Retirement Planning for Hanford Site Contractors
For over 25 years, we've helped Battelle, Energy Northwest, and Hanford contractor employees navigate complex pensions, 401(k) transitions, and retirement decisions with confidence.
Fiduciary Advisors • CFP® Professionals • Kennewick-Based Since 2000
Specializing in Contractor Retirement Planning
Deep Hanford Expertise
We've worked with hundreds of Battelle, Energy Northwest, and Hanford contractor employees. We understand your unique benefits landscape and speak your language.
Contractor Transition Specialists
Changing contractors? We help you navigate pension portability, 401(k) rollovers, and benefit transitions seamlessly—so nothing falls through the cracks.
Fiduciary Advisors
We're legally required to put your interests first. No commissions. No product sales. Just advice focused entirely on your retirement goals.
Local & Accessible
Kennewick-based since 2000. We understand Tri-Cities living costs, local priorities, and what retirement means here in the Columbia Basin.
Your Path to Confident Retirement
We guide Hanford professionals through every stage of retirement planning with a clear, proven process.
1. DISCOVER
We start by learning about your goals, current benefits, and retirement timeline. What matters most to you? What keeps you up at night? We listen first.
2. DESIGN
We create your "Retire Confidently Roadmap"—analyzing your pension options, optimizing Social Security timing, and stress-testing your plan against real market conditions.
3. IMPLEMENT
We help you take action: coordinating accounts, implementing tax strategies, making benefit elections, and ensuring nothing is overlooked during contractor transitions.
4. MAINTAIN
Life changes. Markets shift. We provide regular reviews and adjustments to ensure your plan stays on track as your circumstances and goals evolve.
Why Contractor Retirement Is Different
Hanford contractor employees face retirement planning challenges that typical financial advisors don't understand:
Complex Multi-Employer Pensions: Moving between Bechtel, Mission Support, Amentum, and other contractors creates pension portability questions most advisors can't answer.
Frequent Benefit Plan Changes: DOE contract changes mean benefit structures shift. We help you understand how transitions affect your retirement timeline.
Multiple 401(k) Accounts: Years of contractor changes often mean multiple retirement accounts scattered across different employers. We help you consolidate and optimize.
Healthcare Coverage Gaps: Leaving work before Medicare eligibility at 65? We help you navigate COBRA, private insurance, and healthcare planning.
No Standard Federal Benefits: You're not a federal employee with TSP and FERS. Your retirement planning requires specialized knowledge of contractor-specific benefits.
Tax Complexity: Coordinating pension payments, 401(k) withdrawals, and Social Security requires strategic tax planning to keep more of what you've earned.
Hanford Professionals We Work With
If you work at the Hanford Site or in the Tri-Cities nuclear industry, we understand your benefits and can help you retire confidently.
Battelle Employees
PNNL staff navigating research careers into retirement
Energy Northwest
Nuclear power professionals with unique pension structures
Hanford Prime Contractors
Bechtel, Mission Support Alliance, Amentum employees
Subcontractor Employees
HAMMER, WRPS, and other Hanford subcontractor staff
Career Changers
Professionals who've moved between multiple Hanford contractors
Tri-Cities Energy Sector
Other nuclear industry and energy professionals in the Columbia Basin
Eldon Monson, CFP®, RICP®
Founder & Lead Advisor
I specialize in helping Hanford contractors transition from careers to retirement with confidence and clarity. After 25+ years working with nuclear industry professionals, I understand your benefits inside and out—and I know how to help you make the most of what you've earned.
Tarina Cardenas
Practice Manager
I ensure every client feels supported and connected throughout their retirement planning journey. From your first call to your ongoing reviews, I'm here to make sure you have everything you need and never feel lost in the process.
Linn Hege Serven
Client Engagement Director
I help families coordinate estate planning and legacy strategies alongside their retirement plans. Your financial life doesn't end at retirement—I'm here to help you think about what comes next and how to protect what you've built.
When should I start retirement planning?
Ideally 5-10 years before your target retirement date, but it's never too late. We work with contractors at all stages—whether you're in your 40s starting to think about retirement or in your 60s ready to make the transition. The earlier you start, the more options you'll have.
What happens to my pension when I change contractors?
It depends on the specific contractors and pension plans involved. Some Hanford pensions are portable within the DOE complex, while others require different strategies. This is exactly the kind of question we help answer—there's no one-size-fits-all answer, and getting it wrong can cost you thousands.
Do you charge commissions on investments?
No. We're fee-only fiduciary advisors, which means we don't earn commissions or sell financial products. You pay us for advice, and we're legally required to put your interests first. No conflicts of interest, no hidden fees.
Can you help if I've worked for multiple Hanford contractors?
Absolutely. In fact, this is one of our specialties. Many of our clients have worked for 2, 3, or more different contractors over their careers. We help you understand each pension, coordinate multiple 401(k) accounts, and create one unified retirement strategy.
How do you charge for your services?
We offer several service models depending on your needs, including comprehensive planning, investment management, and consultation-only services. During your free initial consultation, we'll discuss your situation and explain which approach makes sense for you—with no obligation.
How do you charge for your services?
We offer several service models depending on your needs, including comprehensive planning, investment management, and consultation-only services. During your free initial consultation, we'll discuss your situation and explain which approach makes sense for you—with no obligation.
What if I'm not sure I can afford a financial advisor?
Many Hanford contractors are surprised to learn that professional advice often costs less than they think—and the value of avoiding costly mistakes typically far exceeds the fee. We'll be transparent about costs upfront, and you can decide if it makes sense for your situation.
Do I need to come to your office, or can we meet virtually?
Whatever works best for you. Many of our clients prefer in-person meetings at our Kennewick office, while others appreciate the convenience of video calls. We're set up to serve you however you're most comfortable.
What's the first step?
Schedule a free consultation. We'll discuss your situation, answer your questions, and help you understand your options—with no pressure and no obligation. If we're a good fit, we'll talk about next steps. If not, we'll point you in the right direction.
Ready to Build Your Retirement Plan?
Schedule a free consultation to discuss your Hanford benefits, retirement timeline, and financial goals. No obligation. No pressure. Just honest answers to your questions.
Or call us directly:
(509) 628-1358
What to Expect:
✓ 30-45 minute conversation about your situation
✓ No obligation or pressure to become a client
✓ Clear answers to your Hanford benefits questions
✓ Honest assessment of whether we can help