Retirement Planning, Built Around Your Purpose

PDR Planners builds federally informed, purpose-driven retirement strategies for families and federal employees who want clarity, not guesswork, about their income and legacy.

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Our team holds both the ChFEBC℠ and FRC designations in addition to a range of other financial planning credentials.

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We offer a no-cost initial consultation, with no pressure and no obligation.

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We plan for income, legacy, and risk, not just portfolio growth.

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We serve Richmond and the surrounding communities in-person and virtually nationwide.

A Retirement Plan Built Around Your Purpose, Not Just Your Portfolio

If you're searching for retirement planning, chances are you already have savings. What you may not have is a clear answer for how that money turns into income, for how long it lasts, or what happens to it after you're gone. As a Richmond financial planning firm, we build retirement and legacy planning strategies around the life you actually want to live, not a generic portfolio model.


We work with two kinds of clients, and we built this site to speak to both directly.

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Federal Employees, Nationwide

Federal retirement benefits (FERS, CSRS, TSP, FEHB, and FEGLI) are their own system, with their own rules and their own blind spots. Our  ChFEBC℠ designation means we're trained specifically in how these benefits work and how to plan around them, wherever you're stationed.

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Pre-Retirees and Retirees Planning Independently

If you're 55 or older and mapping out retirement on your own, including after a divorce or the loss of a spouse, we build income and legacy plans that reflect where you are now, not where a plan built for someone else assumed you'd be.

Planning That Covers Every Piece of Your Retirement

A retirement planner should do more than build a savings projection. Here's how we cover the full picture.


  • Retirement Planning: a core strategy built around your income needs, timeline, and goals, not a one-size template
  • Federal Employee Retirement Planning: FERS, CSRS, TSP, and Social Security guidance built for federal benefit rules
  • Income Planning: a clear answer for where your retirement income comes from and how long it lasts
  • Legacy & Estate Planning: a plan for what you pass on, and to whom, decided while you still have the say
  • Risk Planning: protection strategies that account for the unexpected, without leaving your plan exposed
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Local Retirement Planning Across Greater Richmond

We're based in Richmond, but our clients come from all over the metro area. We regularly work with families in Henrico, Glen Allen, Hanover, Chesterfield, and Mechanicsville, and we understand the community context each of those areas brings to a retirement conversation. Beyond the metro area, we work nationwide virtually.

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Learn Before You Commit to a Plan

Retirement decisions get easier with the right information in front of you. Our seasonal workshops walk through federal benefits, income strategy, and legacy planning in plain language, with no pressure to sign up for anything afterward.

Frequently Asked Questions

  • How do I find a retirement planning company near me in Richmond?

    PDR Planners is based in Richmond and serves clients throughout Henrico, Glen Allen, Hanover, Chesterfield, and Mechanicsville. You can schedule a no-cost consultation online or reach out through our contact page to get started.

  • What does a financial advisor do for retirement planning?

    A retirement-focused financial advisor helps you turn savings into a sustainable income plan, coordinate benefits like Social Security or TSP, and plan for legacy and risk. At PDR Planners, that planning is built around your specific goals rather than a generic model.

  • Do you work with federal employees who live outside of Virginia?

    Yes. Our FRC designation covers federal retirement benefits like FERS, CSRS, TSP, and FEHB, which apply the same way regardless of where a federal employee is stationed. We work in-person with Richmond and surrounding communities, and virtually nationwide.

  • Is the initial consultation really free?

    Yes. The first consultation has no cost and no obligation. It's a chance for us to understand your situation and for you to see whether our approach is the right fit.