Savant Wealth Management FAQ: Questions From Service Members and Veterans

Yes, if you have $500,000 or more in investable assets. Savant Wealth Management serves 490,000 clients and $9.3 billion in client assets as of 10/5/2026, and works with people nationwide by screen-share video call or phone. Military pensions, the Thrift Savings Plan and second-career income are the situations this site is written around, though the firm is open to any client who meets the minimum.

Savant Wealth Management sends its fee schedule in writing ahead of the intro call, so you read the cost at your own desk before anyone asks for a decision. This page doesn't quote percentages. For comparison, a 1% fee on a $500,000 account is $5,000 each year, so hold the written schedule against that math and ask what it includes.

You might not need one for the TSP alone, because its funds are simple to run yourself. The reason to hire a wealth advisor is the decisions around it: the survivor election on your pension, the age to claim Social Security and which account pays your bills first. An advisor puts those in order of due date and runs the numbers on each.

The client minimum is $500,000 in investable assets, so at $430,000 Savant Wealth Management isn't the right fit yet. Add up your TSP, IRAs, brokerage and cash for a true total. A pension's monthly payment and your home generally don't count as investable assets. If a rollover or a sale would push you past $500,000, say so on the request form.

Yes, if the due date leaves a few weeks. Savant Wealth Management compares what the survivor coverage costs each month with the income your spouse would lose without it, and then you decide. Hypothetical: a $150 monthly cost is $1,800 each year. Bring the form, your latest pension statement and your spouse's own retirement accounts to the intro call.

No, but the work is lighter at that stage. At 45 the useful questions are how much goes into your employer plan and whether it goes in as Roth or traditional. For 2026 the employee limit in those plans is $24,500, and at 50 an $8,000 catch-up brings it to $32,500. A $500,000 minimum still applies at this firm.

Not automatically. Full retirement age is 67 for anyone born in 1960 or later, and claiming earlier cuts the monthly check for life. If you're still working your second career under that age, the earnings test also applies: $24,480 for 2026 before benefits are withheld. A wealth advisor compares claim ages against your pension and TSP withdrawals before you choose.

Yes, if you ask us to and give us your attorney's name. The attorney drafts the will and trusts, and the advisor doesn't practice law. What Savant Wealth Management can do is check that the beneficiaries on your TSP, IRAs and other accounts match what the documents say, because those beneficiary forms generally override a will.

Start with the gap. Say you spend $5,500 each month and your pension pays $3,000. The other $2,500 each month, or $30,000 each year, comes from savings. On $700,000 that's about 4.3% a year, for illustration only. An advisor then decides which account pays each month. All investing carries risk, and you can lose money, including what you put in, so the withdrawal rate gets reviewed.

It can be, if all you need is an investment mix and you're comfortable making the other decisions alone. A robo service builds a portfolio from a questionnaire. It generally won't weigh your pension survivor election, your Social Security claim age or the tax cost of a TSP rollover. A Savant Wealth Management wealth advisor talks those through with you, and that conversation is what you pay for.

Generally a third-party custodian, such as a bank or brokerage, holds the IRA in your name, and the advisor directs the investments. This is general information, not a claim about any one firm. Ask any advisor to name the custodian in writing, and check that you'll get statements from the custodian directly.

Yes. Savant Wealth Management meets by screen-share video or phone, so family can join from different states. Bring your spouse if they're the survivor on your pension or hold their own accounts. An adult child often joins to hear where the documents are kept and whom to call. Tell the firm who's coming when you book, so the right accounts are on screen.

Hours are by appointment, so you pick a time that fits your schedule instead of a posted window. Savant Wealth Management doesn't publish a phone number; you reach the firm through the request form on this site. No response-time promise is listed here, so ask on the intro call how quickly messages get answered and who replies.

Savant Wealth Management revisits the plan with you. A new employer usually means a new paycheck, a different retirement plan and possibly different state tax rules, so check your state's rules. The first questions are whether the new plan or an IRA gets your contributions and what to do with money left in the old plan. For 2026 the employee limit in a 401(k) is $24,500.

Savant Wealth Management starts with a short list of decisions in order of due date, then makes each one with the numbers in front of you. For a veteran that list might begin with a pension survivor election or a TSP rollover, then Social Security timing, then the investment mix. Before suggesting a fund change, the firm works out its tax cost. Review frequency is set with your advisor.

Your CPA keeps filing the return. Savant Wealth Management's part is working out the tax cost of a move before you make it, such as a Roth conversion or a fund sale, and sharing those numbers with your CPA if you ask. At an assumed 20% rate, for illustration, converting $20,000 adds $4,000 of tax cost.