Financial Planning for Lockheed Martin Employees

Planning Around Your Lockheed Martin Benefits

Our team has had the pleasure of working with many Lockheed Martin employees throughout the years. Every employee has unique financial goals, and we draw on our familiarity with Lockheed's retirement plan to help you make informed choices for your future. Our principal, Ed McDonough, is a mechanical engineer by training, so we have a natural affinity for fellow engineers and the way they weigh decisions.

A Lockheed career often pairs a strong income with layered benefits, from the workplace retirement plan to long-term savings decisions that compound over decades. The value of a plan is in connecting those pieces, rather than treating each account on its own.

Is Your Lockheed 401(k) Set Up To Meet Your Goals?

Many Lockheed Martin employees have access to a self-directed 401(k) option, which allows you to invest more broadly than the plan's standard fund menu. A traditional fund lineup can carry internal management costs that quietly reduce what your portfolio keeps over time. A self-directed option can widen your investment selection considerably, which opens the door to lower-cost choices when they fit your plan.

The point is not that one option is always better. It is that the default elections set when you were first hired are rarely the right long-term fit for an entire career. Contribution levels, pre-tax versus Roth choices, old plan rollovers, and fund selection all deserve a periodic, deliberate review.

Widen The Menu Thoughtfully

A self-directed option can expand your choices well beyond the standard plan lineup. More options only help when they are matched to your risk tolerance and timeline.

Mind The Internal Costs

Fund-level expenses compound against you over decades. Where it fits, we favor low-cost ETFs and cost-efficient implementation to keep more of the return working for you.

Coordinate The Whole Picture

Your 401(k) is one part of a larger plan that also includes taxable accounts, taxes, insurance, and retirement timing. We look at how the pieces work together.

How We Help Lockheed Martin Employees

A relationship with our team lets us take on the day-to-day work of managing your retirement strategy, so you can focus on your career and your family.

Active Management Of The Self-Directed Option

Where the self-directed 401(k) option is available and suitable, we can allocate your investments into a model portfolio matched to your risk tolerance, using low-cost ETFs to keep total costs down.

Rollover And Transition Guidance

Changing roles or retiring raises questions about old plan balances. We help you evaluate rollover options and how each choice fits the rest of your plan. 401(k) management.

Retirement Income Planning

We connect your workplace plan with future income needs, Social Security timing, and tax considerations. Retirement planning in Orlando.

Tax-Aware Coordination

Bonuses, raises, and contribution decisions all carry tax implications. We coordinate with tax planning so decisions are made with the full picture in view.

Our Values

Our first priority as your advisor is to place your interests first in the advice we give. We aim to demonstrate that by responding to questions quickly, being available to explain the rationale behind our recommendations, and balancing your goals against your risk tolerance. We commit to a high standard of integrity and reinforce that trust with consistent meetings.

Why Engineers Work With Us

Choosing an advisor is really a decision about whom to trust with your family's future. Our value comes from experience, a research-driven process, and a standard of care that puts your interests first in the advice we give you.

We are an independent Registered Investment Adviser in Orlando, and we have worked with engineers and technically minded professionals for years. That shared language matters when the plan involves employer benefits, equity, and long-term trade-offs.

An Engineer-Trained Founder

Ed McDonough holds a Bachelor of Science in Mechanical Engineering from Lehigh University and worked as a field engineer before his planning career, giving the firm a firsthand feel for how engineers weigh decisions.
Fiduciary Standard Of Care In Our Advice

Our advisory recommendations are made in your best interest, designed around your goals rather than product sales.
Independent And Research-Driven

A disciplined, analytical investment methodology with a focus on long-term planning, low-cost implementation, and tax efficiency. Securities are offered through Osaic Wealth, Inc., Member FINRA/SIPC.
Coordinated, Not Fragmented

Investments, retirement income, tax strategy, and estate coordination are managed together by a team that shares one office and one plan for each client.

Edward A. McDonough, BSME, MBA, CFP^®

Founder / Chief Investment Officer

A Lehigh University mechanical engineering graduate with an MBA in Finance, working with clients and investments since 1987 and founder of the firm in 1999. Focused on helping clients accumulate and preserve wealth with attention to risk tolerance and tax efficiency.

Shannon McDonough, MBA, CFP^®

Wealth Advisor

Leads day to day client planning and specializes in equity compensation plans, forward-looking tax strategies, and retirement income plans. Crummer Graduate School MBA, with CFP^®, Series 7, 63, and 65 registrations.

Build A Plan That Reflects Your Career

If you work at Lockheed Martin, Raytheon, SpaceX, or in another engineering-driven environment, a financial plan built on logic, structure, and long-term thinking can bring clarity to the moving parts. We would welcome a conversation about your goals and how the pieces fit together.

Request A Private Strategy Session Or visit our contact page

Prefer to talk now? Call 407-248-9647

Frequently Asked Questions

What is a self-directed 401(k) option and how does it help?

A self-directed option lets you invest more broadly than the plan's standard fund menu. That wider selection can create room for lower-cost choices, but more options only help when they are matched to your risk tolerance and timeline. We review whether the option is available in your plan and whether it fits your goals before recommending any change.

Can McDonough Capital manage my Lockheed 401(k) for me?

Where the self-directed option is available and suitable, we can take on active management and allocate your investments into a model portfolio matched to your risk tolerance, using low-cost ETFs to keep total costs down. This lets you focus on your career while your retirement strategy is managed with intent.

Do I have to change my investments to work with you?

No. We start by understanding your goals, your current elections, and how your 401(k) fits the rest of your plan. Any recommendation to adjust contributions, fund selection, or the self-directed option follows from that review, and the decision is always yours.

Why does an engineer-led firm matter for Lockheed employees?

Our founder, Ed McDonough, is a mechanical engineering graduate who worked as a field engineer before his planning career. That background gives the firm a firsthand feel for how technically minded professionals weigh trade-offs, which tends to make the planning conversation more useful.

Is this planning only for Lockheed Martin employees?

No. We work with engineers across many employers, including Raytheon, SpaceX, and other engineering-driven companies. You can start with our Financial Planning for Engineers hub or the SpaceX employees page for employer-specific detail.