Strategic Financial Planning for Transitioning Military & Retirees

Fiduciary Planning for Veterans

Integrate your military pension, VA disability, and TSP balances into a cohesive wealth strategy designed for your post-service life.

The Challenge

The Civilian Transition Requires a New Strategy

Moving from active duty to the civilian sector fundamentally alters your tax situation, income streams, and investment strategy.

Whether you're deciding on the Survivor Benefit Plan (SBP), trying to figure out if you should roll over your Thrift Savings Plan (TSP), or needing to coordinate your military pension with a new civilian 401(k), the complexity increases exponentially upon retirement or separation.

Sirmium Capital provides clear, objective, fee-only advice. We don’t earn commissions off expensive mutual funds or insurance products. We simply help you align the benefits you earned in uniform with your goals in the civilian world.

Veteran Wealth Strategy

Thrift Savings Plan (TSP) Rollover Analysis
Military Pension Integration (High-3 vs. BRS)
VA Disability Tax Coordination
Survivor Benefit Plan (SBP) Evaluation
Civilian 401(k) / Benefit Coordination
GI Bill & Education Funding Strategies

Our Approach

Your Benefits.
Your Future.

VA Disability & Taxes

VA disability compensation is tax-free. We factor this unique non-taxable stream into your broader portfolio to optimize your overall tax bracket and withdrawal strategies.

TSP vs. IRA Rollover

The TSP is one of the lowest-cost retirement plans available. We provide an objective analysis of whether leaving your funds in the TSP or bringing them to an IRA makes mathematical sense for your specific goals.

Pension & SBP

Your military pension acts as the fixed-income core of your retirement. We analyze SBP costs versus private life insurance alternatives to protect your family's future.

Free Resources

Get the Veteran Wealth Defense Blueprint

An essential guide on TSP rollover execution, navigating military pensions, and optimizing VA disability tax benefits.

What's Inside:

Tax mitigation strategies specific to your community.
Common pitfalls that deplete capital prematurely.
Step-by-step instructions on securing your long-term independence.

FAQs

Common Military Retirement Questions

Absolutely not. The TSP offers the G-Fund (unique to government plans) and extremely low fees. An IRA gives you vastly more investment choices. We do a side-by-side fee and goal comparison before recommending any rollover. In many cases, it makes sense to leave the money where it is.

A 100% P&T rating, for example, provides a significant, inflation-adjusted, tax-free baseline income. This often allows veterans to take a slightly more aggressive posture with their equity portfolios since their core living expenses are covered by guaranteed government streams.

Sirmium Capital is a fee-only firm. We typically base our fee on a transparent percentage of Assets Under Management (AUM), meaning we sit on the same side of the table as you. If your portfolio grows, we do better. We never receive a commission for selling you an annuity or insurance policy.

Start the Process

Align Your Investments
With Your Service

Book a free discovery call. No obligations. Just straightforward fiduciary advice on your TSP, your pension, and your next chapter.

Book a Free Discovery Call