Padua Insurance Agency, LLC · License #L124739Career transition
Coordinate TSP choices with a new employer plan and near-term cash needs.
Retirement tax intelligence for real life
A clear plan for the money you worked a lifetime to build.
Before you move a TSP or 401(k), claim Social Security, buy an annuity, or choose life insurance, understand how the pieces affect one another.
First 15 minutes are complimentary. No product recommendation comes before the analysis.
Guidance available inFL · TX · GA · CA
40+ yearsTax and business experience
Analyze firstTaxes, income, beneficiaries, and risk
Explain clearlyPlain English before paperwork
Recommend responsiblyOnly solutions that fit the facts
Retirement account transitions
Leaving a job, retiring from service, or consolidating old accounts?
A move involving a 401(k), TSP, 403(b), or IRA can affect taxes, access to money, investment choices, beneficiary planning, and future income. We help you compare the choices before you sign anything.
- Keep assets in the current plan when permitted
- Move to a new employer plan if accepted
- Transfer to an IRA for different control or choices
- Take a distribution and understand the tax consequences
A transfer is not automatically the right answer. Fees, protections, withdrawal rules, investment options, and tax effects must be compared.
Transition review
Five questions we answer together
- 01What accounts and benefits do you already have?
- 02When will you need income—and how much?
- 03What taxes could the move create now or later?
- 04What guarantees, flexibility, and costs matter?
- 05How should beneficiaries and your spouse be protected?
For military and federal families
Your TSP is only one part of the transition.
Military retirement, a new civilian salary, a spouse’s income, VA benefits, Social Security, and future RMDs can stack together. We organize the whole picture before discussing a TSP transfer.
Income stacking
See how pensions, wages, benefits, and future withdrawals may interact.
Family readiness
Review survivor needs, beneficiaries, life coverage, and access to funds.
Padua Financial Services and Padua Insurance Agency are not affiliated with, endorsed by, or sponsored by the Federal Retirement Thrift Investment Board, the U.S. government, or any military branch.
Events & seminars
Live education for military and law-enforcement families.
Join the priority invitation list for upcoming Google Meet, in-person, and hybrid sessions covering TSP decisions, pensions, deferred compensation, taxes, survivor protection, and career transitions.
Insurance solutions—after the analysis
Protection and income tools with a defined purpose
We explain what a product can do, what it cannot do, what it costs, and what could change.
Indexed Universal Life (IUL)
Permanent life insurance with cash-value potential tied in part to an index-crediting method—not direct market investment.
- Death-benefit planning
- Premium and policy-charge review
- Loan and withdrawal impact
- Illustration stress testing
Fixed & Indexed Annuities
Insurance contracts designed for accumulation, principal protection features, or an income strategy.
- Crediting terms and caps
- Surrender period and liquidity
- Optional income benefits
- Carrier strength and guarantees
Medicare Guidance
Compare coverage around doctors, prescriptions, travel, out-of-pocket exposure, and budget.
- Medicare Advantage
- Medicare Supplement
- Prescription review
- Turning-65 planning
Padua Financial Services
Tax planning—not tax-season surprises.
After four decades in tax and business work, Gil Padua now focuses on forward-looking advisory and retirement-tax planning rather than annual return preparation.
Retirement tax analysisRMDs, Social Security, distributions, and income stacking
Business advisoryEntity, cash-flow, compensation, and transition questions
Real-estate analysisRental activity, disposition questions, and investor decisions
Decision supportPlain-English comparisons before major financial moves
Advisory fee: $285 per hour. The first 15 minutes are complimentary; meetings under 15 minutes are not charged. The fee may be credited toward planning work and may be waived when qualifying insurance is placed, where permitted.
Our approach
Advice should follow the facts.
Listen
We start with your goals, family, accounts, timing, and concerns.
Analyze
We identify tax conflicts, income gaps, protection needs, and unanswered questions.
Compare
We show reasonable alternatives, tradeoffs, costs, and risks.
Act
You choose whether and when to proceed. No pressure and no automatic transfer.
Your licensed team
Experience, education, and personal guidance
Gilberto “Gil” Padua
Florida, Texas, and Georgia Agent
More than 40 years of tax, business, and client-service experience focused on retirement, protection, and legacy decisions.
- Florida License #A198764
- Texas License #1660821
- Georgia License #3482440
Frances J. Padron
California Agent
Serving California clients with clear, welcoming guidance for life insurance and retirement-income conversations.
- California License #4581294
“You should understand the decision before you are asked to make it.” — Gil Padua
Begin with a conversation
Tell us what decision is in front of you.
Choose the topic and your state. We will route your request to the appropriate licensed professional.
Important disclosures
This website provides general educational information and is not individualized tax, legal, or investment advice. Consult the appropriate professional regarding your circumstances.
Insurance and annuity guarantees depend on the claims-paying ability of the issuing insurer. Products may include charges, surrender periods, limitations, exclusions, and tax consequences.
Indexed universal life is life insurance, not a direct investment in a market index. Policy loans and withdrawals may reduce cash value and death benefits and may cause lapse or tax consequences.
We do not offer variable insurance products. Product availability, features, carrier appointments, and producer licensing vary by state.
We do not offer every Medicare plan available in every area. Information provided is limited to plans represented. Contact Medicare.gov or 1-800-MEDICARE for all options.
Nothing on this site guarantees future performance, tax savings, income, or suitability. A complete review is required before any recommendation.