Matthew R Etzler [ChFEBC℠, CFP®, CRC®, CRPS®, CFEI℠]
641 Main Street
Red Bluff, CA 96080
Original Certification Date: 1/1/2005
ChFEBC℠ Number: 5E0M10R05
Organization: Etzler Financial Advisors, LLC
Phone: 530-777-2030
Email: info@etzlerfinancial.com
Website: www.etzlerfinancial.com
CRD#: 1283701
CFP#: 50696
Primary Insurance: Not affiliated with any insurance company. I am a fee-only, advice-only fiduciary, providing objective and conflict-free insurance planning with a strong emphasis on tax and retirement coordination. I do not sell insurance products or receive commissions. My independence allows me to evaluate FEGLI, private insurance, and coverage alternatives strictly in the context of your overall retirement and tax plan, ensuring recommendations support long-term income sustainability and tax efficiency—not sales incentives.
Primary Investment: I am a fee-only fiduciary providing conflict-free investment and retirement planning, with specialized focus on tax-efficient portfolio design and retirement income strategies. This includes guidance on the Thrift Savings Plan (TSP), IRAs, taxable accounts, and distribution planning. I do not sell products, receive commissions, or charge fees based on assets. Advice is time-based and centered on after-tax outcomes, withdrawal sequencing, and long-term tax management, not asset gathering.
Services: I provide comprehensive financial planning for federal employees and retirees, with particular emphasis on retirement income planning and tax efficiency. Services include TSP planning, pension and Social Security coordination, tax planning, investment strategy, risk management, and estate planning coordination. My work focuses on distribution sequencing, timing, and tax-efficient withdrawal strategies to help reduce lifetime tax exposure. I serve individuals and families nationwide as an advice-only, fee-only fiduciary, compensated solely on a time-based basis.
Additional Information: Most federal employees seek advice at critical retirement decision points where tax consequences matter as much as investment returns. I offer a complimentary, no-obligation introductory consultation to discuss retirement timing, benefit decisions, and tax-efficient income strategies. If we determine we are a good fit, I provide a clear written proposal outlining services, scope, and time-based fees—allowing you to proceed with clarity, confidence, and no pressure.