Whether you’re planning on a second career or just taking it easy for a while, we can help you plan for it. Some clients take a break while their spouse’s career takes priority. Some take the opportunity to finish that college degree they’ve been working on. Others start a new business venture.

Each option raises real questions about cash flow, budgeting, taxes, and retirement savings. Our structured financial planning process helps you sort through the decisions, understand the tradeoffs, and move forward with confidence.

Losing a steady paycheck can make retirement feel uncertain, even with a pension. The  real question is: what does “comfortable" mean for you?

We’ll help you define your comfortable, then build a plan around your income sources, expenses, savings, and goals so you can see what’s realistic and what needs to change.

After a lifetime of service, you might want to take a break. You may want to work again, but you need to know what taking 3, 6, or 12 months off would mean for your family in the short term and the long term.

We can help you plan for different scenarios so you can make your decision about taking time off with confidence.

Some retirees want to work again for purpose, structure, or extra income. Others prefer to slow down or stop working entirely. We can help you understand how your pension, savings, and other income sources work together, and what changes (if any) would be needed to make work optional.

The first few decades of your career were about making the best decisions you could, saving what you could, and taking care of your family. Now you’re in a different phase of life and you want to make sure you’re doing the best you can with your finances going forward.

We’ll talk through an investment strategy, how much to save (and where), and how to balance your goals with day-to-day life so that your plan supports the next chapter.

Many people choose to (and need to) continue saving for their future retirement. How much do you need to save? We’ll help you determine a realistic savings amount based on your goals and timeline.

Then, we’ll choose the right mix of accounts - taxable, tax-deferred, and tax free - to support your goals and create flexibility when you need income.

When you retire from the military, you typically have several options for your TSP. The best choice depends on your individual situation and your goals.

Some people leave their TSP in place, others consider rolling it to an IRA (traditional or Roth), or into a new employer’s retirement plan. We’ll provide education and help you weigh pros and cons so your decision supports your overall plan.

SBP (Survivor Benefit Plan) is an option tied to your military pension. If you elect it, SBP can provide your surviving spouse or dependent with a percentage of your pension if you pass away before they do.

Many people find it very comforting to be able to continue to provide for their family even after they pass, especially because the benefit lasts for the lifetime of the beneficiary and is inflation adjusted which can help protect your loved one from a loss of purchasing power. The decision whether or not to take it is personal and each person’s situation is different. We can help you work through the variables so you can decide if it’s right for you.

Programs like the GI Bill, Hazlewood Act, DEA Chapter 35, and 529 plans can affect cash flow, tax strategy, and how much you need to save for education. We’ll help you coordinate these benefits with your bigger picture so you can use them intentionally.