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You spent years — maybe decades — protecting this country. And now you're supposed to just figure out TSP rollovers, VA benefits coordination, and FAFSA rules on your own? That doesn't sit right with us. We built this firm for people like you.

One thing that surprises a lot of veteran families: the way your assets are positioned can actually hurt your kids' chances at college financial aid. It's not intuitive, and nobody warns you about it.

"You earned this. Every dollar. Let's make sure it stays in your family."

The FAFSA Problem Nobody Tells You About

Here's how it works: if you've got money in a regular brokerage account, FAFSA counts up to 5.64% of it against your kid's aid eligibility every year. And if you made the mistake of putting some savings in your child's name? They assess that at 20%. For a family with a solid settlement or a well-funded TSP, this can be the difference between a full scholarship and paying sticker price.

But there are ways around it. Completely legal, well-documented ways.

How We Protect Veteran Wealth

We use a handful of strategies that work really well for military families specifically:

  • Max out your retirement accounts first. TSPs, IRAs, 401(k)s — these are invisible to FAFSA. Moving liquid cash into qualified accounts can immediately change your aid picture.
  • Use life insurance the right way. Cash value life insurance doesn't show up on the FAFSA form. For some families, this is a smart way to grow wealth that colleges can't see.
  • Watch the timing on paying off debt. Counterintuitively, paying off your mortgage right before FAFSA year can actually hurt you. We help families get the timing right so your net worth works for you, not against you.
The Invisible Hand of Veteran Wealth Defense Infographic

Fig 1: The 'Invisible Hand' strategy for asset shielding.

New for 2026: The SAO Loophole

Under the updated FAFSA rules, certain veteran benefits and disability payments have new reporting requirements. We've identified a strategic loophole for families with high disability ratings to optimize their 'asset strength' without sacrificing university aid.

Taxes: The 2026 Window Is Still Open

Good news for now: the TCJA didn't sunset at the end of 2025 like everyone expected. That means the higher exemptions are still in play. But nobody knows how long that'll last. If you've been putting off Roth conversions or haven't looked at state-specific tax breaks for military retirees, this is your window. Consider reviewing your options before any policy changes take effect.

The Kind of Planning You Deserve

Whether you're managing a TSP rollover, a VA settlement, or a private investment portfolio, you deserve the same careful, hands-on planning that the wealthiest families in America get. At Sirmium Capital, we bring that to your kitchen table.

Don't let what you've earned slip away because of bad advice or complicated rules. A good plan is the best thing you can do for your family.

Secure Your Veteran Legacy

You spent your career protecting others. Now let's make sure your finances are just as secure. We're a veteran-led team that knows your world.

Sirmium Capital, LLC is a registered investment advisor. This guide is for informational purposes only. FAFSA rules are subject to change by the Department of Education. Consult with a qualified fiduciary and tax professional before implementing any strategy.