Senior military professionals, federal retirees, and career civilians near Eglin and Hurlburt Field face unique financial situations. Retirement benefit coordination, pension optimization, survivor elections, and the transition to post-service life. You need an advisor who understands these decisions from the ground up. We do.
Niceville is home to senior military officers, federal retirees, career civilians, and families who have built meaningful wealth through decades of service near Eglin Air Force Base and Hurlburt Field. Your financial situation is different. You have specialized benefits, unique tax implications, and retirement decisions that most advisors don't fully understand.
Many families in this area work with large national firms or advisors who treat military and federal benefits like civilian finances. That approach often leaves value on the table. FERS retirement planning is fundamentally different from private sector retirement. TSP requires a distinct approach. Survivor benefit elections have permanent consequences. Your financial picture carries complexity that generic advice can't handle.
We've spent years working with senior military professionals and federal employees in this region. We understand FERS optimization, TSP allocation, survivor benefit elections, retirement timing, and how to coordinate it all with outside income, Social Security, and investment strategy. Many of our clients in this area have built substantial wealth through long careers and disciplined saving. They need a plan that protects and grows what they've accumulated.
Whether you're a senior officer approaching retirement, a career GS employee managing a complex benefits package, or a military retiree building the next phase of your financial life, we bring the depth and the commitment to get it right.
From FERS optimization to TSP strategy to life transition planning, we handle the full range of military financial issues.
When should you transition? How do your benefits sequence? TSP withdrawal strategy, Social Security timing, survivor election. We build a comprehensive plan.
Learn more →Federal Thrift Savings Plan allocation, rebalancing strategy, and withdrawal sequencing. We treat TSP as a core part of your overall portfolio strategy.
Learn more →Survivor benefits election, dependent care, healthcare planning through transition. We coordinate every piece.
Learn more →Estate coordination, college funding, tax optimization, insurance review. Everything connected around your military benefits.
Learn more →Leaving active duty? We help you plan the financial side of your next chapter, from separation benefits to career transition.
Learn more →Military income, pension taxation, investment efficiency. We coordinate your full tax picture year-round.
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.