To Top

Services for Working Professionals

services for


Your benefits don’t begin at retirement; they begin the moment you start working. We understand that focusing on your career may be one of your top priorities; that’s why we do everything we can to make sure you never have to worry about whether you are receiving the most from your benefits.

Whether you’re just starting your career or you’re only a few days from retirement, there is always room to improve your situation.

services for


Take a look below at the services we offer working individuals. We are available for one-on-one consultations in person, by phone, or through a video call to discuss any of these topics. No matter what your need is at any given point in time, we are no more than a single phone call away.

Pension Optimization
Federal Employees

As a federal employee, your pension will ensure a secure and comfortable retirement. Optimizing your pension benefits requires careful planning and consideration. At Dugan Brown, our team of federal retirement experts is dedicated to helping working federal employees with pension optimization. We understand the significance of your retirement income and are committed to maximizing your benefits so you get the retirement you deserve after your federal service.

Learn More »

Estate Planning

Estate planning ensures your assets are distributed according to your wishes after death. As a working federal employee, creating an estate plan now can help you make the most of your federal benefits and ensure you are prepared.

At Dugan Brown, our financial advisors have years of experience with federal employee estate planning. We walk you through the process of planning your estate to ensure your family is taken care of and you leave behind the legacy you want.

Learn More »


While some of your federal benefits are unique to you while you are working (e.g. annual leave and sick leave), some will carry over from work into retirement, such as your Federal Employees Health Benefits (FEHB) or Federal Employees’ Group Life Insurance (FEGLI).

Whether working or retired, we can help you examine your personal situation and provide you with the tools necessary to make the best elections possible.

Learn More »


Dugan Brown honors and thanks all of those who have protected America through their service in our armed forces.

If you have served in our military, but not long enough to have qualified for a military pension, it is nearly always worth it to buy back your time served in order to bolster your civilian pension, and must be done before retiring. Please allow us to help you through the necessary paperwork and procedures, so that you may credit this time toward your civilian retirement.

Learn More »


Your federal pension will be the keystone of your retirement, so making sure that you get the most from it is paramount. We can help you figure out the best day to retire, what your gross and net pension will look like factoring in all deductions, and work diligently with you so that you can receive every penny that you can from Uncle Sam in retirement.

If you’d like to have an idea of what your pension might look like before speaking with one of our retirement consultants, click here to use our free pension calculator!


A detailed financial plan is an important piece of any plan for retirement, no matter how simple your situation may be. Because our extensive knowledge of your retirement system is second to none, our advisors are equipped to make sure that you can take full advantage of each benefit available to you, and that no surprises are waiting for you when you clock out of work for the last time. Developing a financial plan with Dugan Brown is a great way to get all of your ducks in a row so that you can confidently enter a stress-free retirement.

Learn More »


For those who would like their assets managed by a fiduciary, our registered financial advisors are here to answer the call. With a deep library of robust portfolios at their disposal, an advisor will help you construct a strong financial strategy that is capable of meeting your personal goals, specific to your desires, capabilities, and tolerance for risk.

Our advisors are investment advisory representatives of and provide advisory services through Smith & Wyatt.


Sorting through the government’s application for retirement can feel overwhelming, and it’s something that everyone wants to make sure is done right. While some companies and individuals charge up to $500 per application, we believe that this is one of many services all federal employees should have access to on a complimentary basis. Allow one of our professional retirement consultants to walk you through the necessary paperwork and be sure that you make the best possible elections given your unique situation.

Learn More »

Take the first step in learning about your benefits today!