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Request InformationThese articles address real questions military retirees and veterans ask us: How much cash should I keep on hand? Is a financial advisor worth the cost? When does it make sense to withdraw from the TSP, and when should I hold? Should I elect the Survivor Benefit Plan or buy life insurance instead? What happens if I don't have a plan for Social Security timing? Read the articles that match your situation.
· 9 min read
Selling TSP funds in a market crash usually turns a paper loss into a permanent one, and the missed rebound can be priced in dollars.
Open the article →· 6 min read
A cash reserve for military retirees should cover the gap between monthly spending and retired pay, usually for 24 months, not total bills.
Open the article →· 8 min read
Most couples do one of two things: they sign whatever the form says, or they assume a cheap term policy can stand in for the pension.
Open the article →· 10 min read
Quick test: keep about 5 years of the withdrawals your pension or SBP annuity doesn't cover in the G Fund, and leave the rest in stock funds you won't touch in a slump.
Open the article →· 9 min read
A financial checklist for military separation runs on deadlines: the SBP election before your retirement date, TRICARE within 90 days, and VGLI within 240 days without health questions.
Open the article →· 7 min read
Usually yes, if the yearly fee costs less than one panic sale would, and for most veterans with $500,000 or more in the TSP and IRAs that is the right test for whether a financial advisor is worth it.
Open the article →· 7 min read
Usually yes, it pays to invest VA disability compensation once high-interest debt is gone, and the Roth IRA comes first because a skipped year can't be made up.
Open the article →· 7 min read
Most TSP withdrawal mistakes come from taking too much in 1 tax year: the plan withholds 20% at once, and Medicare premiums can rise 2 years later.
Open the article →· 8 min read
When the first DFAS Retiree Account Statement arrives, a quick test values each $1 of yearly retired pay at about $20 of bonds, so $36,000 a year counts as roughly $720,000.
Open the article →· 8 min read
Under High-3, each year of service adds 2.5% of your High-3, so 24 years pays 60% against 50% at 20.
Open the article →· 8 min read
If seeing that loss in the first month ($50,000 on $250,000) would push you back to cash, invest over 6 to 12 months on automatic purchases you set up in advance.
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