Financial Planning Services For You

PDR Planners offers retirement, income, legacy, and risk planning services built around two distinct paths: federal employees and independent pre-retirees or retirees.

Our team holds the FRC (Federal Retirement Coach) designation along with additional financial planning credentials.


We explain how we're compensated directly with you, starting at your first conversation.



Every service is organized around your specific situation, not a generic menu.

Find the Plan Built for Your Situation, Not a Generic Menu

A list of services doesn't mean much until you know which one applies to you. That's why we organize our work around two starting points instead of a long menu of offerings. Below, find the path that matches your situation, then explore the specific services under it.

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Retirement Planning

If you're planning retirement on your own, including after a divorce or the loss of a spouse, we build a strategy around where you are now rather than assumptions built for someone else's situation.

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Federal Employees Retirement Planning

If you're a federal employee, your retirement is governed by rules that don't apply to the general public, including FERS, CSRS, TSP, FEHB, and FEGLI. Our FRC designation means this is core training for our team, not a side specialty.

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Income Planning

We coordinate your Social Security, pension, and savings withdrawals into one structured plan, sequenced to manage your tax exposure and built to hold up over a retirement that could last decades.

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Legacy & Estate Planning

We help you structure what you pass on and to whom, coordinating your accounts and beneficiary designations to reduce unnecessary tax exposure for you and your heirs, decided while you still have the say.

Specialized Training Behind Every Service

Generalist wealth management firms often offer retirement planning as one item on a long list of services. We built our practice differently. Our FRC designation and additional financial planning credentials mean retirement, federal benefits, income, legacy, and risk planning are areas of specific training for our team, not a checkbox on a broader menu.



  • Retirement Planning: a coordinated strategy built around your income, timeline, and goals
  • Federal Employee Retirement Planning: FERS, CSRS, TSP, and Social Security guidance built for federal benefit rules
  • Income Planning: a clear answer for where your retirement income comes from and how long it lasts
  • Legacy & Estate Planning: a plan for what you pass on, decided while you still have the say
  • Risk Planning: protection strategies that account for the unexpected
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Straightforward Answers on How We're Compensated

Before you commit to working with any advisor, you deserve to know how they're paid and whether their guidance is built around your interests. We walk through our compensation structure and fiduciary approach directly with you during your initial consultation, before any planning decisions are made. There's no cost or obligation attached to that first conversation.

Serving Richmond and the Surrounding Area

We work with clients throughout Richmond and the greater metro area, including Henrico, Glen Allen, Hanover, Chesterfield, and Mechanicsville. Federal benefit rules apply the same way nationwide, so we also work with federal employees regardless of location.

Frequently Asked Questions

  • What financial planning services are available in Richmond, VA?

    PDR Planners offers retirement planning, federal employee retirement planning, income planning, legacy and estate planning, and risk planning. Services are organized around whether you're a federal employee or planning independently, so you can start with the path that fits your situation.

  • Is my financial advisor a fiduciary?

    Fiduciary status and compensation structure vary by advisor, and it's a question worth asking directly. We walk through our specific approach to compensation and how we act on your behalf during your initial consultation.

  • What does a comprehensive financial plan include?

    A comprehensive plan typically covers retirement income, tax and legacy considerations, and risk management, coordinated as one strategy rather than addressed separately. At PDR Planners, that also includes federal benefit planning for clients who need it.

  • How do I know which service applies to my situation?

    Start with whichever path matches you, federal employee or independent retiree, and explore the specific services listed under it. If you're still unsure, a no-cost consultation is the fastest way to get a direct answer.

  • Do you specialize in federal employee benefits, or just general financial planning?

    Both. Our FRC designation means federal retirement benefits like FERS, CSRS, TSP, and FEHB are an area of specific training for our team, in addition to broader retirement, income, legacy, and risk planning.