We differentiate ourselves by the services we offer, including in-depth knowledge, training and experience.

Once you decide to retire and leave federal employment, you have options. Federal Retirement Services PLLC, is designed to help federal employees as their ongoing financial advisory firm throughout their retirement. With a focus on generating reliable monthly retirement income, Federal Retirement helps pre-retirees get retired and retirees stay retired. Located in Canton, Michigan, Federal Retirement Services works with retirees all over the United States; clients include both former federal employees as well as those from the private sector.

Helping people improve their financial future in a permanent and positive way

How We Can Help?

Our process starts with a benefits consultation that helps us to break down your unique situation and goals. Once we know your goals, we can use our tools, resources and experience to design a plan to give you income for life. We also specialize in education. Federal employees have exclusive benefits, like the Thrift Savings Plan (TSP), Federal Employees’ Group Life Insurance (FEGLI) and a pension plan. Unfortunately, far too often, clients walk into our offices without any idea where they stand with their retirement accounts. This happens despite the obligations of the largest employer in the world, the United States government, to provide sufficient financial information.

Benefits Admin Letter 07-102 Date: April 23rd, 2007

Benefits Administration Letter 11-104 (5 U.S.C. 8350) Date: March 25th, 2011


At Federal Retirement Services, we fight against the lack of education and create a custom plan that suits your needs.

Many of Our Clients Have Something in Common

No One Feels They Have Enough

While financially comfortable, our clients rarely feel as if they have enough and are usually hesitant to retire even when the data suggests they may do so at any time. At least one worries about the possibility of outliving their money.

Politically conservative, they feel they pay far more than their fair share of income tax and worry about the impact taxes will have on their retirement savings.

Our clients enjoy travel and often aspire to have a second home. At 3 am, they ask themselves:

Will I ever have enough money to retire?

Will I end up having to return to work?

What if my children need financial support when I’m retired?

If tax rates go up in retirement, how will that affect me?

Often one member of the couple feels he/she could manage their investments but has little confidence the other could.

They both crave simplicity with their money. More than anything, they want to be told that they’ll be okay. They want to work with someone who is accessible and reasonably priced.

Our clients possess likable personalities and an optimistic attitude about the future. They feel grateful for their lives and family, but want acknowledgement for their hard work and contribution to society.

Our clients are trainable. While they don’t possess many hardcore attitudes toward investment strategy, they have reasonable expectations when it comes to returns and the role we play in helping them to achieve their goals. Trust comes naturally to them.

Dave Baker

Our Founder’s Philosophy

People say that money isn’t everything. I agree. It may not be everything, but it’s right up there with air. Money solves a lot of problems, and there are plenty of problems out there. I’m willing to bet that 90% of the challenges people face today can be taken care of by writing a check. I’m not being flippant; I’m just making a point.

Money can’t buy happiness, but it does determine where you live, what you drive, where your kids go to school and the lifestyle you enjoy. So having money is important, especially in today’s unsettling world. You worked hard to make it and you need to protect it and control it because your family’s future is at stake.

My beliefs were forged out my own experience as a family man and business owner. I know what it takes to make a living today, and I had to learn the hard way about how to make that money last. Before you can have a conversation about your financial future with any financial advisor, I think it’s important that you understand the bedrock of our financial principles. Basically, we are risk-averse. My concerns about risk are well founded; just pick up a newspaper and scan the headlines.

Founder of our sister companies, Dave Baker

Dave Baker, founder of Nautica Asset Management and our sister company, Federal Employee Benefits Education Services, has written three books designed to help people both choose their benefits, and plan for their retirement. Dave explains the need for lasting retirement income and how to plan ahead to minimize income taxes.

Check out the websites from our sister companies:

Get All Three Of Dave Baker's Books

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Bursting cover-to-cover with tips, tricks and strategies to enhance your financial outlook.

Let's Meet Virtually

There is absolutely no obligation or cost for us to meet with you online to discuss your federal benefits and your personal financial situation and goals. Doesn’t it make sense to find out if you are on track with the benefits you have through the federal government? That’s what we’re here for. We work with federal employees just like you all over the United States and we are 100% virtual when it comes to one-on-one meetings with you.

Our Expertise

We develop custom financial and retirement plans specifically geared to optimize your federal benefits and help ensure they are in alignment with your personal financial goals for your best outcome. We are committed to a fiduciary duty in this regard, placing your best interests first, before our own.

Here are just a few of the things we can help you with:

  • TSP Education
  • Benefit Analysis
  • Tax-Free Income
  • FEGLI vs. Private Insurance
  • Social Security Timing
  • Lifetime Income Planning
  • Legacy Planning Strategies
  • Long-Term Care Preparation & Insurance

Our Core Beliefs About Retirement And Risk:

Step 1


You have a limited amount of cash that will flow through your hands during the course of your life. That means it’s a limited resource, and any time you have a limited resource, you simply can’t afford to lose any of it.

Protecting this valuable resource is number one on my list. It could take years just to get back to even from a financial loss and there is no guarantee that you’ll ultimately fully recover, because time is also a limited resource. Bottom line: don’t lose money you’ll never worry about the time it takes to make up for the losses.

Step 2


Opportunities are available for people who can put their hands on cash and take advantage of solutions. While we dream of winning the lottery, very few financial success stories are “Rags to Riches”. Most of them are about the person that had an idea and also had access to the cash to put that idea into play.

I believe that keeping your money in a place where it is accessible and still growing is critical. Cash flow is income through liquidity, use, and control. When you are in control of your cash flow, it opens the door to a host of opportunities.

Step 3


It takes a skilled person to position their money in such a way that it is continually growing. Consistent growth and annual compounding will outperform erratic and unpredictable speculative risk.

One of the most common mistakes Americans make with regard to their finances is the failure to understand how truly powerful compounding interest is. It’s easy to see the benefits of compounding interest when you look at a chart showing exponential growth. Unfortunately, most people drain their accounts on big purchases with short-sighted instant gratification rather than doing the math and realizing the amazing power of compounding interest.

The world has us trained to spend and pay interest rather than save and earn interest. Keeping your money working for you at all times is key. Continuous compounding is part of the miracle.

Step 4


It’s impossible to avoid taxes, but you can, and should do everything you can to minimize them. Every dollar of yours that goes to Uncle Sam costs you not just that dollar, but all the dollars you would have made on the interest compounded overtime.

Paying unnecessary taxes has a significant impact on your financial future. Taxes are the largest single expense you will ever have! Taxes matter and they’ll be going up. It is essential to your financial health to be able to manage tax risk as effectively as possible.

Step 5


You work hard to make sure that your family is taken care of. If you’re smart with your money, you have worked equally hard to save some of it for rainy days and retirement. However, is it protected from loss? Is it growing in an environment where you can enjoy market-like returns without experiencing the agony of loss that happens when markets dip, dive or even crash completely? Are you able to access it? Even if you have a lot of money put away, if you can’t use it when you need it, it’s useless.

Smart financial planning means your money is shielded from all the risks that threaten to deplete your savings while at the same time continues to enjoy decent growth so you can control when, where, and how you want to use it.

When the rings that represent the family financial principles come together, they form the Family Financial Shield. Nautica Asset Management’s team of representatives are committed to providing you with the most effective, powerful shield available today in family financial planning. We’re here for you and your family, to help you keep them safe financially. Together we can build a brighter financial future for you and those you love.



 Copyright © 2022 Nautica Asset Management, LLC. Advisory services are offered through Nautica Asset Management LLC, a Registered Investment Advisor in the state of Michigan. Insurance products and services are offered through Nautica Insurance Group LLC. Nautica Asset Management LLC and Nautica Insurance Group LLC are affiliated entities.