Tailored Financial Strategies for Pensacola’s Workforce

Whether you are wrapping up a military career at NAS Pensacola, managing executive benefits at Navy Federal, or relocating to the Gulf Coast to enjoy Florida’s tax advantages, your transition demands specialized planning. We bring 13+ years of fee-only fiduciary expertise directly to Pensacola’s core industries.

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Military Retirees & GS Civilians (NAS Pensacola / Eglin AFB)

• The Challenge: Shifting from active duty or civil service into civilian retirement requires navigating complex choices around your Thrift Savings Plan (TSP) and Survivor Benefit Plan (SBP) without triggering unexpected tax drag.

• Our Solution: We optimize your TSP rollovers into low-cost IRAs, evaluate your SBP election options alongside your military pension, and structure your income streams for maximum long-term tax efficiency.

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Defense & Technology Contractors (Lockheed Martin, Boeing, Leonardo DRS)

• The Challenge: Managing corporate 401(k) plans, executive stock options, and frequent job-change rollovers as you move between defense sector projects.

• Our Solution: We execute direct 401(k)-to-IRA rollovers, conduct Net Unrealized Appreciation (NUA) analyses for company stock, and build personalized investment portfolios aligned with your broader wealth plan.

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Corporate & Healthcare Executives (Navy Federal, Baptist Health, Ascension)

• The Challenge: Separating from major regional employers often involves navigating deferred compensation packages, complex pension payouts, and high-bracket tax implications.

• Our Solution: We provide objective lump-sum vs. lifetime annuity pension evaluations, coordinate non-qualified deferred compensation distribution schedules, and manage your tax brackets aggressively year-over-year.

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