Military Financial Advisor & Planning for Veterans

Military life comes with unique financial challenges and opportunities.

Military service brings financial decisions civilians never face, and opportunities they don’t have access to. From your TSP allocations to your SBP election, we help you make the choices that last from active duty to retirement and beyond.

You can count on us. We’ve served the military community since 1879, and we bring that experience to every plan and every conversation.
Advisors who have lived military life. Many of us are Veterans, military spouses, or come from military families — and that experience changes how we listen, advise, and plan.
With you for generations. Our plans don’t end at retirement. They extend to your children, your grandchildren, and the legacy you’re building.

Ready to Map Your Own Financial Path? Talk to a military financial advisor, and let’s build the plan together.

What’s Included in Your Military Financial Plan?

You don’t have to navigate military finances alone. Every plan we build is shaped around your situation and includes:

Net worth calculation
Cash flow analysis
Education funding considerations
Retirement planning
Estate planning considerations
Insurance analysis
Trust administration
Complimentary financial dashboard

Plan for What Matters Most

A military financial plan is the foundation for the goals that matter most to you. A dedicated military financial advisor can help you:

Save for college
Plan for retirement
Calculate your net worth
Create a financial plan
Plan around your military benefits
Start and manage your investments

No matter where you are in your service, we work with you to build a plan that helps you make smart, confident financial decisions now and into the future.

Our Financial Planning Process

The process typically takes three to four meetings designed to develop a deep understanding of your needs and goals, and equip you with a solid plan to address the unique challenges of military life.

01 Initial Consultation
02 In-depth Analysis
03 Plan Review and Recommendations
04 Regular Reviews

What Sets AWM&T Apart

You deserve a financial advisor who always puts your interests first. As a fiduciary, that’s not just our promise, it’s our legal obligation, on every recommendation, every time. And because we’re fee-only, we never earn commissions on products, so the guidance you receive is always shaped by your goals, never by what sells.

You’ll also have an entire team behind you. Our financial planners, trust officers, and investment professionals work together on your behalf so that, whatever your needs, the right guidance is always close at hand and always focused on the community we’re honored to serve: yours.

Active-Duty Members

Build a strong financial foundation during your service. We help you make the most of your TSP, manage deployment income, and prepare for everything that comes next.

Transitioning Servicemembers

Translate your military benefits, your pension, and your TSP into a confident financial start to civilian life.

Veterans

Make the most of your VA benefits, coordinate them with your retirement savings, and build long-term wealth on your own terms.

Military Retirees

Your pension is just the start. We help you coordinate your SBP, VA benefits, and savings into a retirement that supports the life you’ve earned.

Surviving Spouses

Navigate the financial decisions that follow loss with compassionate, experienced guidance. We help you maintain your independence and manage the funds your loved one left for you.

Frequently Asked Questions

Retirement Calculator

Plan for a secure retirement or manage funds during retirement to meet goals and live comfortably.

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Investment Calculator

Evaluate your investments—and their income earning potential—so you can properly plan your future.

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Frequently Asked Questions About Military Financial Planning

To build a plan tailored to you, we ask for income and expenses, family information, current assets and investments, recent tax returns, current retirement projections, and any existing insurance and estate planning documents. Most of this can be gathered between the initial consultation and the in-depth analysis meeting.

No, the financial plan is fee-only, and there is no obligation to execute the plan through AWM&T or its affiliates. You are welcome to take your written plan elsewhere, manage the assets yourself, or work with AWM&T’s investment management team if the fit is right.

A military financial advisor models retired pay as the inflation-adjusted income stream it is, plans around SBP elections, accounts for the Combat Zone Tax Exclusion, sequences withdrawals around VA disability income, and coordinates with the TSP’s distribution rules. A civilian advisor can learn this; a military financial advisor already knows it.

Yes, and we encourage it. Many military households have a spouse who leads the financial decisions, and joint meetings are the norm. One-on-one meetings with the spouse are also standard, particularly around survivor planning.

For investment management clients, formal reviews happen annually with check-ins as needed. Your relationship manager is reachable on your timeline — life changes, deployments, and PCS moves don’t wait for the calendar.

Yes, AWM&T is a North Carolina chartered trust company bound by fiduciary duty. We act as a fiduciary on every dollar we manage and every plan we build.

Tools & Education

Net worth is the value of a person’s assets minus the liabilities they owe.

Cash flow is the movement of money in and out of an individual’s accounts.

An insurance analysis is an assessment of an individual’s financial situation to determine the risk an individual is able to assume to buy the correct amount of insurance coverage.

Education funding is the process of calculating the costs of education for an individual or multiple individuals and subsequently charting a plan of action to save funds.

Retirement planning is the process of determining retirement income goals and creating a plan of action to achieve those goals over an extended period of time.

Estate planning is the process of making plans to transfer an individual’s estate—cash, property, and possessions—after their death.

Get Started with Your Military Financial Plan

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Financial Planning, Investment Management, and Trust Services provided by AAFMAA Wealth Management & Trust, a North Carolina Limited Liability Company wholly owned by AAFMAA. Physical address: 2501 Bragg Boulevard, PMB 167, Fayetteville, NC, 28303.

Information provided by AAFMAA Wealth Management & Trust LLC is not intended to be tax or legal advice, and we encourage you to seek guidance from your tax and legal advisors. Past performance does not guarantee future results. Investments are not FDIC or SIPC insured, are not deposits, nor are they insured by, issued by, or guaranteed by obligations of any government agency or any bank, and they involve risk including possible loss of principal.