Military Financial Planning | AAFMAA Wealth Management

Life in the military comes with its own set of financial challenges and opportunities.

As your dedicated military financial planners, you’ll benefit from our commitment to helping you and your family find long-term financial stability so you can stay prepared for every financial milestone, from active duty to retirement and beyond.

You can count on AAFMAA Wealth Management & Trust LLC (AWM&T) for that same level of attention.
We understand you because many of us have stood in your shoes, and have tailored our military financial planning specifically to your lifestyle and values.
As your dedicated military financial planners, you’ll benefit from our commitment to helping you and your family find long-term financial stability so you can stay prepared for every financial milestone, from active duty to retirement and beyond.

So, where do you want to be? Talk it over with our military financial planning team to map the way toward reaching your financial goals. We deeply respect your service, and that’s the reason we’re here — to offer personalized guidance and support that helps you feel as well-prepared financially as you are for every mission.

Financial Planning for Military Families

Who We Serve

AWM&T services are tailored to those who have bravely served and continue to serve in the U.S. military and who have an investment minimum of $100K. Your financial needs are unique and complex, which is exactly why we offer specialized services to support you and your family.

Our services are specifically designed for:

Current and former U.S. military servicemembers with an investment minimum of $100k

Active-Duty MembersPrepare for your future transition out of military service with our strategic financial planning.
Transitioning ServicemembersReceive our top-tier support and smoothly transition to civilian life with a solid financial footing.
VeteransManage your finances and maximize your post-service benefits with our customized guidance.
Military RetireesYour financial needs don’t just stop at retirement — and neither does our advice. Plan for a stable financial future while shaping your legacy with our ongoing investment management services.
Surviving SpousesMaintaining financial independence after the loss of a loved one can be difficult. You’ll receive compassionate, experienced advice at AWM&T to help maintain your independence and effectively manage legacy funds.

How AWM&T Supports You

Military families like yours face unique stresses that can impact your finances, but you don’t have to go it alone.
Your customized AWM&T military financial plan includes:

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

According to the Department of Defense, frequent relocations and deployments are some of the biggest stressors for military families, making financial challenges even tougher. AWM&T’s specialized military financial planners are trained to address these unique challenges.

Comprehensive Military Financial Planning Services

When we say comprehensive, we mean it. As a military family, you face a set of financial circumstances that require specialized knowledge and strategies. Having a trusted military financial planner who understands these challenges is crucial — from navigating complex benefits and pensions to managing relocations and transitioning to civilian life with a solid financial foundation.

Save for college
Plan for retirement
Calculate your net worth
Create a financial plan
Start investing
Manage your investments

No matter what stage of life you’re in, you deserve personalized financial advice. Your dedicated AWM&T Relationship Manager will work with you to create a comprehensive financial plan so you can make smart, confident financial decisions now and into the future.

The Financial Planning Process

A Step-by-Step Guide to Military Financial Planning

Start your financial planning with a foundation conversation with your AWM&T Relationship Manager. This process typically spans three to four meetings and is specifically designed to develop a deep understanding of your needs and goals. It’s structured to equip you with a solid plan to address the unique challenges of military life. Connect with us to see how our strategic approach can help support your financial aspirations throughout every phase of your career — and beyond.

01
Initial Consultation

You’ll discuss your financial situation and goals with your dedicated Relationship Manager. We get to know you, your family, and your finances as we examine your current situation and all your financial goals — both short-term and long-term.
02
In-depth Analysis

Your Relationship Manager consults with AWM&T’s team of financial planners, trust officers, and investment professionals to analyze your information and develop your customized financial plan.
03
Plan Review and Recommendations

You’ll receive our findings and discuss key insights and actionable steps to help you improve your finances.
04
Regular Reviews

After your initial review, you’ll be presented with your final plan and recommendations. From there, you can obtain ongoing support and updates to keep your financial plan evolving with your needs.

Adapting your financial strategies as you transition through different stages of life is as important to us as it is to you. Our military financial planning services are designed to evolve right along with you. By working with a specialized military financial planner, you gain access to tailored strategies that help you manage your military benefits, optimize your investments, and plan effectively for your financial future.

The Benefits of AWM&T

AWM&T is the premier provider of customized financial solutions for military servicemembers, Veterans, and their families. Our extensive experience and deep understanding of military life allow us to offer services that address the unique financial challenges faced by those who serve.

You can expect to receive a unique blend of specialized knowledge, personalized service, and deep respect for the military lifestyle. Our planners understand the complexities of military benefits and pensions and are committed to helping you experience financial security and independence. As your financial partner, you’ll gain attentive, responsive service that always puts your interests first.

The personalized military financial advice you receive will always align with your specific needs, whether you’re actively serving, transitioning to civilian life, or enjoying your retirement. You’ll find value in our unwavering commitment to forging long-term relationships and our continuous support and guidance as your financial needs change.

With AWM&T as your financial professional, you enjoy all the benefits of specialized military wealth management, customized financial planning advice, and a partner ready to exceed even the highest expectations.

Meet The Team

Frequently Asked Questions

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Common Questions

To create a financial plan tailored to you and your goals, we’ll need to get to know you. We ask you to provide your Relationship Manager with your:

Income and expenses
Family life
Current assets and investments
Recent tax returns
Current retirement schedules or projections
Any existing insurance and estate planning documents

Your financial planning consultation begins with you and your Relationship Manager and typically spans three to four meetings. These meetings allow your Relationship Manager to get to know you, your family, and your finances as they review your current situation and short- and long-term goals.

Then, your Relationship Manager consults AWM&T’s team of financial planners, trust officers, and investment professionals to analyze your information and develop your customized financial plan. Once created, our team meets with you to review their initial findings and key insights, including recommendations to improve your finances. After this review, your final plan and recommendations are presented.

The fee for a comprehensive financial plan is $3,500. We provide financial planning services on a “fee-only” basis; there is no obligation or expectation that any plan recommendations be executed through AWM&T or any of its affiliates, although you are free to do so.

We offer a discounted fee for AWM&T investment management clients. We offer a $2,500 Financial Plan for AWM&T investment management clients with AUM below $1,000,000.

Financial Planning is included at no additional cost for AWM&T investment management clients with AUM above $1,000,000.

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

Schedule A Consultation

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: 639 Executive Place, Suite 200, Fayetteville, NC 28305.

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.