Military Financial Planning | AAFMAA Wealth Management

Who We Serve

Guidance Built for Every Stage of Military Life

Your financial decisions evolve as your service does. Our planning is built around where you are today — and where you're headed next.

Active Duty Servicemembers

Plan for milestone transitions, maximize your military benefits, and build a financial foundation that survives the move to civilian life.

Plan My Military Transition

Veterans & Retirees

Maximize your TSP, pension, disability benefits, and Social Security with a strategy built exclusively around your military situation.

Plan Your Retirement

Spouses

Compassionate fiduciary guidance to help you maintain financial independence, manage your legacy, and navigate benefits with confidence.

Get Personalized Guidance

Why AAFMAA Wealth Management & Trust

Fiduciary Wealth Management for Military Families

Chart your course. Build your wealth. Preserve your legacy. You deserve fiduciary financial planning designed for military families that always puts your best interests first.

At AWM&T we are legally required to act in your best interest. No commissions, no proprietary products, no conflicts. That has been our mission since day one.

About AWM&T

Fiduciary Standard

Legally bound to act in your best interest — always. No commissions, no proprietary products, ever.

Military Exclusive

We serve only the military community. Many of our team are Veterans or Military spouses themselves.

Never a Call Center

You will always speak with a personal Relationship Manager who knows your name and your plan.

What We Do

Comprehensive Services for Military Families

Every service we offer is designed around the unique financial realities of military life — from active duty through retirement and legacy planning.

Retirement Income Planning

Maximize your TSP, military pension, VA disability benefits, TRICARE, SBP coverage, and Social Security. We build a retirement income strategy around your specific benefits and timeline.

Explore Retirement Planning

Investment Management

Custom investment portfolios managed with fiduciary care — designed around your risk tolerance, timeline, and your family's long-term financial security.

Explore Investment Management

Legacy & Survivor Planning

Wills, trusts, estate planning, and beneficiary designations — structured to protect your assets and ensure your family is taken care of.

Explore Legacy Planning

How It Works

A Clear, Structured Path Forward

We remove uncertainty by guiding you through a consistent, step-by-step planning process.

Discovery Conversation

We listen. We review your assets, service history, and financial picture to understand where you are and where you want to be.

Personalized Strategy

We design a retirement and wealth plan tailored specifically to your military benefits, goals, and timeline.

Implementation

We coordinate investments, benefits optimization, and documentation with precision — no loose ends.

Ongoing Partnership

Your plan evolves with you. We provide continued guidance and dedicated oversight for the long term.

Get Your Personalized Plan

Member Stories

What Our Members Are Saying

★★★★★

"I have worked with your staff for almost 9 years now and each one of them have been very helpful and answered my questions in a professional manner. I have been pleased with the return on my investments during this time."

Member, AWM&T — Florida Retired Military Spouse · Investment Management

★★★★★

"My team has been very responsive and focused on our priorities. This year, we decided to better consolidate our investments and the AAFMAA team ensured we had the information and process necessary to make that happen. We are comfortable with our team and the financial planning strategy in place."

Member, AWM&T — Pennsylvania Colonel · Investment Management and Financial Planning

★★★★★

"My account has been managed in accordance with my conservative guidance. From this perspective, I am satisfied with AAFMAA operations."

Member, AWM&T — Texas Colonel, Ret. · Investment Management

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These testimonials were given by current clients, not paid promoters. Our clients received no compensation for their comments, which generated no material conflicts of interest with AWM&T.