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Survivor & Estate Planning

Your Financial Landscape During Inevitable Life Changes


There are moments in your life when you face big changes. Maybe it’s a job change, career change, or perhaps you’re transitioning out of the military. Whatever the transition may be, it presents a good opportunity to review your financial landscape.

-          How are you going to handle your Thrift Savings Plan (TSP)?

-          How are you going to handle your 401(k)?

-          How are these changes going to impact your family?

Financial considerations don’t stop there, either.

Insurance Coverage

Review your home, auto, medical, life, and long-term care insurance, as well as short-term and long-term disability coverage.

-          Do you have the right insurance, enough insurance, or too much insurance?

-          Are there any gaps not covered? 


When you invest your retirement assets, you want to consider the costs and expenses that you will incur over the rest of your life. How much money will you need to live the retirement lifestyle that you want? From there, you should make sure to pursue an investment strategy that will get you there and address concerns of unforeseen events, such as:

-          What happens to your portfolio and retirement if a bear market hits the year you retire?

-          If you become disabled during retirement, what are the impacts?

Social Security

Policy changes affecting Social Security have created a new national discussion over the last year about this important government entitlement. Social Security benefits are different for each person and couple.

-          Do you know the best strategy for your social security benefits?

-          If you and your spouse both worked, when should each of you claim social security benefits? 

Estate Planning

Estate laws change over time, along with your ever-changing family dynamics and net worth, so you should always review your estate plan as part of your financial planning.

Considerations for military families with special needs

-          What if something happens to you and your brother, sister, niece, nephew or children have special needs requirements?

-          Does your estate plan address their needs in the most efficient and beneficial manner?

The AAFMAA Wealth Management & Trust team provides objective, comprehensive financial planning and takes a holistic approach toward understanding your entire financial life. If you have any questions or concerns about your financial readiness and need guidance in developing a financial plan, please contact us by calling 1-910-565-4452 or emailing [email protected]