For military service members and veterans
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Request a conversationSavant Wealth Management is a wealth advisor firm for military service members and veterans with a military pension, the Thrift Savings Plan and a second career after service. One decision at a time: the plan is a short list of decisions in order of due date, each made with the numbers in front of you.
Here is what to know about how the firm runs, what lands in your hands at each stage and a few opinions about money that some advisors don't share. Nothing here is individual advice, and the page makes no promises about results.
Why the plan is a list of decisions
Military pay comes with due dates. The Survivor Benefit Plan election, the choice of what to do with your Thrift Savings Plan balance and the first paycheck from a second career can all land within a few months of each other. Savant Wealth Management builds its work around that order.
So the plan isn't a 40-page binder. It's a short list of decisions, ranked by due date, and each one gets made with the numbers in front of you. Before Savant Wealth Management suggests moving TSP money, an advisor works out the tax cost of the move and shows you that figure first.
The firm works with clients holding at least $500,000 in investable assets. Below that, it's probably not the right fit yet. As of 10/5/2026, Savant Wealth Management serves 490,000 clients and $9.3 billion in client assets.
When do you get the fee schedule and the first plan?
You get the fee schedule in writing before the intro call, and the first plan after an advisor has seen your pension statement, TSP balance and recent tax return. Each stage ends with something on paper you can keep, so you always know which decision is next and when it's due.
Savant Wealth Management works with people all over the country, mostly on screen-share video calls or by phone, from its office at 1200 West McWilliams Avenue, Las Vegas, NV 89106. You don't need to travel.
The last column of the table is the point. Every stage ends with paper in your hands.
| Stage | What happens | What you receive |
|---|---|---|
| Before intro call | You send the request form | Fee schedule in writing |
| Intro call | Pension, TSP and job discussed | Short list of open decisions |
| Data review | You share statements and tax return | Questions on missing items |
| First plan | Decisions ranked by due date | Written list with numbers |
| Yearly review | Numbers updated, next decision picked | Updated list for the year |
What an ordinary month looks like
Most months, nothing needs deciding. You might send a question about a TSP loan or a job offer, and an advisor writes back with the numbers.
A meeting gets booked when a decision is coming due: the SBP paperwork, a TSP withdrawal form, a Roth conversion before year end. The advisor sends the figures ahead so the call goes to the choice, not to reading statements.
The year follows a loose calendar.
Paperwork stays small. Custodians want signatures, not essays, and the advisor tells you which decision each form belongs to. Quick test: if nobody can say which decision a form belongs to, don't sign it yet.
- January: pension and TSP tax forms arrive
- Spring: tax return gets reviewed
- Fall: Roth conversion size checked
- Year end: decision list updated
When TSP, SBP and Roth conversions collide
The six services share one order. Military retirement planning sets the sequence. The SBP election usually comes first because it has a hard due date. TSP withdrawal planning decides which account pays you, Roth conversion planning comes once the year's income is known, Social Security planning follows later, and tax planning for veterans runs through all of it.
Here is a hypothetical. A retired master sergeant, age 46, has a military pension, a $600,000 TSP balance and a new job paying $110,000 a year. A common suggestion is to convert a large slice to Roth right away. Converting $60,000 at an assumed 22% rate means a $13,200 tax cost.
At Savant Wealth Management the order changes the answer. The SBP election gets settled first, then withholding on the new job is checked, then the conversion is sized against the real year. Converting $30,000 instead, at the same assumed 22%, costs $6,600, and the other $30,000 can wait for next year.
- TSP withdrawal planning
- Survivor Benefit Plan election
- Military retirement planning
- Roth conversion planning
- Social Security planning
- Tax planning for veterans
Questions people ask Savant Wealth Management
Is this firm only for people who served in the military?
No, Savant Wealth Management is open to anyone with at least $500,000 in investable assets, though its pages and process are written for military service members and veterans who hold a military pension, a Thrift Savings Plan balance and a second career after service. Civilians are welcome.
What does the firm hand you after the intro call?
After the intro call and a review of your statements, Savant Wealth Management gives you a written list of open decisions, each with its numbers and due date, ranked by which comes first, and an advisor updates the same list at your yearly review.
Do I have to live near Las Vegas to work with the firm?
No, clients live all over the country and meet their advisors on screen-share video calls or by phone, so nobody needs to travel to Las Vegas, where the office is, and the only things worth having open on the intro call are your pension statement and TSP balance.
Beliefs about money Savant Wealth Management holds
The firm holds a few views that some advisors would push back on.
Keeping your TSP is often a fine answer. Its fund costs are low, and moving money out only makes sense if the new account does something the TSP doesn't.
Your pension is a steady paycheck, so the portfolio next to it doesn't have to copy a civilian's. That can mean holding more stocks, which means bigger drops. All investing carries risk, and you can lose money, including what you put in.
Roth conversions aren't always worth it. If you expect a lower tax rate later, paying tax today buys you little. Yes, that means some veterans get told to skip them.
And a plan you can't read in 10 minutes won't get used. The list stays short on purpose.