Financial planning for military and civil service members requires a deep understanding of the unique challenges and opportunities that come with serving the country. Our advisors, many of whom grew up in military families, possess firsthand insight into these specific financial needs. This personal experience, combined with professional expertise, allows us to offer tailored financial strategies that honor the dedication and sacrifice of service members and their families.
Our services include:
Managing both taxable and nontaxable income is a crucial aspect of financial planning for military and civil service members. We’ll help you navigate allowances, special pay, and other benefits to help ensure you’re making the most of your income. Additionally, we provide guidance on maximizing the benefits of nontaxable income streams, such as Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS), to enhance your overall financial well-being.
The Thrift Savings Plan is a critical component of retirement savings for military and civil service members. We provide comprehensive advice on TSP contributions, asset allocation, and the benefits of traditional vs. Roth TSP options. As you approach retirement, we assist with TSP rollovers, helping you make informed decisions about how to manage your savings for long-term growth potential and income security.
Military and civil service members have access to unique insurance options, including Servicemembers' Group Life Insurance (SGLI) and Federal Employees' Group Life Insurance (FEGLI). We help you evaluate these options, as well as explore additional life insurance policies that offer flexibility and cost-effectiveness. Our goal is to ensure that you and your family are protected against unforeseen circumstances, both during and after your service.
Navigating the various retirement benefits available to military and civil service members can be complex. We provide expert guidance on pension plans, including the Blended Retirement System (BRS) for military personnel and the Federal Employees Retirement System (FERS) for civil servants. We’ll help you understand how to maximize your benefits, when to begin receiving payouts, and how to integrate your military or civil service pension with other retirement income sources.
Service members and civil servants often face unique tax situations, such as exemptions for combat pay or state-specific tax rules. We collaborate with tax professionals to develop strategies that minimize your tax burden, with the goal of ensuring you take full advantage of all available deductions and credits. This includes planning for the impact of deployments, relocations, and other service-related factors on your tax situation.
*United Planners’ representatives do not provide tax or legal services.
We assist you in making the most of education benefits available through the GI Bill and other programs. Whether you’re planning to further your education or setting up education funds for your children, we provide guidance on how to maximize these resources and integrate them into your overall financial plan.
Estate planning is essential for ensuring that your assets are distributed according to your wishes and that your family is taken care of in the event of your passing. We help you develop a comprehensive estate plan that includes wills, trusts, powers of attorney, and healthcare directives, with a particular focus on the needs of military and civil service families.
Frequent moves and deployments are a reality for many military families. We offer financial planning services that help you prepare for the financial implications of Permanent Change of Station (PCS) moves, including housing decisions, cost-of-living adjustments, and budgeting for unexpected expenses. We also provide guidance on managing your finances during deployments, helping ensure that your family remains financially secure while you’re away.
- Our expertise
Personalized strategies for a comfortable and enjoyable retirement
Strategic, tax-efficient investment strategies with forward-thinking insight
Protect your future with life, disability, and long-term care insurance
