Military Personnel
(Army, Marine Corps, Navy, Air Force, Space Force,
Coast Guard - Active and Veteran)


Why Military Personnel Struggle with Retirement

Military personnel dedicate their lives to serving our country, often facing unique challenges that impact their financial futures. In the United States, many service members face complexities when it comes to retirement planning. A common misconception is that their military pension alone will provide a comfortable retirement. While pensions offer a foundation, they frequently fall short of covering all retirement expenses, especially with the added complexities of transitioning to civilian life. Additionally, the intricacies of supplemental retirement plans like the Thrift Savings Plan (TSP) and other investment options can be overwhelming. With numerous options available, service members often struggle to determine which plan best aligns with their individual needs and long-term financial goals. This lack of clear guidance and personalized support leads to missed opportunities and unnecessary financial stress. At Retirement Educators, we understand these challenges and are committed to empowering military personnel to achieve a secure and fulfilling retirement.

How We Help Military Personnel

We believe in a comprehensive and personalized approach to retirement planning for military personnel. Our goal is to provide clarity, confidence, and actionable solutions. We begin by thoroughly understanding your unique financial situation, including your military pension, TSP, and any potential transition plans. We then work with you to identify any potential gaps in your retirement income and develop a tailored plan to supplement your military benefits. We simplify the complexities of the TSP, SBP, and other supplemental plans, helping you navigate the options and choose the most suitable and affordable solutions. We are committed to providing ongoing support and guidance, ensuring you stay on track to achieve your retirement goals. Our approach extends beyond the individual service member, encompassing the entire family to ensure holistic financial well-being.

Our Process

One-on-One Consultation:

  • We begin by meeting with you to discuss your current financial situation, military benefits, retirement goals, and concerns.
  • We provide a clear and detailed explanation of your military pension, TSP, and other relevant benefits, including how they work and their limitations.


Personalized Retirement Plan Development:

  • Based on your individual needs and military benefits, we create a customized retirement plan to supplement your pension and bridge any potential income gaps.


Plan Comparison and Selection:

  • We compare multiple TSP options, SBP choices, and other supplemental plans, presenting you with clear and concise information to help you make informed decisions.
  • We assist in implementing the 3 phases of money: growing money, protecting money through indexed strategies, and utilizing tax-advantaged wealth accumulation strategies.
  • We ensure the plans are affordable and suitable to your needs.


Implementation:

  • Our licensed financial professionals and educators assist you in implementing the chosen retirement plan, ensuring a smooth and efficient process.


Lifetime Assistance and Annual Reviews:

  • We build a long-term relationship to guide all our clients through the 6 Steps to Financial Independence:
      • Increase Cash Flow (Earn additional income, manage expenses)
      • Have Proper Protection (Protect against loss of income, protect family assets)
      • Build and Save 3-6 Months’ Income (Prepare for unexpected expenses)
      • Build Wealth (Strive to outpace inflation & reduce taxes, professional money management)
      • Debt Management (Consolidate debt, strive to eliminate debt)
      • Preserve Wealth (Reduce taxation, build a family legacy)
  • We provide ongoing support and conduct annual reviews to monitor your progress and make necessary adjustments to your plan.
  • We also offer comprehensive financial guidance for your spouse, children, and other family members, ensuring a holistic approach to your financial well-being.

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