Financial advice for rocket scientists, aerospace, and defense workers approaching retirement
Work at Northrup Grumman, L3Harris, Leonardo DRS, NASA, Space X, Blue Origin, or United Launch Alliance? We know all the ins and outs of your compensation and retirement plans.
Your retirement countdown has begun!
You have a lot of new obstacles to face
and questions to answer, such as:
How do I fuel today’s lifestyle without burning out my future reserves?
What’s the most efficient trajectory to minimize taxes?
How do I balance multiple missions—kids, parents, and my own future—without running out of resources?
Navigating your financial future can feel like rocket science—complex, uncertain, and high stakes. We bring precision, tested systems, and mission control oversight to guide your financial journey. With the right trajectory, you can launch toward long-term stability and reach your highest goals.
“Retirement-income planning is the most complex problem I’ve analyzed in my career.” – William Sharpe, PhD, Winner Nobel Prize in Economics
Preparing for retirement can be daunting but you don’t have to go it alone. Our financial planning and tax services are designed to keep you on the right track as you approach retirement. With expert analysis, thoughtful recommendations, and ongoing support from our entire team, we focus on meeting your family’s goals and helping you navigate life’s challenges.
Acting as your family’s Chief Financial Officer, we bring together financial planning, investment management, and comprehensive tax advice—not just basic tax planning—to help you make the most of your 401(k), use your ERSP plan wisely, maximize the value of your RSUs, options & pension, and solidify your financial position.
Comprehensive Services Based on Your
Stage of Life & Unique Needs
Get on Track
Build a Plan
Stay on Course
To get started, we’ll focus on what’s happening with your finances right now, including:
- The size of your current “fuel tank” (savings) and ways to add thrust before retirement.
- Whether you’re diverting resources to other missions—like children or parents.
- What to expect from your guaranteed boosters—pension and/or Social Security.
- How your investment engines align with your overall trajectory.
Once we have a clear picture of your finances, we’ll shift our focus to details like:
- Designing maneuvers for maximum tax efficiency.
- Factoring in location shifts—like downsizing or moving bases.
- Controlling cash flow to maintain smooth operations on a fixed income.
- Planning for unexpected mission-critical roles, like caregiving.
With a plan in place, we’ll monitor your finances to keep you secure throughout retirement by:
- Adjusting resources as life conditions change.
- Staying adaptable to unexpected turbulence—like health shifts.
- Balancing your investment engines between thrust (growth) and stability.
- Running precise tax calculations to optimize every move.
How We Do It
A strategic, personalized 4-step plan to provide you the financial
clarity and stability you need now and throughout retirement
We start by getting to know, your priorities, and what you envision for the future.
We take a close look to see where there’s room for improvement, and will create a plan just for you.
We’ll walk you through your plan and our approach in plain language, answering any questions along the way.
We’ll keep an eye on your progress, adjust as needed, and keep you updated as we make changes.
The Tax Numbers You MUST Know
The tax code is complex. To manage your taxes, there are key numbers you MUST know! Regardless of your stage of life, our free guide highlights the most elemental of these numbers. Get it today. UPDATED FOR 2026!
(If you are a current MFT client and want access to this document please contact your client service manager.)
Schedule an Initial Call
Start your journey today with a team that’s ready
to guide you every step of the way
OR
RIA Edge 100 2023 – Wealth Mangement’s list of America’s top firms
America’s TOP 250 Registered Investment Advisory Firms 2025, 2024 and 2023
America’s Best Financial Advisory Firms 2024, 2025, &2026.
Named to CNBC’s 2025 Financial Advisor 100 list of America’s Top 100 Financial Advisor firms.
Named one of the Best Places to Work for Financial Advisors 2026 and 5 other times since 2019.
Named one of America’s 60 Best RIAs to Work for 2025 & 2024 via an anonymous employee survey and an independent evaluation by Financial Planning magazine.
Registered Investment Advisory Survey and Ranking – #236 in 2025) based on assets under management. We have appeared on this list every year except one since it started in 2006.
100 fastest-growing businesses owned or led by Florida State University alumni in the U.S. 2026 and 7 other times since 2018
Limitations of awards & recognitions
Limitations of awards & recognitions: Moisand Fitzgerald Tamayo, LLC does not participate in any program requiring a fee to participate or receive an award. Neither rankings and/or recognition by unaffiliated rating services, publications, or other organizations, nor the achievement of any designation or certification, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Moisand Fitzgerald Tamayo, LLC is engaged to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by participating advisers. No ranking or recognition should be construed as a current or past endorsement of Moisand Fitzgerald Tamayo, LLC by any of its clients. ANY QUESTIONS: Moisand Fitzgerald Tamayo, LLC’s Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including providing the criteria used for any reflected ranking. (Additional important disclosures)
Frequently Asked Questions
1. Does Moisand Fitzgerald Tamayo work with employees of aerospace and defense companies like Lockheed Martin, Northrop Grumman, or SpaceX?
Yes. One of our specializations is in financial and tax planning for employees of major aerospace and defense employers, including Northrop Grumman, L3Harris, Leonardo DRS, NASA, SpaceX, Blue Origin, and United Launch Alliance. We understand the specific compensation structures, retirement plans, and benefits these companies offer. (These companies do not endorse MFT or any other advisory firm)
2. What makes financial planning different for rocket scientists and aerospace workers approaching retirement?
Aerospace and defense employees often have complex compensation packages, including 401(k) plans, ESPPs (employee stock purchase plans), RSUs (restricted stock units), stock options, and pensions. Coordinating these pieces with Social Security, tax planning, and long-term retirement income requires specialized knowledge of how these benefits work and interact.
3. How do I make the most of my RSUs, stock options, and pension as I approach retirement?
Maximizing the value of RSUs, options, and pensions involves coordinating the timing of vesting, exercising, and distributions with your overall tax picture and retirement income plan. Our team works with you to align these decisions with tax-efficient strategies and your broader financial goals.
4. What is the difference between tax planning and tax advice?
Tax advice is more valuable. Tax planning suggests what one should consider. While there is value in these suggestions, going a step further to give specific tax advice on exactly what needs to be done means more responsibility, a responsibility most firms do not want to accept. A typical disclaimer reads something like, “We do not provide tax advice. We recommend you consult with a tax advisor about your individual situation.” Tax advice at MFT is more comprehensive — it means proactively coordinating your investments, retirement accounts, RSUs, and income sources year-round to minimize your overall tax burden, not just at filing time.
5. How does Moisand Fitzgerald Tamayo help with retirement income planning?
We help clients determine how much they can safely spend in retirement without depleting their savings, how to coordinate pension and Social Security income, how to manage cash flow on a fixed income, and how to adjust their investment strategy to balance growth and stability over time.
6. Is Moisand Fitzgerald Tamayo a fee-only financial advisor?
Yes. We are a fee-only firm, meaning we don’t get commissions from selling financial products. Our loyalty is to clients only, ALWAYS. We never act as a sales agent for any other party. Our focus is on providing objective financial planning, tax, and investment advice based on your needs.
7. What areas does Moisand Fitzgerald Tamayo serve?
We serve clients throughout Florida, including Orlando, Tampa, Melbourne, Boca Raton, Daytona Beach, Fort Pierce, Fort Lauderdale, Jacksonville, Lake Mary, Lakeland, and West Palm Beach, as well as Dallas-Fort Worth, Texas.
8. How do I get started with a financial advisor for aerospace and defense employees?
You can schedule a free, no-obligation introductory call with our team to discuss your financial situation, retirement timeline, and goals. From there, we’ll walk you through our process for building a personalized financial plan.
9. What financial planning services do you offer for retirement?
We offer comprehensive financial planning, tax planning and advice, retirement planning, investment management, and estate planning, all coordinated together as part of a single, ongoing strategy tailored to your stage of life.
