Frequently Asked Questions

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.

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.

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.

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.

Yes. We regularly host virtual and in-person workshops, seminars, and webinars to help individuals, families, and small businesses understand money management.

No. The review can be valuable whether retirement is months away or several years out. Earlier planning often gives you more flexibility.

Yes. The review explains how contributions, Traditional vs. Roth TSP, and withdrawal options work, and how each affects your taxes. Personalized TSP investment and rollover recommendations are provided separately by Darryl through Wealth Watch Advisors, Inc.

Yes. Before accepting a buyout or early retirement offer, you should understand how the decision may affect income, insurance, taxes, and long-term security.

No. Your HR office and OPM provide official benefits information. Our role is to help you understand how those benefits may fit into your larger financial plan.

Absolutely! You can upgrade at any time. Just reach out to our team, and we'll make the transition quick, seamless, and effective — so you can start enjoying Thrive-level support right away.

Yes. Your plan is built around your goals, income, spending habits, and life circumstances, and Thrive clients get more frequent plan updates and deeper coaching sessions. The plans cover organization, budgeting, cash flow, education, coaching, and accountability. Investment recommendations and portfolio management are not part of any plan.

Yes, our plans require a 12-month commitment due to the significant time we invest upfront in assessing your financial health and creating a tailored strategy. You can pay monthly for flexibility or save more by choosing our annual plan.

Yes, there is a one-time $125 setup fee, which covers the preparation of your tax report, initial profile setup, and training on how to use our financial management platform.