Financial advisors can score points with clients when their investment advice hits pay dirt. But advisors across the country who cater to federal employees and federal contractors are scoring points another way by helping clients have enough emergency funds on hand to weather the federal government shutdown.

“With (my) emphasis on saving, I am not getting freaked-out clients calling me,” said Claire Emory, owner of Clarity Financial Planning in Arlington, Va.

Carolyn Gedelman, who counts numerous service men and women as clients at her Austin, Texas-based firm, First Command Financial Services, credits her own, her company’s and the military’s commitment to readiness as the main reason she has not received panic calls during the shutdown.

Gedelman says First Command advices clients to save 5 percent of gross pay for emergency needs, 5 percent for life insurance and around 10 percent for long-term goals.

John Williams, an Edward Jones advisor near the government nuclear research laboratory in Los Alamos, N.M., says clients unnerved by the shutdown have asked him if they should sell all their stocks and bonds and sit on cash. He says his investment advice to clients has been to stay the course.

Matt Hoesly of Resource 1 in Norfolk, Va., says he has received a lot of calls about taking 401K loan and hardship withdrawals. “It’s not the best place to get money,” he says, adding that he advises folks who need cash to dip into their emergency savings.

Pushing for rainy day funds is one of the most vital services and advisor can provide, says David Armstrong, managing director at Monument Wealth Management in Alexandria, Va.