🪖 Operation: Legacy Lock – Securing Your Family’s Financial Perimeter

Leaving the Army means shifting your mission. Your main objective now? Protecting your family’s future.

To lock down their security, you can't just rely on standard transition briefs. You need a tactical wealth strategy that combines your military benefits with smart private assets.

Here is your 5-step checklist to secure the perimeter:

• The SBP vs. Private Insurance Recon: The Army’s Survivor Benefit Plan (SBP) takes $6.5\%$ of your pension to protect your spouse. The pivot: If you are in good health, a private life insurance policy can often give your family a much bigger payout for less monthly cost. Check both options before locking it in.

• The SGLI/VGLI Safety Net: Your SGLI drops 120 days after your exit. You have 240 days to convert to VGLI with zero medical exams. The strategy: Use VGLI as a guaranteed fallback if you have heavy service-connected injuries, but shop private insurance first to secure lower, fixed rates.

• Build a "Bridge Fund" for Cash Flow Ops: The gap between your final active-duty check and civilian corporate pay can be a grind. Build a high-yield "bridge account" to fund your relocation, corporate gear, or business startup costs so you never have to raid your TSP or retirement accounts early.

• Deploy a Solo 401(k) for Business Startups: Planning to consult, contract, or launch your own veteran-owned business? Setting up a Solo 401(k) or SEP-IRA lets you shield massive chunks of your business revenue from taxes while aggressively accelerating your retirement timeline.

• Secure Your Business with a Buy-Sell Plan: If you are partnering with fellow veterans to start a company, you need a contingency plan. A Buy-Sell Agreement funded by life insurance ensures that if a partner passes away, the payout buys out their share seamlessly—keeping the company running and ensuring their family is taken care of.

💡 The Bottom Line: The military always has a backup plan for logistics and personnel. Your family deserves that same level of tactical protection for their financial future.

Ready to Build Your Strategy?

Let's see how your specific military benefits stack up against private wealth options.