Your financial journey is as unique as your DNA. Your Plan Should Be Too.
At DNA Financial & Associates, you get Strategic Tax Planning and Advisory Services, accounting and bookkeeping, insurance, and financial coaching, with clear answers and someone to keep you on track.
Retired U.S. Air Force veterans with 60 combined years of military and federal government service.
Darryl & Alicia Pryor
- Certified Financial Fiduciary®
- Financial Planning Strategists
- Educators & Coaches
Darryl and Alicia Pryor are retired U.S. Air Force veterans with 60 combined years of military and federal government service. At DNA Financial, they apply that same dedication to "leveling the playing field" for individuals, families, and business owners. They believe every plan should be as unique as an individual's DNA, with a humanized approach whether you are just starting out or preparing for retirement.
Jeremiah 29:11 – For I know the plans I have for you… Plans to prosper you and not to harm you, plans to give you hope and a future.
Certified Financial Fiduciary
Our Commitment to You
- Education First: We help you understand your options and the questions to ask.
- Your Goals Matter: We listen, explain the scope of our work, and help you identify practical next steps.
- Transparent Compensation: We explain our fees, insurance compensation, and material conflicts before you engage us.
- Separate Advisory Capacity: When Darryl provides investment advisory services through Wealth Watch Advisors, Inc., he is subject to the fiduciary duties applicable to that advisory relationship.
Member of the Foundation for Fiduciary Education
- A Nonprofit Mission: A 501(c)(3) nonprofit bringing financial education to communities nationwide.
- Classes Your Way: Live events, webinars, and self-paced online courses.
- Volunteer Instructors: Financial professionals holding the Certified Financial Fiduciary® or a related private designation.
- Darryl's Role: President of the National Harbor chapter, teaching financial literacy.
Featured in
What's your situation?
Pick the one that sounds most like you.
- I'm a federal employeePlanning to retire, weighing a buyout, or unsure how FERS, TSP, FEHB and FEGLI fit together?
- I'm just getting startedFeel priced out of professional help, but want a real plan and someone to talk it through with?
- I'm near or in retirementWant to understand how your pension, Social Security, and withdrawals will be taxed each year?
- I have a 401(k) or TSPChanging jobs or retiring, and want to understand your options before you move anything?
- I own a businessWant help with bookkeeping, tax, cash flow and the milestones ahead?
- I want to understand money betterLooking for a workshop, seminar or webinar that makes money management make sense?
Three Problems We See Across Our Clients
We work with a wide spectrum of individuals—from those just starting their careers to those entering retirement—and we consistently see these three critical barriers preventing them from achieving true financial peace.
The Accumulation Barrier
Many younger individuals feel "priced out" of professional financial help, assuming they haven't reached the wealth threshold required for high-level guidance. This often leads them to rely on generic, AI-generated information that lacks the humanized, strategic discussion necessary to actually "level the playing field" and build a solid foundation.
Find the solution: The Accumulation Barrier
The Fear of "Running Out"
For those entering or already in retirement, the psychological shift from saving to spending is often filled with anxiety. Without a clear picture of where retirement income will come from and how it will be taxed, many retirees live with the very real fear of outliving their savings.
Find the solution: The Fear of "Running Out"
Fragmented Tax Inefficiency
A major pitfall we see is the disconnect between financial planning and actual tax reality. When retirement strategies, bookkeeping, and tax planning are treated as separate islands, clients often end up overpaying on taxes and utilizing inefficient distribution methods that eat away at their hard-earned legacy.
Find the solution: Fragmented Tax InefficiencyHow We Help You
We understand each person's story and situation is unique, so we carefully craft a strategy specifically for you. We are equipped to build your unique plan regardless of where you are in your journey—from those just starting to those protecting a lifetime of savings.
A Solid Foundation
Budgeting, saving, and goal-setting support for younger professionals building their financial foundation.
Humanized Financial Coaching
Moving beyond generic data to provide the discussion and personal connection needed to navigate complex choices.
Affordable Engagement
Money management plans that offer regular coaching and accountability to people the industry often overlooks.
Your Income Sources
Understanding how a pension, Social Security, retirement accounts, and other income fit together once you stop working.
The Tax Side of Withdrawals
How the timing and source of retirement withdrawals can change what you owe in taxes.
Roth Conversions
Analyzing whether, when, and how much to convert to Roth, and what it means for your taxes now and in retirement.
Strategic Tax Planning and Advisory Services
Strategic tax planning is a disciplined, year-round process for understanding and managing your tax exposure under current law. We look at tax alongside your retirement income, your business, and your estate questions, so each decision is made with the others in view. Estate and business-structure legal work goes to qualified legal counsel.
Federal Benefits Review
Federal employees have valuable benefits, but understanding how FERS, TSP, Social Security, FEHB, FEGLI, survivor benefits, and taxes work together can be complex. We help federal employees review their benefits, identify potential gaps, and make informed retirement decisions before retiring, accepting a buyout, or making major benefit elections.
FERS & Retirement Income Planning
Helping you understand your pension estimate, retirement eligibility, survivor benefit options, and income sources.
TSP & Tax Education
Explaining Traditional vs. Roth TSP, contribution timing, withdrawal rules, and rollover options, and their tax effects. Investment and rollover recommendations are made separately through Wealth Watch Advisors, Inc.
Health, Life Insurance & Survivor Protection
Evaluating FEHB, FEGLI, Medicare coordination, and survivor benefit choices in the context of your family’s long-term financial security.
Your Goals. Our Strategies. Your Success is in Our DNA!
The Three-Step Path to Clarity
The Initial Discovery
Book a 45-minute call with us, via our Calendly link, by clicking the link below.
DNA Analysis
We analyze your unique situation to understand your specific financial goals.
Implementation
We implement a strategy that is as unique as you are.
Money Management Plans
Our Money Management Solutions plans provide financial organization, budgeting and cash-flow support, goal tracking, education, coaching, and accountability. Included services and meeting frequency depend on the plan selected. Personalized securities recommendations, portfolio management, and investment advisory services are not included in DNA’s coaching subscription. Clients interested in those services may engage Darryl separately through Wealth Watch Advisors, Inc., subject to that firm’s agreements and applicable fees.
Launch Plan
- Initial financial snapshot & budget setup
- DIY tracking templates
- One goal-setting session
- Quarterly email support check-in
- 10% tax preplanning services
Growth Plan
- Comprehensive financial review
- Tailored strategies for finances
- Quarterly virtual consultations
- 24/7 dashboard access
- 20% off tax planning services
THRIVE PLAN
- Monthly 1-on-1 coaching calls
- Unlimited email Q&A
- Annual financial organization and goal-progress review
- 30% off tax planning services
- Priority scheduling
- Exclusive financial planning tools and workshops
Common Questions
A few of the questions we hear most, see the full FAQ for everything else.
Who do you work with?
A wide spectrum of people: families, young professionals, business owners, seasoned professionals, federal employees, and people preparing for or already in retirement. Wherever you are in your journey, from just starting out to protecting a lifetime of savings, we build a plan around your own goals.
See our services →What happens on the first call?
It's a 45-minute discovery call that you book through our calendar. We get to know your situation and what you want to achieve. From there, we analyze your unique situation to understand your specific financial goals, and then implement a strategy that is as unique as you are.
Schedule a call →Do I need to live near your offices?
No. We work with clients virtually, though availability varies by service and by applicable licensing and registration requirements. If you would rather meet in person, our offices are in Bowie, Maryland and Reston, Virginia.
Contact us →Do you help with taxes?
Yes. Strategic tax planning and advisory services are part of how we build every plan, drawing on Darryl's experience in income tax planning. Each of our Money Management Plans also includes a discount on tax planning services.
Strategic Tax Planning and Advisory Services →Our Team
Darryl and Alicia work alongside specialists in life insurance, long term care and case design, so each part of your plan is handled by someone who knows it well.
Proud Supporter
Youth EmpowerME Foundation
www.youthempowerme.orgYouth EmpowerMe Foundation, Inc. is a 501c3 committed to empowering youth and families by providing mentorship, conferences, seminars, resources, and events focusing on social and life skills.
Open My Heart Foundation
www.openmyheartfoundation.orgThe Open My Heart Foundation (OMHF) is a 501c3 charitable organization. Their mission is to help eliminate heart health disparities among African American Women and Women of Color through education, support and advocacy.