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Strategic Financial Planning for Transitioning Military & Retirees

Fiduciary Planning for Veterans

Integrate your military pension, VA disability, and TSP balances into a cohesive wealth strategy designed for your post-service life.

The Challenge

The Civilian Transition Requires a New Strategy

Moving from active duty to the civilian sector fundamentally alters your tax situation, income streams, and investment strategy.

Whether you're deciding on the Survivor Benefit Plan (SBP), trying to figure out if you should roll over your Thrift Savings Plan (TSP), or needing to coordinate your military pension with a new civilian 401(k), the complexity increases exponentially upon retirement or separation.

Sirmium Capital provides clear, objective, fee-only advice. We don’t earn commissions off expensive mutual funds or insurance products. We simply help you align the benefits you earned in uniform with your goals in the civilian world.

Veteran Wealth Strategy

  • Thrift Savings Plan (TSP) Rollover Analysis
  • Military Pension Integration (High-3 vs. BRS)
  • VA Disability Tax Coordination
  • Survivor Benefit Plan (SBP) Evaluation
  • Civilian 401(k) / Benefit Coordination
  • GI Bill & Education Funding Strategies

Free Resource

Get Your Free Veterans Retirement & Benefits Guide

The step-by-step guide for your TSP-to-Roth window, the SBP election, VGLI vs. private term, and stacking VA disability with the rest.

Sirmium Capital LLC is a registered investment adviser. Educational purposes only. Not personalized financial advice.

What's Inside:

  • The TSP rollover-vs-stay decision — and the G Fund default that costs $100K+
  • The SBP election — the one-time survivor decision you can't undo
  • CRDP vs. CRSC — concurrent receipt you may be leaving unclaimed
  • VGLI vs. private term — pricing the same coverage both ways

FAQs

Common Military Retirement Questions

Absolutely not. The TSP offers the G-Fund (unique to government plans) and extremely low fees. An IRA gives you vastly more investment choices. We do a side-by-side fee and goal comparison before recommending any rollover. In many cases, it makes sense to leave the money where it is.
A 100% P&T rating, for example, provides a significant, inflation-adjusted, tax-free baseline income. This often allows veterans to take a slightly more aggressive posture with their equity portfolios since their core living expenses are covered by guaranteed government streams.
Sirmium Capital is a fee-only firm. We typically base our fee on a transparent percentage of Assets Under Management (AUM), meaning we sit on the same side of the table as you. If your portfolio grows, we do better. We never receive a commission for selling you an annuity or insurance policy.

Start the Process

Align Your Investments
With Your Service

Book a free discovery call. No obligations. Just straightforward fiduciary advice on your TSP, your pension, and your next chapter.

Book a Free 15-Min Call