Veteran Wealth & Legacy Roadmap
Transitioning from military service to civilian financial life requires a completely different playbook. Access the comprehensive roadmap to protect your pension, optimize your TSP, and secure your family's future.
Veteran Wealth Dashboard
Personalize your inputs below and watch your numbers update live — then receive your custom roadmap instantly.
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Complete Module 1 to generate your score
Define Your Military Foundation
Current Status
Primary Financial Focus
Retirement: Explore TSP & FIA Options
A 0% index-crediting floor means a negative index return will not create a negative interest credit for that index period. Contract value may still be affected by withdrawals, surrender charges, rider fees, market value adjustments where applicable, and other contract provisions.
Traditional Market-Exposed Capital
⚠️ Volatile Post-Separation
Protected Private Allocation StrategyDesigned to help protect contract value from direct index losses, subject to withdrawals, fees, surrender charges, contract terms, and the claims-paying ability of the issuing insurance company.
🔒 Asset Principal Insulation
Potential Wealth Protected from Direct Index Losses
Strategic Reality:While in active military service, the TSP is an incredible tool to build your wealth. However, upon separation, leaving that capital fully exposed to sudden market drops risks your entire retirement timeline. True wealth preservation requires shifting your strategy from accumulation to exploring whether reducing direct market exposure may support a more predictable retirement-income strategy.
What matters most for your retirement?
Choose a priority to guide your personal TSP/FIA review.
Insurance: Explore VGLI Costs
🎖️ How VGLI premiums change with age
Choose your age and coverage to compare monthly premiums across age bands.
| Age | Monthly | Increase from now |
|---|---|---|
| 45–49 · Now | $47.50 | — |
| 50–54 | $72.50 | +$25.00 |
| 55–59 | $125.00 | +$77.50 |
| 60–64 | $212.50 | +$165.00 |
| 65–69 | $345.00 | +$297.50 |
| 70–74 | $537.50 | +$490.00 |
| 75–79 | $962.50 | +$915.00 |
| 80+ | $1100.00 | +$1052.50 |
Project Post-Service Transition & Legacy Architecture
20-Year Legacy Strategy Breakdown
Where should we send your customized Wealth Roadmap?
Receive a PDF tailored to your answers above — delivered instantly.
Your results are designed to help identify areas that may deserve further review. They are not a recommendation to purchase, replace, transfer, or surrender any financial or insurance product. Product suitability requires a personal review. Availability depends on licensing, state, carrier, age, health, financial circumstances, and product requirements.
The Three Pillars of Veteran Financial Planning
Pillar 1: Pension & TSP Insulation
Evaluate your Thrift Savings Plan with precision. Understand the difference between a strategic TSP rollover into a Fixed Indexed Annuity (FIA) versus keeping it in government funds — and how one decision can protect hundreds of thousands in principal from market loss.
Pillar 2: VGLI vs. Private Protection
Establish a guaranteed financial shield to protect your household assets and pass down a clean, organized legacy. We help you navigate your military life insurance transition — evaluating VGLI versus Private coverage.
Pillar 3: Estate & Wealth Transfer
Take total ownership of your household legacy. Build a disciplined civilian financial command structure grounded in family responsibility, protection-first principles, and multi-generational wealth transfer.
Meet Sherman "Alex" Watts
Sherman "Alex" Watts
U.S. Army Veteran | Retirement & Legacy Specialist
Founder, Watts Unified Solutions
As a disabled Army veteran, I carry forward the lessons I learned during my service: preparation, discipline, and clear communication matter most when people are depending on you.
I bring those same principles to helping veterans connect their retirement income, family protection, and legacy decisions. At Watts Unified Solutions, we listen first, explain options plainly, and help you take the next step with confidence.
Retirement income and TSP guidance
Life insurance and legacy planning
Personal guidance from a fellow veteran
Take Control of Your Veteran Financial Roadmap
Evaluate your coverage, retirement options, and estate structure with a fellow veteran who understands the military transition.