TSP rollover analysis. VA disability coordination. Survivor Benefit Plan elections. Military retirement planning. Fee-only fiduciary guidance from an adviser who understands the full military pay and benefits system.
Military retirement is structurally different from civilian retirement — and most advisers don't understand the TSP, BRS, CRDP/CRSC, or SBP well enough to give you real guidance. We do.
Analyze whether to stay in TSP, roll to an IRA, or split — based on expense ratios, Roth conversion opportunity, beneficiary goals, and state tax treatment.
Model total income from military retirement and VA disability — including CRDP, CRSC elections, and federal tax exemption under 26 U.S.C. § 5301.
Model SBP vs. life insurance alternatives for your surviving dependents — a permanent, irrevocable decision that deserves full fiduciary analysis.
For service members under BRS: TSP contribution optimization, continuation pay strategy, and pension vs. lump-sum at separation.
Beneficiary designations, GI Bill transfer planning, and estate structures for military families with complex benefit structures.
No commissions. No conflicts. We are compensated only by you — ensuring our advice is aligned entirely with your interests, not product sales.
A fiduciary adviser who understands the full military benefits system — TSP, VA, SBP, and beyond.
Confidential. Not legal advice. Informational purposes only.
Not always. TSP has very low expense ratios (among the lowest available anywhere), and keeping funds there preserves certain protections. However, IRA rollovers offer more investment flexibility and estate planning options. A fiduciary analysis of your specific situation — income, tax bracket, state residency, and beneficiary goals — is essential before any decision.
VA disability compensation is not subject to federal income tax under 26 U.S.C. § 5301. Military retirement pay that has been offset by VA disability ratings has different treatment under CRDP and CRSC. A fiduciary who understands the military pay system can model your total tax picture.
The Survivor Benefit Plan (SBP) provides an annuity to surviving dependents upon a retiree's death. The election at retirement is permanent and irrevocable. It must be analyzed alongside life insurance alternatives, VA DIC benefits, and your full estate plan — not in isolation. We model every scenario before you make this decision.
Concurrent Retirement and Disability Pay (CRDP) and Combat-Related Special Compensation (CRSC) are two programs that allow eligible veterans to receive both military retirement pay and VA disability compensation. The optimal election depends on your ratings, pay scale, and tax situation — and can change over time. A fiduciary runs the numbers annually.
BRS combines a reduced defined benefit pension (20% pay multiplier after 20 years vs. 25% under legacy) with automatic and matching TSP contributions. For service members under BRS, maximizing TSP contributions and making smart continuation pay decisions are critical levers — we model the full picture.
Your service earned you benefits that most advisers don't understand. A fiduciary who does makes all the difference.
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