Transparency matters

Clear about how we’re paid.

You’ll know when compensation or a separate fee may apply before you decide what to do.

A clock and three clear pathways ending in symbols for compensation, a conversation, and a checked disclosure document.

No surprises. No pressure.

Start with education. Decide at your pace.

Our first conversation is a chance to understand your questions, review your goals, and explore what may be helpful. It does not obligate you to purchase a product or use a paid service.

Carrier-paid compensation

If you choose an eligible insurance or annuity product, the carrier may pay us a commission. We explain when this applies. You will not receive a separate bill from us for that commission.

Education-first conversation

We start by listening and helping you understand your questions. We may use our Federal Retirement Resource Guide to organize topics and next steps. There is no obligation to move money, enroll, or buy anything.

Any separate fee disclosed first

Some services or third-party resources may carry a separate charge. Before you agree, we will explain who charges it, what it covers, and the amount.

What to expect

We’ll explain the details before you choose.

Compensation can differ by service, product, and carrier. We want you to understand the arrangement and the costs that may come with a product or service.

01 — WE LISTEN

Understand what you need

We learn what you want help with and discuss educational information and possible next steps. You can take the guide and continue considering your options without making a purchase.

02 — WE EXPLAIN

Review compensation and costs

If an insurance or annuity product is being considered, we explain that the carrier may compensate us and review relevant premiums, fees, charges, limits, and restrictions before you decide.

03 — YOU DECIDE

Move forward only if it fits

If a separate service fee applies, we disclose it before work begins. You may ask questions, take time to review, or decide not to proceed.

A note about commissions: A commission may give us a financial incentive when we discuss a product. Product costs still apply and vary by contract. We will explain the compensation arrangement and relevant product costs so you can consider them as part of your decision.

Questions about a service or its cost?

Ask us before you move forward. We’ll explain how we’re compensated, whether any separate fee applies, and what costs or limitations are associated with a product you’re considering.