As a fiduciary financial advisor in Hampton, Holland Capital helps NASA Langley scientists and engineers compare retiring at their first eligible date with staying on longer, and see what the added years would add to their retirement. Hampton clients can meet us by appointment at the Regus center at Peninsula Town Center, and otherwise work with us by video and phone.
Eligible to retire soon. Work you still find interesting. A question about what more years would really add.
Hampton has about 137,000 residents, and about 17% of them are 65 or older. NASA Langley Research Center employs about 3,400 people, and Langley Air Force Base is also here.
Leaving a specialized research career can be a different decision from leaving other jobs. A project may be unfinished. Staying longer can change the pension and add to savings, but whether the difference matters depends on your own numbers. A fixed-fee written plan puts figures on each choice, and acting on it is up to you. Put two questions to any advisor you consider: are you a fiduciary, and how are you paid?
What Each Extra Year Adds
We compare your first eligible retirement date with one, two and three years later. For each date, we show the estimated pension, the TSP balance, when Social Security could start and how many years your savings would need to last.
Our FERS retirement planning guide explains the federal pension in more detail.
The Parts That Are Not About Money
You may want to see a mission through or train the next group of engineers. You may also be ready for something else. We note what matters to you, so the plan weighs time and money together.
RETIREMENT ENGINEERING™
The Order Matters
Five retirement decisions and why timing matters.
Comparing Dates After Tax
Each date in the comparison is shown after estimated federal and Virginia income tax. Our retirement planning page outlines the full process.
Investments After the Decision
Once you choose a date, investment management is available as a separate, optional step, set to a written investment policy statement.
How We Work with Clients in Hampton
Holland Capital Management is an independent registered investment adviser and a fiduciary. M. Chad Holland, CFA, CFP® works directly with clients and is responsible for the planning and advice.
Bring your latest federal retirement estimate, recent pay stubs, TSP statements and notes on how you would like to spend your time.
You get a written comparison of retirement dates for a fixed fee agreed before we start. It is yours to use alone, with an advisor you already work with, or with us.
The first conversation is free. If there is work worth doing after that, we will define the scope and cost before you decide whether to move forward.
Our offices are in Charlotte, North Carolina and Winter Park, Florida. We work with clients in Hampton primarily by video or phone. When an in-person meeting makes sense, we meet by appointment at the Regus center at Peninsula Town Center, 4410 East Claiborne Square, Suite 334.
We work with clients throughout Virginia. You can see the other Virginia communities we serve here.
Our what we do page explains how a planning engagement works.
RETIREMENT ENGINEERING™
The Order Matters
Five retirement decisions and why timing matters.
Frequently Asked Questions
Is It Worth Working a Few More Years at NASA Langley?
It depends on your pension estimates, your savings, your spending and what you want from those years. In some cases the difference is clear. In others it is small.
Why Ask a Fiduciary Financial Advisor About Retirement Timing?
Holland Capital acts as a fiduciary when providing financial planning and investment advice. For a timing decision, that means we give the answer the numbers support, whether that is leaving soon or staying several more years.
The plan is priced as a fixed fee we both accept before work starts; investment management later would be a separate fee, explained to you ahead of any decision.
Can Hampton Clients Meet with Us Face to Face?
Yes, by appointment at Peninsula Town Center, 4410 East Claiborne Square, Suite 334, Hampton. Most of our planning conversations happen by video or phone instead.
Photo: Acroterion / Wikimedia Commons / CC BY-SA 4.0, cropped.
