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. SBP can be difficult to change after election; TSP, tax, and compensation choices shape your later flexibility.
Elections and tax windows stack up in the final 180 days before retirement and the first two tax years after. Mis-sequencing can be expensive and hard to unwind.
Missed windows can reduce after-tax survivor income, increase lifetime taxes, or leave you carrying coverage you don’t need.
Officer-to-officer planning. Fee-only fiduciary. Process first.
A free 30-minute conversation to map your timeline and surface your top gaps.
The Tactical Financial Assessment — a one-time $750 engagement — produces a one-page Mission Map of your decisions, in order.
Continue with Monthly Financial Planning or Wealth Management — or run your 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.
We also work with other actively serving members, veterans, and military families when their planning needs and the firm’s capabilities are a strong fit.
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.”
The conversation is designed to identify the decision windows ahead, surface the most important coordination gaps, and clarify whether another step would be useful.
A free 30-minute conversation. Spouses welcome.
P.S. Within 180 days of retirement? Ask for the SBP timing flowchart on your call — it may help you prepare for the decision.
