Retirement Planning For Federal Employees
Protect Save and Grow Financial Group
Retirement is personal. You’ve worked hard to save and invest your money, and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
Protect Save and Grow Financial Group is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Click on any of the six key financial planning considerations to learn more.
Longevity
Outliving financial assets as the result of a longer life.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
Our Services, Your Future
We take the time to thoroughly explore your needs, no matter the stage of life you are in, to help provide a custom-tailored solution that we continue to monitor and adjust until the end of time.
Income Planning
Many retirees run into trouble not because they lack money, but because they lack a retirement doctrine—a clear, repeatable framework for protecting income against common risks: longevity, market volatility, sequence of returns, inflation, and the gap between spending and withdrawals. Without this disciplined approach, even solid portfolios can falter and exhaust savings too soon. A proven antidote rests in a defined plan that prioritizes guaranteed income, prudent growth, and adaptable risk management, applied consistently through stress-tested scenarios and disciplined withdrawal strategies. Our proven process will uncover potential problems and help create strategies to address the consequences of identified challenges and solve current or potential problems.
Long-Term Care Planning
Take Control of Your Long-Term Care Future—For Yourself and Those You Love
Caring for someone with long-term or chronic illness can place an enormous emotional and financial burden on families. As America’s aging population grows—projected to reach nearly 20% of adults over age 65 by 2030—and diagnoses like Alzheimer’s continue to rise, these challenges are becoming more common and more complex.
You don’t have to navigate them alone.
Whether you’re planning ahead for your own future needs or facing immediate concerns for a parent, spouse, or loved one, the earlier you understand your options, the more empowered and prepared you’ll be.
Let’s have an honest, pressure-free conversation about how long-term care could impact your life and finances—and how the right planning can protect both.
Together, we’ll create a plan that brings clarity, confidence, and peace of mind for the years ahead.
Legacy & Estate Planning
Estate planning isn’t just for the wealthy; it’s an essential safeguard for every American and every stage of life. Even with modest assets, a personal estate plan ensures your wishes are known and legally documented, so your family isn’t left guessing during times of stress or incapacity. At minimum, an up-to-date will, durable powers of attorney for finances and health care decisions, and an advanced medical directive help protect your loved ones, reduce court involvement, and speed access to care and resources when they’re most needed. Don’t forget to review and update beneficiary designations on all accounts and policies to reflect your current wishes and family circumstances.
Having these documents in place provides clarity, preserves dignity, and minimizes conflict among family members. It also helps ensure your assets are distributed according to your values, not determined by default state laws. Additionally, aligning your beneficiary designations and estate plan with a tax-efficient wealth transfer strategy can help minimize taxes and preserve more of your hard‑earned assets for loved ones and causes you care about. Investing a little time now into a simple, coordinated plan can save your family emotional strain and substantial costs later, while giving you confidence that your wishes will be honored no matter what the future holds.
Retirement Savings Optimization
One of the most-asked questions from new clients is, “Do we have enough money saved to retire?” Our proven process—Protect, Save, and Grow—enables a thoughtful examination of asset location, tax impact during contributions, growth, and distributions, and the creation of the right strategy to select the appropriate vehicles to accomplish your clear purpose.
When you are clear on the purpose of each asset, the strategy, products, and time horizons become crystal clear. Careful pre-planning helps maximize retirement income for you or your loved ones through tax-efficient, capital-leveraging strategies that align with your goals and risk tolerance.
Social Security Optimization
You’re Entitled to Your Maximum Benefit
Throughout your working life, from minimum-wage jobs to higher-earning careers, a portion of your income has been allocated to Social Security. As you approach and enter retirement, it is finally time for you to rightfully benefit from the same system you diligently paid into for years. More importantly, being properly educated and determining how to maximize the Social Security benefits you deserve and are entitled to by law for your years of effort.
The proven planning process can help you overcome and understand the following challenges and complexities of the system:
- The potential cost of planning mistakes
- Key changes that could affect your benefit decisions
- The importance of benefit maximization
- When to consider claiming benefits
- Important spousal considerations
- How inflation and taxes could impact your benefit
- Strategies to help maximize your benefit
Wealth Management/Investment Planning
Maximize the growth potential of your investable assets in accordance with your risk tolerance and financial goals.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.
Request Your
Receive Our
Have a Question?
Here For You
Meet The Advisor
LaMont Baxter
Founder
LaMont’s passion for financial education led him to teach financial literacy classes, where he helps individuals and families better understand their finances. As a member and educator within the Society of Financial Awareness (SOFA), he furthers his commitment to spreading financial knowledge in his community. Through these efforts, he strives to break down complex financial concepts into actionable steps that people can use to improve their lives.
Drawing on his investigative skills, empathy, and lifelong commitment to helping others, LaMont now guides his clients through the complexities of financial planning. His ability to listen, communicate, and uncover solutions tailored to each client’s unique situation sets him apart in the industry.
Today, LaMont Baxter is passionate about providing clarity and confidence to those he serves, ensuring they are equipped to face life’s uncertainties with financial resilience. His goal remains simple: to make financial security accessible and achievable for all.
Kelli Baxter
Director of Operations
Shannon Melvin
Paraplanner
Chantel Williams
Client Relations Coordinator
Our Downloads
Federal Employee’s Guide to Retirement
Your financial strategy is the foundation of your retirement life. However, it can be difficult and complex to keep up with the changing financial landscapes, laws, and regulations, especially if you’ve been a federal employee and have worked for the government throughout your career.
