CFP ChFEBC AIF
Background
David has spent more than 20 years in the financial services industry, and for the last several
of those he has focused exclusively on federal employee retirement planning. He is a Certified
Financial Planner, a Chartered Federal Employee Benefits Consultant, and an Accredited Investment
Fiduciary. Fewer than one percent of financial advisors in the United States hold all three
certifications.
Areas of Expertise
- FERS pension calculation, including sick leave credit and military service buyback
- TSP allocation and withdrawal strategy across C, S, I, F, G, and L funds
- FEHB and Medicare coordination at age 65
- Survivor benefit election analysis
- High-3 salary optimization and locality pay strategy
- Tax-efficient retirement income planning for federal retirees
Workshops and Education
David leads PlanWell's free three-hour FERS Retirement Workshop, held live on Zoom every three weeks.
More than 10,000 federal employees have attended. The session covers pension, TSP, FEHB, Medicare,
and survivor benefits, with a live Q and A where attendees can ask questions specific to their own
situation. There is no cost and no sales pitch during the session.
Outside the Office
David stays active with his daughters' activities, plays basketball on weekends, and rides mountain
bike trails whenever he can.
