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Fee-Only Fiduciary Advisors for Federal Employees
We advise federal employees and retirees across federal agencies on TSP strategies, retirement planning, and OGE Form 278e. A firm with deep roots in federal public service: Torrey Growth & Income was co-founded by a former U.S. Foreign Service Officer.
beginning with early State Department colleagues
Managed with fiduciary care
Fee-only since 2006
Avenue NW
Firm figures as of August 20, 2026. See Disclosures.
A tradition of public service
Built by people who served, for people who serve.
George Hoover Sr. served at the Department of State before entering the financial services industry. He built a financial practice around the values of his public service, including integrity, discretion, and care for his clients. While he passed away several years ago, our clients still include family members of his State Department colleagues from over fifty years ago.
George Hoover Jr. started his career as a professional lifeguard for the City of Del Mar, where he spent years as a first responder. He was named Del Mar Lifeguard of the Year, and in one season set the annual record for most water rescues.
The public service tradition continues with Zealan Hoover, who previously served as a senior official at the U.S. Environmental Protection Agency, where he directed implementation of more than $100 billion in clean energy and environmental initiatives, and before that served at the White House where he was on the team responsible for securing the Paris Climate Agreement.
We serve current and former staff from across federal agencies and Congress.
Three generations in public service
Public service spanning decades.
Our own experiences are one reason public service families have trusted this practice across three generations.
Why this is different
The federal employee financial picture is different.
Federal employees have compensation, benefit, and retirement structures that deserve specific expertise. The Federal Employees Retirement System (FERS) pension, Thrift Savings Plan (TSP), Federal Employees Health Benefits (FEHB), and the timing of leave buyouts and separation are materially different from private sector benefits.
How we help federal employees and retirees
TSP & Retirement Benefits
- TSP allocation and rollover strategies, including Roth conversions
- Federal pension analysis and survivor benefit elections
Retirement & Cash Flow
- Cash flow strategies to bridge early retirement, pension, and Social Security
- Navigating the financial transition from public sector compensation to a private sector career or retirement
Federal Ethics & Investment Compliance
- Crafting investment strategies that meet federal ethics investing and reporting rules (e.g., OGE Form 278)
Integrated Planning
- Integration of federal benefits with broader personal wealth, estate, and tax plans
- Planning for second careers, consulting engagements, or board service after government
We have the background and experience to support you whether you are a mid-career professional planning a decade ahead, or a retired senior official putting your federal benefits into a comprehensive financial plan.
Know Before You Go
Five questions to ask before rolling funds out of your TSP.
Moving money out of the Thrift Savings Plan is one of the bigger financial decisions you'll make when leaving federal service. Prepared by Zealan Hoover, who previously served as a senior leader at the U.S. Environmental Protection Agency and the White House.
- Start with the TSP's advantages: The low-fee benefits of TSP, and why the decision is less permanent than most people assume
- What is my strategy for drawing retirement income? Sequencing FERS, Social Security, and withdrawals
- Do I want to make Roth conversions? The window between retirement and RMDs
- How complex is the rest of my picture? Scenarios where account consolidation can be beneficial
- Plus two more questions: And a clear "staying looks better when / rolling out makes sense when" test for each
Check your inbox.
We'll be sending you your insights shortly. If you'd like to walk through the five questions against your own numbers, reply to that email or call (760) 274-2744.
Common questions
Frequently asked questions
Yes. Retirement timing decisions for federal employees involve complex interactions between FERS pension calculations, TSP balances, Social Security eligibility, and healthcare continuity. We can help clients model scenarios and assess how different retirement dates change their financial outlook.
Federal employees leaving government service typically have four main options for their TSP: leave it in the TSP, roll it into an IRA, roll it into a new employer's plan, or begin distributions. The right choice depends on your investment goals, tax situation, and income needs. We help clients evaluate each option and implement the strategy that fits their broader financial plan.
While only you can submit your OGE 278-E and OGE 278-T forms, we can develop an investment strategy that seeks to avoid unintentional sector- or company-specific conflicts of interest, identifies if you need to file supplemental reports, and provides you with the information you need for your annual filings.
Start a conversation
Let's talk about your federal benefits.
We'd welcome the opportunity to speak with you about your financial picture during or after a career in federal service.
- A member of our team follows up within one business day
- An introductory conversation — no preparation needed
- No obligation
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Washington, DC 20001
(760) 274-2744 · View in Maps →
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