The plan has to hold when one of you is gone.
SBP, DIC, life insurance, and estate — sequenced so a spouse or survivor isn't piecing it together in the worst week of their life.
Specific situations we plan against
SBP elect, decline, or supplement
When 6.5% of pension is the right premium — and when commercial term beats it.
DIC coordination
How VA Dependency & Indemnity Compensation interacts with SBP after the 'widow's tax' repeal.
Single-income contingency
Cash flow plan if the servicemember's pay stops tomorrow — bridged for 12+ months.
Survivor's first 90 days
Pre-built checklist: notifications, benefits, accounts, and who to call in what order.
Children's education runway
Post-9/11 GI Bill transfer, Fry Scholarship, and 529 stacking.
Estate documents that actually work
Will, POA, healthcare directive, and beneficiary alignment across all accounts.
Run this before you act
A short field checklist tied to this segment. We work through each item with you.
- 01Decide SBP election before 1st anniversary of retirement — in writing, with spouse.
- 02Confirm beneficiaries on TSP, SGLI/VGLI, IRAs, and bank accounts match the estate plan.
- 03Hold a 'one-binder' session: where everything lives and how to access it.
- 04Quote commercial term insurance to compare against SBP premium cost.
- 05Build a 12-month survivor cash flow scenario and stress-test it.
- 06Update wills and POAs after any PCS, child, or status change.
Schedule Your Threat Recon
30-minute call. We map your current perimeter and identify the top three vulnerabilities.
Begin Recon