Federal Civilian Employees
NSA, Fort Meade, and dozens of agencies within commuting distance. You're covered by FERS, contributing to the TSP, and eventually coordinating three income sources that were designed to work together but rarely get planned that way. We help you understand what your high-3 actually is, how sick leave converts to service credit, what the survivor annuity election costs and what it buys, and when the FERS Supplement starts and stops.
Federal Contractors
Booz Allen, Leidos, Northrop, CACI, and the smaller shops around the BWI corridor. You have a 401(k) rather than a TSP, and you may have changed employers three or four times chasing the contract, which means orphaned accounts, mismatched vesting schedules, and no single view of what you've actually accumulated. We help you consolidate the picture and build a plan that doesn't reset every time a contract does.
Johns Hopkins APL & University-Affiliated Staff
APL is a University Affiliated Research Center, which means you're a Johns Hopkins employee, not a federal one, with a university retirement plan rather than FERS or the TSP. Different plan, different rules, different decisions at retirement. We work with APL households in Howard County and know the distinction matters.
Meet Hunter Adair, CFP® - Your Ellicott City Financial Advisor
Hunter Adair is a CERTIFIED FINANCIAL PLANNER® professional who has worked in financial planning since 2002. He and his team, including a former CPA firm partner with over thirty years in financial services, work with federal employees, contractors, and business owners across Howard County on the decisions that don't have obvious answers: when you can actually afford to retire, what to do with a TSP after federal service, and how to turn a pension, a savings plan, and Social Security into income you can count on. Our office is a short drive from Ellicott City, and we're here for the long haul.