Advice you can count on.
Get to know American Federal Retirement Fiduciaries.
Driven by a passion to ensure that federal employees gain maximum benefits and invest skillfully, the fiduciary professionals at AFRF have led clients along a pathway of financial stability and comfortable retirement for the past 30 years.
We maintain a national presence, conducting business virtually and in-person. As licensed investment advisors, we are legally obligated to provide you not just a suitable retirement plan, but the best possible one.
And we deliver.
Unbiased Fiduciary Advice
We are licensed to provide investment advice and separately licensed to provide guaranteed income products developed by the insurance industry.
Most financial salespeople marketing to federal employees are licensed only for insurance. They offer one principal tool, annuities. They are economically biased to steer you to an annuity whether (or not) it is your best retirement solution. They are not licensed to provide investment advice or guidance on asset growth.
There are also licensed investment advisors marketing to federal employees. Their ‘fee based financial plans’ are generally biased in favor of stock market investments that have not, historically, outperformed the TSP C stock fund. They generally charge fees higher than TSP C for something not much different or better, and oftentimes worse. They are generally biased against guaranteed income products.
Your critical, once-in-a-lifetime financial retirement decisions are likely to be influenced by the licensing, business model and embedded bias of one of the two types of advisors.
You may get lucky. The advisor’s bias may line up with your needs and you’ll be OK. I would not, however, suggest ‘getting lucky’ as a sound retirement strategy.
Michael Howard Natter , Founder
Registered Investment Advisor Representative (Series 65 IAR) Certified Federal retirement consultant (FRC)
I am Michael Howard Natter, founder, and principal at American Federal Retirement Fiduciary. I’m a financial professional who specializes assisting federal employees pre and post retirement. After 30 years in banking and finance, including a Managing Director position at Bank of America, I started AFRF to assist federal employees better navigate the salesmanship and inherent biases of the investment industry.
We offer a full set of tools, not just one. I am structured to receive fair compensation whether we are investing, providing income, or both. I uniquely have no monetary bias to steer you towards growth or guaranteed income. Instead, we will discover which solution, or a mix of both, is best for you.
As a Federal Retirement Consultant (FRC) and Registered Investment Advisor Representative (IAR) I am certified at the federal level by FINRA, a non-governmental regulator, authorized by Congress to protect America’s investors.
AFRF provides unbiased information to federal employees including:
- When you will be able to retire.
- Obtaining all the benefits and income sources that you — as a federal employee — are entitled to.
- Your pre-retirement benefits decisions.
- Your post retirement allocation and investment decisions.
- Reducing your exposure to stock market losses and taxes.
- Maintaining a long-term relationship so changes in your situation can be managed.
My expertise, experience, and licensing as a government benefits advocate allows me to give precise guidance on retirement and investment options that the government agency personnel are prohibited from providing.
I look forward to working with you.
Call us at 415 505 4034 to schedule your appointment today!
