Financial advisors in Beavercreek

As layers, and the order you turn them on matters. Generally the annuity and any military retired pay form a fixed income floor, which changes how much risk the Thrift Savings Plan needs to carry and how quickly you should draw from it. Add a survivor election, health insurance continuation and, for some retirees, an annuity supplement that ends at a set age, and the result is a sequencing problem rather than an investment problem. We map your specific benefits rather than describing the general case and calling it a plan.

It is a low-cost plan and there is nothing wrong with using it. The question is narrower than good or bad: whether its allocation still fits a household that also holds a pension-like income stream, and whether leaving money there or moving it changes your withdrawal flexibility and your beneficiaries' options later. That is worth deciding deliberately instead of by default.

Detailed benefits work is mostly documents and modeling, and both travel well. We collect your benefit statements and service history securely, build the projection, then walk you through it screen to screen or in person, whichever you prefer. Being near the base matters for your career; it does not particularly matter for the analysis.