Federal employee, government contractor, or approaching retirement — RPM Financial Group is the service-driven partner who knows the problem each of these clients faces, and the plan that solves it. We serve clients across Northern Virginia, Washington, DC, and Maryland.
Budget cuts and reductions in force have made federal careers less certain than they once felt. Our work is protecting your income, your benefits and your footing before anything changes.
Contractors, cybersecurity pros & business owners alike
The jump to Gov-Con brings higher income — and new volatility, equity compensation and tax complexity. Cybersecurity professionals sit at the sharpest end of it: cleared roles, competing offers and comp packages that change faster than any plan built to hold them. Whether you're a W-2 contractor, a security leader or running your own consultancy, our work is turning a bigger, less predictable paycheck into durable stability.
A federal pension, Social Security, contractor equity and decades of savings all have to become one dependable income. Our work is coordinating those pieces tax-efficiently, so you can enjoy the life you've earned. For federal employees and retirees across Maryland, Virginia, and Washington, DC: FERS pension election, TSP withdrawal sequencing, Social Security timing, and FEHB in retirement.
High income. Complex pay structure. Aging parents. Growing kids. Questions nobody around you can really answer.
"We're making $250K and still feel like we have nothing left at the end of the month. Where is it all going?"
"How do I fund college, cover daycare, save for retirement, and help my parents — all at the same time?"
"My contract income is strong but it can disappear overnight. How do I build real wealth on lumpy pay?"
"If I lost my contract tomorrow, how long could we actually survive on what we've saved?"
"My parents are getting older. How much can I help without wrecking our own long-term plan?"
"Should I pay off the mortgage, max the TSP, or pay down credit cards first? I genuinely don't know."
If your income is strong but your decisions still feel messy, uncertain, or heavier than they should, this is the kind of planning relationship designed for you.
Eighteen years ago, my brother lost his wife in a tragic accident. They'd been married one year. He had a six-month-old daughter. In an instant, the future they were building was gone. Watching him navigate that loss while caring for an infant left a mark that never went away.
"What I do isn't just about investment returns or tax strategies. It's about helping clients prepare for life's most difficult moments with thoughtful planning and safeguards."
I founded RPM Financial Group to serve Gov-Con executives, Cyber Pros and Federal Employees who deserved better than a template — plans built for the way your family actually lives.
A comprehensive, living plan updated in real time as your life changes — not a one-time document that collects dust.
Tax strategy, retirement readiness, college funding, insurance review, cash flow, equity comp, and debt strategy — all tracked and updated daily in your RightCapital portal.
Disciplined portfolio design, custom direct indexing with daily tax-loss harvesting, and coordinated asset location — with continuous monitoring so every dollar supports your plan.
Through our Trust & Will partnership, every comprehensive plan includes a living trust, will, power of attorney, and healthcare directive — at no extra cost.
Money is a means, not the goal. We help you connect the plan to what it's actually for — your family, your time, and the life you want to be living well before and long after you retire.
No prep needed. No commitment required. Just a real conversation.
Just tell me what's keeping you up at night financially. We'll figure out if we're the right fit — honestly, not with a sales pitch.
Free · No obligationA relaxed 60-minute conversation — virtual or in person in Rockville, MD — where we dig into your goals, family, fears, and timeline.
60 min · Virtual or in-personA clear, personalized roadmap with specific recommendations. Then we stay with you through implementation, updating as your life changes.
Ongoing support includedHypothetical case studies inspired by real client situations. Names and details are changed to protect privacy; examples are for illustration only.
A 41-year-old systems engineer in Reston. $380K in a TSP, no estate documents, three kids under 10, aging parents out of state. Twelve months later: a funded trust, coordinated insurance, college savings for all three kids, and a retirement number he actually believed in.
A Bethesda couple with $435K combined income had been meaning to get a plan for four years. Three months after their first call: wills and directives for both, and a tax strategy that saved a significant amount they redeployed elsewhere.
A federal employee in her early 50s, eight years from retirement, had never had a real conversation about what FERS meant for her monthly income. She had more than enough to retire on her terms. She just didn't know it.
A 20-year Navy veteran in Virginia Beach, retiring from service and stepping into a Gov-Con role that finally pays for the expertise he earned in uniform. His goal: put down roots so his two middle-schoolers never change districts again. Nine months later — military pension and contractor income mapped into one plan, a reserve sized for contract risk, and a confident home purchase that keeps the family in the same community for good.
"I've worked with Ryan for more than six years. I'm a federal employee getting ready to retire early next year, and I'm far more comfortable with that decision now than I was before. I'm more knowledgeable about my money and my future. Ryan is always available to support not just me, but my family as well."
This statement is a testimonial by a client of the financial professional as of 05/14/2026. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
You've been meaning to get a real financial plan in place for a while. The longer you wait, the more expensive and complicated the catch-up becomes. Book a free 20-minute call — no commitment, no sales pitch.