Federal Employees

What We Offer

Federal retirement benefits are often confusing and complex. We help show federal employees how proactive benefit decisions can positively affect their retirement and overall financial situation.

Federal employees are often underserved when it comes to financial planning. With complicated benefits and unique retirement plans, it’s easy to feel confused and frustrated. However, working with a professional can make a significant difference. A recent survey found that government employees who partner with financial advisors are about 1.6 times more likely to report increased confidence in reaching their retirement goals over the past two years, compared to those who go it alone.

Voya. June 26, 2026. "New research from Voya sheds light on the opportunities public sector employees have to improve their retirement confidence." https://www.voya.com/news/2026/06/new-research-voya-sheds-light-opportunities-public-sector-employees-have-to-improve. Accessed July 15, 2026.
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We understand your unique benefits.

Federal employees have unique planning needs—balancing their exceptional government benefits with the rest of their sometimes-complex financial picture.

Money Wise Retirement Planning has extensive knowledge of your federal benefits including:

  • CSRS & FERS Pensions
  • Survivor Benefit Plan
  • FERS Supplement
  • Social Security
  • Federal Employees' Group Life Insurance (FEGLI)
  • Federal Employees Health Benefits (FEHB)
  • Federal Long-Term Care Insurance Program (FLTCIP)
  • Thrift Savings Plan (TSP)

Through extensive training, our firm is well-versed in the particulars of these various federal benefit programs and helps federal families to make the most of these benefits—both while working and in retirement. Our goal is to always provide credible, top-notch financial planning services to our federal clients.

Our Federal Retirement Impact Workshop gives you candid, no-nonsense information.

Register for our upcoming Federal Retirement Impact Workshop today, so we can help you take the guesswork out of retiring from federal service.

Federal employees have unique planning needs—balancing their government benefits with the rest of their sometimes-complex financial picture.

Through extensive training, our firm is well-versed in the particulars of various federal benefit programs and helps federal families to make the most of these benefits—both while working and in retirement. Our goal is to always provide credible financial planning services to our federal clients.

Register for our upcoming Federal Retirement Impact Workshop today, so we can help you take the guesswork out of retiring from federal service.

All dates for 2026:

  • Tuesday, February 10th
  • Tuesday, May 5th
  • Tuesday, August 18th
  • Wednesday, October 28th
  • Friday, December 11th

Register for our most recent open class HERE.

Individuals MUST register to attend and only ONE class is open until it fills, then the next class opens. If you are interested in a class that is not currently open for registration, please email [email protected].

AE Wealth Management, LLC and Money Wise Retirement Planning are not affiliated with or endorsed by the U.S. government.

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CRISTINA ACOSTA

FOUNDER, INVESTMENT ADVISER REPRESENTATIVE

 

I have been helping clients navigate the financial planning world since 1994. As owner and financial advisor of Money Wise Retirement Planning, my goal is to assist clients with transitioning from work to retirement with confidence.

Born and raised in the Tempe area, I graduated from Arizona State University with a Bachelor of Science in business. My interest in finance has blossomed into a career of over 25 years. When I am away from the office, I spend time with my husband and two wonderful boys. We are outdoor enthusiasts and love exploring our beautiful state and volunteering in our community.

About Cristina
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ELIZABETH ZARATE

INVESTMENT ADVISER REPRESENTATIVE

 

I was born and raised in Phoenix, Arizona, and graduated from the University of Phoenix with a bachelor’s degree in business administration. I worked over 20 years in the credit union industry with most of my career being spent in finance. What I found most satisfying while working in consumer lending was the gratification of helping others achieve their financial goals. My many years of customer service experience led me to Money Wise Retirement Planning as the new account specialist which then allowed me to obtain my series 65 license as an investment adviser representative. I enjoy meeting and working with our clients to help them plan for their financial future.

In my time away from the office, I enjoy traveling, spending time with my family, reading, cooking, and watching my daughter play club volleyball.

About Elizabeth

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