Lamont Brown, CFP®, EA
Helping Federal Employees Optimize FERS, TSP, & Minimize Lifetime Taxes
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Serving Clients Nationwide
Helping Federal Employees Optimize FERS, TSP, & Minimize Lifetime Taxes
Areas of Focus
- Investment Management
- Retirement Planning
- Tax-Smart Distribution Planning
- Taxes
About Lamont Brown, CFP®, EA
I spent 15 years as an active-duty United States Marine Officer (USMC) before becoming a DoD contractor—and then a financial planner specializing in federal retirement.That path taught me: what it's like to step out of federal service and into financial independence.
I know what it's like to have structure, predictability, and a mission-focused career. And I know what happens when that structure disappears and you're responsible for coordinating pension timing, TSP withdrawals, FEHB elections, Social Security, and taxes—with no manual and no room for error.
Why I Chose to Serve Federal Employees:
When I became a financial planner, I worked with executives, business owners, and families at different stages of wealth. Over time, I saw that federal employees face a unique challenge—a fragmented advisory landscape where critical retirement decisions aren’t coordinated.
I watched smart, accomplished people making irreversible decisions without guidance. People who'd spent 30 years serving the public, now trying to piece together retirement from checklists and product pitches.
That didn't sit right with me.
So I built ALNA Wealth Management to serve federal employees preparing for retirement. Not because it's easier—because you deserve someone who understands both the career you've built and the retirement you've earned.
WHAT I DO:
I help federal employees within 5 years of retirement (or recently retired) build comprehensive strategies that coordinate:
1. FERS pension and Survivor Benefit Plan elections that can't be undone
2. TSP withdrawal strategies that seek to minimize lifetime taxes and avoid IRMAA
3. FEHB and Medicare integration
4. Social Security timing
5. Investment portfolios beyond the five TSP funds
6. Risk management and legacy planning for your spouse
MY CREDENTIALS:
CFP® (Certified Financial Planner™) | Enrolled Agent (IRS Tax Specialist) | AIF® (Accredited Investment Fiduciary) | MBA + Systems Engineering | Formerly Active USMC Officer (15 years)
WHY WORK WITH ME:
Because I've been where you are. I understand the federal system you're leaving, the transition you're making, and the decisions that can't be reversed.
You need someone who's lived both sides of this transition.
If you're preparing for retirement and want guidance from someone who's navigated this path themselves, let's connect.
📧 lamont@alnawealth.com
🌐 alnawealth.com
Investment advisory services are offered through Mariner Independent Advisor Network (“MIAN”), a SEC Registered Investment Advisor. ALNA Wealth Management and MIAN are separate entities. For additional information about MIAN, including fees and services, please contact MIAN or refer to the Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov). Registration of an investment adviser does not imply a certain level of skill or training. Retirement outcomes depend on individual circumstances and are not guaranteed.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
- Enrolled Agent (EA)
Affiliations
-
Association of African American Financial Advisors (AAAA)
- CFP Board
- Financial Planning Association
- CFP Board
Primary Location
Fredericksburg, Virginia
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Flat Fee
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule an initial call to see if we are a fit. We are interested in learning about you and your unique circumstances so we can determine if it would make sense to schedule our next conversation.Offers Investment Management
Yes
About ALNA Wealth Management
ALNA Wealth Management helps federal employees nearing retirement make informed, tax-aware retirement decisions with confidence.Federal retirement comes with a lot of moving parts. Your FERS pension, TSP, FEHB and Medicare, Social Security, investments, and taxes all affect each other. Many of these decisions are hard to change once they’re made, and advice is often fragmented—handled by different professionals who aren’t coordinating the full picture.
ALNA Wealth Management was built around a more connected approach, with taxes as a central part of the planning process.
How We Help
Our planning focuses on four key areas that support a well-planned federal retirement:
Federal Benefit Election Decisions
Helping you understand and evaluate important benefit choices, including pension and survivor elections, FEHB considerations, and how those decisions fit into your overall plan.
Income and Tax Planning
Coordinating retirement income, TSP withdrawals, Social Security timing, and tax strategy so you understand how today’s decisions may affect taxes over time.
Investment Alignment for Retirement
Aligning your investment strategy with your income needs, risk tolerance, and tax considerations as you transition from saving to spending.
Risk and Legacy Planning
Helping coordinate insurance, beneficiary designations, and estate planning considerations to help protect your spouse and support long-term goals, in collaboration with your other professionals.
We’re committed to acting in your best interest. Our role is to help you understand your options, connect the dots, and move forward with a plan that fits the retirement you’ve earned.
Education
Saint Joseph's University, Master of Business Administration - MBA , Finance | The George Washington University, MS, Systems Engineer | University of Arizona, BS, Management Information Systems
Hobbies and Interests
- Golf
- Running
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Gen X
- Government Employees
- Veterans
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