Military service members, veterans, and federal employees operate in a unique financial landscape. Between military pensions, the Thrift Savings Plan, VA benefits, TRICARE, and the complexities of frequent relocation, the planning needs are fundamentally different from civilian careers.
At Intentional Living Financial Planning, we work with active duty service members, veterans, and federal employees who need a financial plan that accounts for the benefits, constraints, and opportunities that come with government service. Whether you're stationed at Joint Base San Antonio, working at a federal agency, or transitioning to the private sector, we help you make the most of what you've earned.
Many of our military clients are physicians who served in the military and now practice privately. They carry the complexity of both worlds — military benefits and high-income medical careers — and need a plan that integrates everything.
What We Help Military & Federal Employees With
TSP optimization. The Thrift Savings Plan is one of the best retirement vehicles available, but most service members and federal employees don't use it to its full potential. We help you determine the right contribution level, choose between Roth and traditional TSP, select the appropriate fund allocation, and coordinate TSP with your other retirement accounts for maximum tax efficiency.
Military pension planning. Whether you're under the legacy High-3 system or the Blended Retirement System (BRS), your pension is a significant asset. We help you understand its present value, factor it into your overall retirement plan, evaluate the BRS continuation pay decision, and determine how your pension changes the amount you need to save and invest on your own.
VA benefits coordination. VA disability compensation, VA home loans, GI Bill benefits, and TRICARE are valuable resources that many veterans underutilize or fail to coordinate with their broader financial plan. We help you understand what you're entitled to, how these benefits interact with your tax situation, and how to factor them into your long-term wealth-building strategy.
Transition planning. Moving from military or federal service to the private sector is one of the biggest financial transitions you'll face. We help you navigate the shift — including TSP rollover decisions, changes to health insurance, pension commencement timing, and building a financial plan that bridges the gap between government benefits and civilian compensation.
Planning with fixed and variable income. Military and federal pay includes base pay, BAH, BAS, special pay, and bonuses — some taxable, some not. We help you build a cash flow system that accounts for the full picture, directs money intentionally, and ensures you're maximizing the tax advantages that come with certain types of military compensation.
Real estate investing. Frequent PCS moves create both challenges and opportunities. Many military families accumulate rental properties over the course of a career by converting primary residences. We help you evaluate whether to sell or rent at each move, manage the tax implications of rental income, and build a real estate portfolio that fits your overall financial plan.
High-income planning for post-military careers. Veterans who transition into high-earning civilian careers — medicine, tech, consulting, business ownership — face a new set of financial challenges on top of their existing military benefits. We help you integrate your pension, VA benefits, and TSP with your new income to build a comprehensive plan for the next chapter.
Who This Is For
- Active duty service members planning for the future while still serving
- Veterans transitioning to civilian careers and navigating new financial complexity
- Federal employees optimizing FERS, TSP, and federal benefits
- Military physicians who now practice in the private sector
- Military families building wealth through real estate and long-term investing
Our Services
We provide comprehensive, fee-only financial planning covering every dimension of your financial life — TSP optimization, military pension planning, VA benefits coordination, investment management, tax planning, real estate consulting, transition planning, estate planning, Bitcoin integration, benefits and open enrollment guidance, and coordination with your CPA, estate attorney, and other professional advisors.
Every plan starts with what matters most to you. We follow a framework of Values, Goals, Decisions, and Actions — ensuring your money is aligned with the life you actually want to live.