federal employees really do have unique financial planning considerations that generic financial planning doesn’t address.
And you can find lots of information online about your federal retirement benefits. But it usually is geared towards educating a group – which makes it difficult to sort out how to make the best choices for your situation.
It is rare to find a financial professional who really knows the ins and outs of federal retirement. Rarer still to find one who actually does full financial planning.
Micah is Different
But Micah is unique. Not only does Micah know CSRS and FERS retirement benefits – more importantly, he has had the privilege to help his clients through the entire retirement process.
That combination of teaching pre-retirement classes *and* having real life experience helping federal employee clients is a rare combination which makes Micah one of the top financial planners for federal employees.
What Does Micah Do?
Micah looks at all the pieces of your financial puzzle and helps you put them together in a way that achieves your goals.
Micah is different because he looks at your entire financial picture, not just one piece of the pie.
Micah can help you with…
- How will taxes affect your retirement spending?
- Can you lower your tax bill and keep more of your money, now and in the future?
- How much money do you need to retire?
- Where will your retirement income come from?
- Do you have enough to retire comfortably… and stay retired?
Federal Retirement Planning:
- Are you getting the most out of your Federal Retirement benefits?
- Which benefit choices are best for your personal situation?
- When is the best time for you to retire from Federal service?
- Will your assets go to the people you want?
- How can you make sure your heirs get more of your estate than Uncle Sam?
- How should your money be invested to achieve your goals?
- How should you allocate your TSP?
- How much risk do you need to be taking?
- Which TSP funds and other investments are well suited for your personal situation?
Micah Looks at Your Entire Financial Picture
Some financial professionals will only look at your stock portfolio. Or perhaps an insurance agent only looks at how much insurance you might need.
But in reality – these things are not separate. One area of your life can have significant impact on other areas.
You wouldn’t go to 4 different doctors and get different prescriptions from each one without telling every doctor what other medications you were taking, would you?
But even if you did tell the other doctors what medications you were taking… what if the doctors didn’t really understand the side effects of those medications? Or how each medication interacts with the others?
Yet many people see several different financial professionals who have no idea what the other professionals are doing.
Each professional seems to operate as if their ‘piece of the pie’ didn’t affect the other pieces – but they do.
That’s why it’s important to have a financial professional who understands all the different pieces of the pie, and how they interact with each other.
Micah is different because he understands ALL the pieces of your financial pie, including your Federal Retirement benefits.
Not Everyone Is Right for Our Firm
Not everyone is right for our firm. We are very selective of the people we choose to bring on as clients, because we have a long-term planning relationship with them. And we only work with people we like and care about.
If you just want to open an IRA and manage it yourself, Micah’s not for you. There are plenty of bank representatives who can help open an account.
If you only want to buy an insurance policy, Micah’s not for you. There are plenty of insurance salesmen who would be happy to sell you a policy.
But if you’re looking for a trusted advisor who understands both your Federal Retirement benefits, and the finer points of advanced financial planning, then you should talk with Micah.
The First Step…
If you’re thinking about hiring Micah, the first step is to schedule a personal consultation.
Call our office, Shilanski & Associates, Inc., at (907) 278-1351 to schedule your personal consultation with Micah Shilanski, CFP®.
During your consultation, you can ask Micah any federal retirement questions you have – and talk more about how he might be able to help you.
Initial consultations generally last 30 minutes; but many people are amazed at how much helpful information they learned from Micah in that time.
There is a fee for a personal consultation, but aside from that, there is no further obligation.
What Does Micah Charge?
Micah is an independent, fee-based financial planner.
Micah’s clients pay a flat fee – based on their situation – for his financial planning services.
The fee for a personal consultation with Micah is $400. During your consultation, if you’re interested in moving forward, Micah will be able to quote you a flat-fee based on the level of help you’d like and discuss the next steps.
Micah’s fees are not cheap, because he provides great value to his clients.
Haven’t you found that in life, you get what you pay for? Do you really want the ‘cheapest’ financial planner charting your course?
We want our clients to happily pay Micah’s fees, because they are delighted with the Micah’s help and services.
Micah’s Promise to You
We want you to be happy – period.
During your personal consultation with Micah, if you feel that you have not gotten any value – you won’t have to pay.
During your consultation, Micah will ask if you felt the time has been valuable. And if you felt like you didn’t get your questions answered or didn’t learn anything new – you won’t owe us a thing for the time. We just think that’s fair.
We want you to be happy. Most people come away from the consultation feeling that $400 was a bargain for the information and insight Micah gave them even in that one consultation.
And that’s how we want it to be – we want you to be happy about paying Micah’s fees because you are delighted and impressed with the value you received.
Looking for the Right Financial Planner?
If you’re looking for a financial planner who…
✔ Understands your unique benefits as a Federal Employee
✔ Can help you with all the pieces of your financial puzzle
✔ Wants to have a long term planning relationship to help you achieve your goals and dreams
Then call our office, Shilanski & Associates, Inc. to schedule your personal consultation with with Micah Shilanski, CFP®.
Call to Schedule Your Personal Consultation
To schedule your personal consultation with Micah, call our office in Anchorage, Alaska, at:
Shilanski & Associates, Inc.
(907) 278 – 1351
Please note that Alaska time is 4 hours behind Eastern time – so 12 noon on the East Coast is 8 am Alaska time.
When you call to schedule your appointment, please note that Micah’s calendar is typically booked 2 – 6 weeks in advance.
For in-person consultations, you’ll meet with Micah at our office in Downtown Anchorage:
Shilanski & Associates, Inc.
431 W. 7th Avenue, Suite 100
Anchorage, Alaska 99501
Telephone consultations can be arranged if you’re not able to meet in person. In this case, please be sure to let our office know your time zone when scheduling your appointment.
If you have additional questions about Micah, or about scheduling a personal consultation – please feel free to call our office and ask (907) 278-1351.