Government Personnel Advisory Group

What Government Personnel Advisory Group does

Government Personnel Advisory Group (DBA "Financial Vehicles") is a privately held boutique financial advisory firm headquartered in Eustis, Florida, that specializes in retirement, tax, and investment planning for federal, state, and local government employees. Founded in 1994 and operating for over 30 years, the firm is led by Richard G. Easterbrook, CFP (certified since 1997), who serves as the Investment Advisor Representative. Investment advisory services are delivered through Royal Fund Management, LLC, an SEC Registered Investment Advisory Firm under which the firm operates under fiduciary standard.

The firm's core service offering spans retirement income planning, 401K and TSP allocation advisory, RMD tax shield strategies, FERS/CSRS and Social Security income maximization, TSP and 401K rollover strategies, tax planning, IRA/Roth IRA/529 advisory, debt management, and risk management and insurance analysis. Supporting these advisory services is a substantial content marketing infrastructure — a financial calculators suite, an educational video library, interactive flipbook publications, monthly newsletters, a tax forms and publications library, and a weekly email newsletter — hosted at financialvehicles.com. The proprietary "RMD Shield Strategies" framework and the domain specialization in federal benefits (FERS, CSRS, TSP) represent the firm's intellectual differentiation against generic financial advisors.

The business model is fee-based, subscription/recurring investment advisory revenue delivered through personalized one-on-one phone and in-person consultations. The go-to-market is sales-led and relationship-driven, supported by content marketing and referrals. The firm is authorized to communicate with residents in 16 states plus DC, and is privately held with no disclosed funding, no M&A activity, and no headcount growth signals. Revenue is not publicly disclosed; the practice appears to be a solo-advisor operation with limited additional staff, generating fee revenue from a niche book of government-employee clients.

Name

Government Personnel Advisory Group

Legal name

Government Personnel Advisory Group, LLC

Website

https://financialvehicles.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Government Personnel Advisory Group is a privately held Florida-based fiduciary financial advisory firm specializing in retirement, tax, and investment planning for federal, state, and local government employees, led by CFP Richard Easterbrook and operating through SEC-registered Royal Fund Management, LLC.

Ownership category

akta.pro rank

Product category

Financial Advisory Services for Government Employees

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Based Advisory (FSAEAAAM)

akta.pro secondary industries

Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Retirement income planning
• Government employee benefits
• Investment advisory services
• RMD tax strategies
• FERS CSRS planning

Headquarters

HQ city

Lake Mary

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Investment Advisory Services: Fee-based investment advisory services offered through SEC Registered Investment Advisory Firm Royal Fund Management, LLC. Clients receive fiduciary-standard financial planning and investment management.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

Government Personnel Advisory Group is a financial advisory firm that provides retirement income planning, investment advisory, and tax planning services exclusively to federal, state, and local government employees. The firm specializes in FERS/CSRS benefits analysis, Social Security income maximization, TSP and 401(k) rollover strategies, and proprietary RMD Tax Shield Strategies, with Investment Advisory Services executed through Royal Fund Management, LLC, an SEC Registered Investment Advisory Firm.

Product overview

Government Personnel Advisory Group is a financial advisory firm specializing in services for federal, state, and local government employees. The firm operates as an SEC Registered Investment Advisory firm and offers a comprehensive suite of financial planning services centered around retirement income planning, investment advisory, tax planning, and risk management. The core offerings include Retirement Income Planning, 401K Allocation Advisory, RMD Tax Shield Strategies, Federal Employee Benefits Analysis (FERS/CSRS), Social Security maximization, debt management, tax planning, investment planning, IRA/Roth IRA/529 plans, TSP/401K rollovers, and risk management/insurance. Supporting these core services are educational tools including a financial calculators suite, educational videos, flipbooks, newsletters, and tax resources.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Income Planning Comprehensive retirement income planning services designed to help government employees prepare for and manage their retirement years.
• 401K Allocation Advisory Services Advisory services to optimize 401(k) investment allocations for government employees.
• RMD Tax Shield Strategies Proprietary strategies comprising 7 tactics aimed at reducing Required Minimum Distributions, eliminating taxes on RMDs not taken, maximizing tax-free inheritance, and lowering Medicare Part B premiums and Social Security taxes.
• Federal Employee Benefits Analysis Analysis of federal employee benefits including FERS and CSRS programs to maximize benefits for government workers.
• FERS / CSRS and Social Security Income Maximization Strategies to maximize Federal Employee Retirement System/CSRS benefits and Social Security retirement benefits.
• Debt Management and Budgeting Services to help clients manage debt and create effective budgeting strategies.
• Tax Planning Tax planning services to help minimize tax liability for individuals.
• Investment Planning Investment planning services to help grow and protect client assets.
• IRA, Roth IRA and 529 Education Plans Advisory Advisory services for Individual Retirement Accounts, Roth IRAs, and 529 college savings plans.
• TSP and 401K Rollover Strategies Strategies for Thrift Savings Plan and 401(k) rollovers for government employees transitioning between employers or into retirement.
• Risk Management and Insurance Risk management services including life insurance and long-term care insurance analysis and recommendations.

Quantifiable outcome

• Reduce Required Minimum Distributions (RMDs)
• +4 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Royal Fund Management, LLCcoreTechnology or IntegrationRoyal Fund Management, LLC is an SEC Registered Investment Advisory Firm that provides the investment advisory platform and services for Government Personnel Advisory Group clients. Investment Advisory Services are offered through this registered firm.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Empower Retirement: Major retirement plan provider with significant government and public-sector plan administration; comparable as a large incumbent competing for government-employee retirement assets and rollovers.
• TIAA: Long-established provider of retirement services to government, academic, and nonprofit employees; directly comparable in target customer base (public-sector employees) and retirement income planning.
• Vanguard Personal Advisor Services: Hybrid digital RIA offering low-fee, advice-driven portfolio management; comparable because it targets the same retirement-plan rollover segment with a more scalable, lower-cost delivery model.
• Fisher Investments: Large RIA with an institutional-style managed-money approach; comparable as a fee-based registered investment advisor competing for retirement-plan rollover dollars nationwide.
• Financial Engines (Edelman Financial Engines): Large national RIA with deep 401(k)/rollover advisory focus; comparable because it competes for the same retirement-plan participants and rollover assets the government-employee practice serves.
• Charles Schwab Intelligent Advisory / Wealth Advisor: Large brokerage with registered investment advisory services for retirement planning and rollovers; comparable as a mass-market alternative for government employees seeking fee-based advice.

Direct peers

• FedSmart Financial / Federal Retirement Advisors (broad federal-benefits advisor category): Small RIAs specializing in federal employee retirement planning and TSP strategies; direct peer competing for the same narrow FERS/CSRS/RMD planning demand.
• Federal Employee Benefits Advisors (FEBA): Independent advisory practice focused on federal employee benefits, FERS/CSRS, and TSP planning; a near-direct peer with the same niche customer, same benefits complexity, and similar advisor-driven delivery.

Emerging players

• NewRetirement: Financial planning software and advisory platform for retirement income, RMDs, and tax planning; comparable as an emerging, technology-led alternative addressing the same planning problems for self-directed consumers.
• Halliday Financial: Boutique RIA focused on retirement income planning and tax-efficient withdrawal strategies; comparable as a similarly-sized, niche advisor targeting near-retirees with planning-led offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/fin_vehicles
• LinkedInlinkedin.com/in/richard-g-easterbrook-cfp-51368140

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Government Personnel Advisory Group