Joshua Brooks, CFP® — Army veteran and Reserve Chaplain — helping senior leaders coordinate SBP, TSP, and the civilian transition, in the right order.
The Decision Triangle℠ — SBP, TSP, and civilian compensation — plus VA benefits and healthcare elections, all on a deadline.
Elections and tax windows stack up in the final 180 days before retirement and the first two tax years after. Mis-sequencing is expensive and hard to unwind.
Missed windows can reduce after-tax survivor income, increase lifetime taxes, and lock in coverage you don’t need.
Officer-to-officer planning. Fee-only fiduciary. Process first.
A 15-minute call to map your timeline and surface your top gaps.
A 60-minute working session produces a one-page Mission Map of your decisions, in order.
Command Transition Anchor or First 36 Execution — or run the Mission Map yourself.
Decision tools you can take into the room with your HR office, CPA, and counsel.
When the election window opens and closes — and what to model before you sign.
The seven factors that decide whether to leave, roll, or convert your TSP.
One page: SBP decision, healthcare elections, Roth windows, and offer timing — sequenced.
Coordinate SBP with survivor taxes, VA interaction, and COLA assumptions — so your spouse’s after-tax income is clear before you elect.
Sequence TSP and Roth moves across the first two tax years to fit your new compensation and pension start.
Evaluate first civilian offers — base, bonus, equity, healthcare — against pension, VA, and Roth windows, so you accept eyes-wide-open.
If you want a structured, fiduciary decision process, you’re in the right place.
“I’ve stood in the transition you’re facing. I built a decision process so you don’t have to navigate SBP, TSP, and your first civilian offer alone.”
A commander elected SBP after modeling survivor taxes and VA interaction — and avoided duplicate private coverage.
A senior NCO kept TSP in-plan and added Roth conversions in Year 1 before civilian comp began — aligning offer healthcare with a spouse’s benefits.
Illustrative, anonymized scenarios for educational purposes — not testimonials, recommendations, or performance results.
If we don’t give you three specific next actions tied to your timeline, we’ll send our SBP, TSP, and Civilian Compensation Decision Briefs at no cost — yours to keep.
Get your next three actions now.
P.S. Within 180 days of retirement? Ask for the SBP timing flowchart on your call — it’ll save you hours.
