About MGF Financial
11 Years Helping Federal Employees Get the Most from Their Benefits
Michele Gutierrez founded MGF Financial with one mission: make sure federal employees never leave money on the table.
- Life & Health Licensed
- Licensed in Multiple States
- 11 Years Federal Benefits Experience
- Nationwide Client Base
Michele Gutierrez
Founder & Financial Advisor, MGF Financial
Michele Gutierrez has spent 11 years working exclusively with federal employees across the country, helping them understand and maximize the retirement and insurance benefits they've earned through their service.
She began her career in general financial planning, working with clients from all walks of life. But over time, she kept encountering the same problem: federal employees — people with genuinely valuable benefit packages — were consistently making uninformed decisions that cost them thousands of dollars. They were retiring without understanding their FERS pension calculation, carrying the wrong FEGLI coverage for years, and leaving the TSP match on the table.
That gap became her focus. Michele retooled her practice around federal benefits specifically, building the deep expertise needed to guide employees through every major decision — from their first day on the job to the day they retire and beyond.
Why Federal Benefits
The Gap Nobody Was Filling
When Michele started in financial planning, she quickly noticed that federal employees were underserved in a very specific way. Their benefits package — FERS, TSP, FEHB, FEGLI — is genuinely one of the best in the country. But the complexity of those benefits meant that most employees were making decisions by default, not by design.
General financial advisors often don't specialize in federal benefits. HR departments can explain what benefits exist, but can't give personalized advice. And the federal government itself provides information, not guidance. The result: employees who worked 20 or 30 years for the government were retiring with less than they should have — sometimes significantly less.
MGF Financial exists to close that gap. Every client gets a thorough review of their specific situation, plain-English explanations of their options, and a clear plan — not a generic one.
How We Work
What You Can Expect from MGF Financial
Federal Benefits First
We don't dabble in federal benefits — it's all we do. That focus means deeper expertise and better outcomes for our clients.
No Pressure, Ever
Our consultations are free and obligation-free. We'll give you honest guidance whether you become a client or not.
Plain-English Explanations
Federal benefits are complex. We make them understandable — no jargon, no confusion, just clear answers to your questions.
Nationwide Service
We work with federal employees across all 50 states, by phone and video call, on your schedule.
Ready to Talk Through Your Benefits?
Schedule a free, no-obligation consultation with Michele and find out exactly where you stand.