Sirmium Capital
Plain answers about fee-only fiduciary planning for 9/11 families, first responders, veterans, and healthcare professionals.
Sirmium Capital is a fee-only, registered investment advisory firm built for 9/11 families, FDNY, NYPD, veterans, nurses, NPs & PAs, and physicians. We provide disciplined, research-driven financial planning and investment guidance — with no commissions and no product sales.
As a fee-only fiduciary, we are paid only by you — never by commissions or product sponsors — and we are legally obligated to act in your best interest at all times. That removes the conflicts of interest baked into commission-based “advisors.”
We specialize in people who served: 9/11 families navigating VCF and USVSST awards, FDNY and NYPD members planning their pensions and 457(b), veterans coordinating military retirement and VA benefits, and healthcare professionals (nurses, NPs/PAs, physicians) with complex income and student-debt decisions.
Don’t rush. Park the funds somewhere safe, and before spending or investing, have a CPA document how your award breaks down — because physical-injury compensation is generally tax-free, but interest and punitive portions are generally taxable. Our free USVSST guide walks through the full checklist.
Rolling your 457(b) into an IRA. A governmental 457(b) lets you withdraw with no early-withdrawal penalty once you separate from service — even in your 40s. Roll it into an IRA and that penalty-free access disappears until age 59½. Decide carefully before you sign any rollover paperwork.
Yes. We help veterans with the one-time Survivor Benefit Plan (SBP) election, Roth vs. traditional TSP, and concurrent receipt (CRDP vs. CRSC) — decisions that are easy to get wrong and nearly impossible to undo.
For nurses at public hospitals, it’s often the ability to fund both a 403(b) and a 457(b) — nearly doubling your tax-advantaged savings. For physicians, it’s own-occupation disability insurance and the mega-backdoor Roth. Our niche guides cover each.
Through transparent advisory fees paid directly by our clients. We earn no commissions and sell no insurance or investment products, so our only incentive is your outcome.
No. We offer financial planning and guidance as well as ongoing investment management — you choose the level of help that fits. Many clients start with a focused engagement around one decision: a rollover, an award, or a retirement date.
Schedule a free, no-pressure consultation — we’ll talk through your situation and whether we’re the right fit, with no obligation. You can also download the free guide for your situation and we’ll follow up by email.
Sirmium Capital LLC is a registered investment adviser. This page is for general educational purposes only and is not tax, legal, or investment advice.