Navigation
Home
About
Who We Are
Our Values
Our Process
Who We Serve
Services
Federal Employees
Retirement — Pre-Retirees
Retirement — Retirees
Tax Strategy
Estate Planning
Wealth Management
Small Business Plans
Financial Planning
Education Planning
Resources
Blog
Financial Calculators
Useful Links
Contact
Client Login ↗
📅 Schedule a Consultation
We make complex financial matters simple, filter out the noise, and provide a clear direction for your financial future.
At District Financial Planning, we understand that you're entrusting us with significant aspects of your life. We take that responsibility seriously and are dedicated to getting everything right, from the very big to the very small.
Learn More →We strive to let nothing slip through the cracks. If we commit to something, consider it done. We don't use industry jargon, or technical terms. We're here to cut through that noise.
Learn More →A strong planning process is the best way to create a more financially secure plan. It is crucial to create a financial plan that seeks to protect your needs now, and that plans for the future, in a tax efficient manner.
Learn More →Find Out Where You Stand
Answer 5 quick questions and get an instant assessment of your retirement readiness — no email required.
Your Retirement Readiness Score
Want a detailed analysis of your retirement readiness? Schedule a complimentary consultation.
What We Offer
Navigating FERS, TSP, FEGLI, and all your federal benefits with clarity and expertise.
Learn More →Building your nest egg and setting a clear course for retirement in your 40s and 50s.
Learn More →Sustainable income strategies for a comfortable, lasting retirement.
Learn More →Proactive tax planning to minimize your burden and maximize what you keep.
Learn More →Ensuring your estate benefits the people and charities you care about most.
Learn More →Disciplined, thoughtful management of the assets you've worked hard to build.
Learn More →SEP, SIMPLE, and Solo 401(k) solutions designed for small business owners.
Learn More →A comprehensive roadmap toward all your most important life goals.
Learn More →Long-term savings strategies for your children's higher education.
Learn More →
Independent & Fiduciary
As an independent advisor registered through Osaic Wealth, we have no quotas, no proprietary products to push, and no conflicts of interest. Every recommendation we make is driven solely by what's best for your financial future.
Federal Employee Specialists
Federal benefits are unlike anything in the private sector. We've spent years mastering the intricacies of FERS pensions, TSP withdrawal strategies, FEGLI coverage decisions, and Social Security coordination for government employees.
Our Process
We don't hand you a binder and disappear. Our planning process is ongoing — built around regular reviews, proactive communication, and adjustments whenever your life changes.
Understand your goals, values, and full financial picture
Build a personalized roadmap to your goals
Execute the strategy with precision and care
Review, adjust, and evolve as life changes
Success Stories
At District Financial Planning, we pride ourselves on providing personalized and effective financial strategies to our clients.
"My husband and I hired Jeff Settle after interviewing a few financial planners. We very much appreciated (and continue to appreciate) Jeff's honest and professional approach with us. He is extremely patient, answering all of our questions, and has met with us several times to make sure that we are comfortable moving forward with his recommendations. He is very responsive and flexible with respect to meeting requests."
"Jeff has been a very resourceful and knowledgeable financial adviser. Any time we have questions or concerns, he makes time to meet and discuss our options. He understands the financial planning jargon and can clearly explain the options, benefits, risks, etc. in terms that are much easier to understand. We feel that Jeff is able to work within our budget while keeping our best financial interests at heart. He is also proactive in meeting with us regularly to discuss the status of our accounts. If you want to be treated like a person and not just some other customer, we highly recommend District Financial Planning."
"Jeffrey has been my financial advisor since before my retirement and he successfully led me to a financially secure post-work life. I've now been retired for over a decade (my how time flies when you're having fun!) and his steady, calm guidance has kept me from being panicky during market ups and downs. What led me to work with Jeff was a co-worker who introduced us and I discovered not only was he comfortable but specialized in working with middle to lower middle class clients. Too many financial advisors limit their client list to the super rich. Getting to meet Jeff's other clients at his before-COVID summer outing was always a treat."
We're committed to acting as fiduciaries in advisory relationships for our clients. This means we always put your interests first and act in your best interest. We are happy to provide transparency and honesty throughout the financial planning process.
Contact Us TodayCommon Questions
Free Resource
A practical guide covering the 10 most important decisions federal employees need to make before retiring — from FERS pension elections to TSP withdrawal sequencing.
Enter your details and we'll send it directly to your inbox.
🔒 No spam. Unsubscribe anytime. Your information is never sold or shared.
Our Team
Jeffrey has worked as a financial advisor for over 20 years, specializing in retirement planning, tax planning, and wealth management. He obtained his CFP® designation in 2009 and attended Virginia Tech, earning a bachelor's degree in finance.
Sheila focuses on providing a positive and personalized client experience through proactive communication and efficient service. She graduated from the University of Pittsburgh with a bachelor's degree in Media Communications.
Insights
Schedule a complimentary initial consultation with Jeffrey Settle, CFP® today. No pressure, no obligation.
Schedule a ConsultationWho We Are
Serving clients since 2004. Independent since 2011.
Welcome to District Financial Planning, your partner for independent financial guidance since 2011, and serving clients since 2004. Located in Silver Spring, Maryland, our practice is 100% virtual, making our services accessible to anyone who believes they can benefit from our expertise.
At District Financial Planning, we understand that you're entrusting us with significant aspects of your life. We take that responsibility seriously and are dedicated to getting everything right, from the very big to the very small. Our team strives to let nothing slip through the cracks. If we commit to something, consider it done.
We believe in providing honest and transparent advice to our clients. If we think a particular plan is a bad idea, we'll be the first to tell you. To us, sugarcoating helps no one, and we want to ensure that you make the best decisions for your financial future.
Navigating the financial world can be confusing, especially with all the industry jargon and technical terms. At District Financial Planning, our goal is to cut through that noise and provide clear, concise guidance. We won't add to the confusion; instead, we'll break down complex concepts into understandable language, empowering you to make informed decisions.
Please feel free to take a look at our services page to find out more about how you can feel comfortable and confident about your financial future. We're here to help you every step of the way.
"We always put your interests first and act in your best interest. We're committed to acting as fiduciaries in advisory relationships for our clients."
Meet Our Team
As the Financial Advisor and Founder at District Financial Planning, Jeffrey's responsibilities include working with clients to help them pursue their financial goals. He has worked as a financial advisor for over 20 years and specializes in retirement planning, tax planning, and wealth management.
Jeffrey is motivated by the latest trends and technology in the financial services industry. In 2009, he obtained the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation. He attended Virginia Tech, where he obtained a bachelor's degree in finance and a minor in sociology. As a Virginia native with over two decades of financial planning experience, he was recruited to the D.C. area in 2007 to lead a team of new financial advisors. This is where he discovered his passion for working with people one-on-one. In 2011, he made the decision to become an independent financial advisor, so he could have the freedom and resources to give his clients personalized advice, tools, and services.
Jeffrey holds FINRA Series 7, Series 24, and Series 66 licenses and is registered through Osaic Wealth, Inc., as well as state insurance and annuity licenses. What he loves most about his job is giving someone the green light to retire or take that dream trip, because they've saved and invested wisely along the way. In his free time, he enjoys relaxing with his wife, Jill, and their two children. He also has a passion for playing the drums.
As Manager of Client Relations, Sheila focuses on providing a positive and personalized client experience through proactive communication and efficient service.
She graduated from the University of Pittsburgh with a bachelor's degree in Media Communications. While in Washington, D.C., Sheila worked at the National Geographic Channel and the U.S. Department of Health and Human Services. After returning to her hometown of Pittsburgh, she also worked at UPMC and Carnegie Mellon University.
With a background in communications and public relations, Sheila has honed her ability to understand client needs and provide tailored solutions that work for them. Outside of work, she enjoys spending time with her husband and kids, bird-watching, and baking.
No obligation. Just an honest conversation about your goals.
Schedule a ConsultationWhat We Stand For
You're entrusting us with very important aspects of your life. We will work to get everything right from the very big to the very small.
We strive to let nothing slip through the cracks. If we commit to something, consider it done.
I will be the first to tell you if what you're planning is a bad idea. Sugar coating helps no one.
No industry jargon, no technical terms. You're hiring us to cut through that noise. We won't add to it.
How We Work
Our process begins with getting to know you and your goals. Tell us where you want to go, and we'll work with you to develop a plan that suits your needs. And as your life changes, we'll adjust your plan so it better aligns with your new path.
We believe a detailed planning process can be one of the most effective ways to create financial security. An effective plan may not only provide financial security throughout your life, it can reduce the damage disability, critical illness, or other sudden losses of income may have.
In our first meeting, we'll identify your goals, priorities, preferences, and any obstacles you may have. We'll also mutually establish what your expectations are for us, and if an ongoing partnership is the right fit.
After our first meeting, we'll take a deeper dive into your situation. As we have a more detailed conversation about your personal and financial goals, we'll start sketching a preliminary plan. The more open and transparent this phase is, the more detailed our plan will be.
Now that we have a foundation, we can deliver an easy-to-follow roadmap that will guide you towards your financial goals. This plan will address the areas that are most important to you, and outline the steps needed to conquer potential obstacles. Your plan will also aim to gain maximum returns via a solid, tax-efficient portfolio.
Life is constantly changing, and your goals will too. When new priorities lead you towards different approaches to wealth management and savings, we'll be here to adapt your plan so it transitions along with you.
Our Clients
We specialize in serving federal employees, pre-retirees, and retired individuals — people who share a common goal: securing a financially stable future.
Understanding the various employment benefits offered by the federal government can be challenging. At District Financial Planning, our goal is to simplify this process for you. We will work closely with you to determine the most suitable retirement, financial planning, and investment strategies tailored to your specific needs.
If you have questions regarding:
How well-prepared is your financial portfolio for retirement? Consider your savings, investments, employer-provided pension plans, and long-term care policies. In your 40s and 50s, it's crucial to evaluate your nest egg's readiness.
We examine key variables including:
Working with financial advisors offers numerous benefits for retirees. Our expertise and guidance will help you navigate the complexities of retirement, allowing you to enjoy your golden years with confidence.
Let's find out if we're the right fit for each other — free, no pressure.
Schedule a ConsultationWhat We Offer
Informed decisions about the products in any portfolio are best made after an assessment of individual needs.
Navigating FERS, TSP, FEGLI, CSRS and all your federal benefits.
Learn More →Building your nest egg and setting a clear course for retirement.
Learn More →Sustainable income strategies for a comfortable, lasting retirement.
Learn More →Proactive tax planning to minimize your burden and maximize what you keep.
Learn More →Ensuring your estate benefits the people and charities you care about most.
Learn More →Disciplined, thoughtful management of your financial assets.
Learn More →SEP, SIMPLE, and retirement solutions for small business owners.
Learn More →A comprehensive roadmap toward all your most important life goals.
Learn More →Long-term savings strategies for your children's higher education.
Learn More →Our Services
We're happy to walk you through how this applies to your situation.
Contact UsInsights
Timely perspectives on markets, planning, and what's on our clients' minds.
Tools & Education
Tools to help you make more informed financial decisions.
Estimate how much you need to save and whether you're on track.
See how your savings grow over time with compound interest.
Estimate your monthly benefit based on your earnings and claiming age.
Analyze whether converting to a Roth IRA makes sense for your situation.
Calculate your Required Minimum Distribution from retirement accounts.
Estimate how long your retirement savings will last.
Resources
Trusted external resources for your financial research and planning.
Link Disclosure: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to. Information is made available to you as a self-help tool for your independent use and is not intended to provide investment, tax, or legal advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Get in Touch
Schedule a Complimentary Initial Consultation with us. No pressure, no obligation — just a straightforward conversation about your financial goals.
📅 Book a Time That Works for YouTypically 30–45 minutes · 100% virtual · No cost
Fill this out and we'll reach out within one business day. All information is kept strictly confidential.
🔒 Your information is private and never sold.
