facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause

Blog

The blog section provides a real look into how to solve your military financial questions and demonstrates how our services can help you.  Common topics include job changes, marriage, first child, retirement, PCS, TSP, BRS and other military financial topics.  The military lifestyle is confusing enough, adding complex financial planning topics to the mix can become overwhelming.  Finding an advisor who has your best interests in mind is difficult, so is trying to figure out how that advisor is being paid and whether or not they are earning that fee.  I believe in fee transparency and always acting in the fiduciary interest of my clients.  We work directly with you and your unique situations providing services tailored to your individual needs.  

Understanding Your Payment Options for Federal Student Loans

Paying for college can be challenging, and many students rely on federal student loans to make obtaining a degree possible. However, repayment can be a daunting task, particularly for those who have just graduated and are still struggling to find employment. Luckily, there are payment options available to you when it comes to repaying your federal student loans. In this blog, we'll explore your payment options, including income-based repayment and public service loan forgiveness, and provide guidance on what to do if you can't afford to pay.

Read More

Understanding the Ins and Outs of Federal Group Life Insurance

Life insurance is a crucial aspect of financial planning, especially if you're the sole breadwinner or if you have a family to care for. If you're a federal employee seeking life insurance coverage, one option you may want to consider is the Federal Group Life Insurance (FEGLI) program.

Read More

SGLI and VGLI

Service-Members and Veterans have had access to life insurance policies for many years providing security and protection for their families. These policies are designed to support the family in the event of an unexpected death and can be tailored to meet unique needs. Premiums are often much lower than those available on the open market, allowing Service-Members and Veterans to benefit from substantial savings.

Read More

FERS Retirement Checklist at 1,3,5 and 10 years before retirement.

Retirement is an exciting time in your life, but it can also be a daunting experience if you’re not prepared. When it comes to retirement under the Federal Employees Retirement System (FERS), there are specific steps you should take at various points in your career to ensure that you’re ready when the time comes.

Read More

3 ways to avoid Required Minimum Distributions.

Required minimum distributions (RMDs) are mandatory withdrawals from retirement accounts once you reach the age of 72. It is important to understand all aspects of RMDs in order to ensure that you comply with the law and avoid costly penalties.

Read More

Thrift Savings Plan’s 3 best Advantages.

When it comes to saving for retirement, it’s essential to make wise investment decisions to grow your wealth and secure your financial future. The Thrift Savings Plan (TSP), a retirement savings plan for federal civilian employees and military members, offers a variety of investment options to help you build your retirement nest egg. In this blog, we will explore the benefits of investing in the TSP recognizing its 3 biggest advantages.

Read More

Advice Only Financial Planning Demystified.

Advice-only financial planning is a new model of financial planning that is gaining popularity as people seek more affordable and unbiased advice. This type of planning is designed to provide clients with recommendations on how to manage their finances without the need to act on them. In this blog post, we'll delve deeper into what advice only financial planning is, how it works, and why you should consider it.

Read More

What is the Survivor Benefit Plan?

In the military when the military member dies during retirement the stream of retirement income that military member receives stops. This sudden stop of income can mean an extreme change of financial living circumstances. The Survivor Benefit Plan (SBP) is an insurance plan that will pay a surviving spouse and possibly dependents a monthly payment. This payment is known as an “Annuity” and results in monthly payments to the spouse in most cases until their death.

Read More

Retirement Strategy: Money & Longevity

Retirement strategy represents a big part of your overall financial plan. Factoring in longevity is a big part of that. The longeivity factor continues to grow as life times get longer and longer. Resulting in having to plan for a much longer retirement period than in the past.

Read More

The Blended Retirement system.

The Blended Retirement system is the new military retirement system. It has added the Thrift Savings plan and modified the traditional military pension. It also includes continuation pay and lump sum retirement payment options.

Read More

How do I compute depreciation on a rental property?

Investing in rental property can prove to be a smart financial move. For starters, a rental property can provide a steady source of income while you build equity in the property as it (ideally) appreciates over time. There are also several tax benefits. You can often deduct your rental expenses from any rental income you earn, thereby lowering your overall tax liability. Real estate depreciation is an important tool for rental property owners. It allows you to deduct the costs from your taxes of buying and improving a property over its useful life, and thus lowers your taxable income in the process.

Read More