Matthew Etzler

I’m a fee-only, advice-driven financial planner with over 30 years of experience helping individuals and families make informed financial decisions. My practice is rooted in comprehensive financial planning—guiding clients toward their goals, helping them avoid costly mistakes, and giving them the peace of mind that comes with financial clarity.

I specialize in pre-retirement and post-retirement income planning, helping retirees and those nearing retirement create sustainable, tax-efficient income strategies.

I work extensively with federal and government employees, as well as career professionals, to optimize their retirement benefits, ensuring they transition smoothly from earning a paycheck to drawing retirement income. A major focus of my practice is in-depth tax planning.

Having previously prepared taxes for over 20 years, I bring a deep understanding of the tax code and its impact on financial decisions. I help clients implement tax-efficient retirement distribution strategies, including the incorporation of Roth conversions, Required Minimum Distributions (RMDs), Qualified Charitable Distributions (QCDs), and strategic gifting.

By integrating tax planning with retirement planning, I ensure clients keep more of what they’ve worked so hard to save. My approach is transparent, strategy-driven, and tailored to each client’s unique situation.

With decades of experience, I understand that financial planning is more than just numbers—it’s about making informed decisions that provide confidence and security, both now and in the future.