Navarre is a community shaped by military service, steady careers, and deliberate choices. Families here tend to be disciplined savers with complex benefit structures, growing real estate equity, and financial lives that span federal pensions, TSP accounts, and private investments. That picture requires coordinated planning.
Navarre sits between Hurlburt Field and Eglin Air Force Base to the east and NAS Pensacola to the west. Many families here are active-duty special operations personnel, retired military officers transitioning to civilian careers, defense contractors, and federal employees. Others are long-time residents who have built businesses serving this community. The financial planning needs are specific and often misunderstood by advisors without relevant experience.
Military-connected families face a distinct set of financial decisions. TSP allocation strategies differ depending on whether you are mid-career or approaching retirement. The BRS (Blended Retirement System) versus legacy High-3 pension creates different optimization paths. Survivor Benefit Plan elections have long-term consequences for your spouse. VA disability ratings interact with taxable income in ways that affect your overall tax strategy. And the transition from active duty to civilian employment often happens fast, with major financial decisions compressed into a short window.
Beyond the military community, Navarre has a growing population of families who chose this area for its quality of life and relative affordability compared to Destin or 30A. Many of these families are accumulating wealth through home equity appreciation, disciplined saving, and small business ownership. They need a plan that grows with them and coordinates all the pieces as their financial picture becomes more complex.
We are based in Destin, about 30 minutes east. We work with Navarre families across the full spectrum: active-duty service members planning for transition, retired military professionals coordinating pensions with investment income, and civilian families building long-term wealth. We understand the specific financial dynamics of this community because we have been working with families like yours for years.
From military benefit optimization to civilian wealth building, we handle the full transition and beyond.
TSP optimization, pension analysis, SBP elections, VA disability coordination, and TRICARE planning. We understand the federal benefit system and how it integrates with your broader financial plan.
Learn more →Moving from active duty to civilian life involves compressed decisions about pensions, TSP rollovers, new income structures, and benefit elections. We coordinate the entire transition.
Learn more →Diversified, tax-efficient portfolios designed for your timeline. We coordinate TSP assets with private investments and manage the full picture.
Learn more →Multiple income sources require careful sequencing: pension, TSP, Social Security, and personal investments. We build retirement plans that coordinate all of it.
Learn more →SGLI conversions, beneficiary coordination, trusts, and titling. Estate planning that accounts for military-specific assets and benefits.
Learn more →ABLE accounts, special needs trusts, Medicaid coordination. If your family includes a dependent with a disability, we bring personal experience and deep expertise to the planning.
Learn more →Todd Sensing, CFA, CFP®, CEPA®, ChSNC®, leads FamilyVest with over two decades of experience across institutional portfolio management, fixed-income strategy, and private wealth advisory. He has built and managed portfolios at an institutional scale, founded an investment fund, and spent years working directly with families navigating complex financial lives. That background informs every client relationship, but it is the personal side that defines it. Todd is a father of two sons with autism, which drives his deep commitment to special needs financial planning.
FamilyVest operates through Farther, combining the personal relationship of an independent advisor with the technology, compliance infrastructure, and custodial access of an institutional platform. You get both: someone who knows your name and your situation, backed by systems that manage your wealth with precision.
We are 100% fee-only. No commissions. No product sales. Our only incentive is to give you the best advice we can. That is how it should work.
Let us review where you stand and where you want to go. If we are the right fit, we will tell you how we can help. If we are not, we will tell you that too.