the Modern survivor benefit plan alternative
According to the DOD: SBP alone is not a complete estate plan. At US VetWealth we offer other insurance, investments, and education for your needs outside the scope of SBP alone.
>80%
Retired Military Paying for SBP
-$200K
Average cost of SBP for Career Officers
<%50
Probability of getting SBP payments back
*DOD Office of the Actuary statistics show that there is less than 50% probability on average of getting a refund of SBP premiums in the form of beneficiary payments. This means that for the average retiring officer who will be committing almost $200K for SBP payment could have had that money work more efficiently in the Spouse Benefit and Family Legacy Plan.
Military Retirement isn’t just for the service member; it's for the family, too.
LTC (R) - US Army
Thank you, Scott. You really opened my eyes to the possibilities of making my money work for me in a tailored solution that makes sense for my personal situation, maintaining security while allowing wealth generation with the flexibility to adjust going forward as means, needs and goals change. I think all transitioning service members should take advantage of your advice and services.

For the first time ever, I can honestly say that someone with scary skills and an unparalleled level of integrity has MY BACK. US VetWealth is pulling open the curtain and exposing the good, bad, and ugly behind what military families are being sold. Thank you. Truly.
how we can help

What strategies have you used to prepare for military retirement?
We work with military families who need a trusted guide to educate and help them design smart strategies for income and investments.
Keep 100% Of What You Earned
Did you know that the military survivor benefit plan costs 6.5% of your retirement pay and will only pay 55% of your pension to your spouse if you die?
We have a better solution.
Understand Your Personal Assets
LES, ROTH, SGLI, TSP, 529's, SBP, etc? It's a lot.
We consolidate all of your income and investments on our one-page asset map for FREE so that you can easily view what you have and why.
Learn New Financial Opportunities
Did you know that when you have a pension and a 2nd income you are considered a high income earner?
We can help you qualify for more efficient investment and insurance strategies.
what we offer
The Military Pension Protection System™
Did you know that military retired pay stops upon death of the retiree? The government offered Survivor Benefit Plan (SBP) allows a retiree to ensure, after death, a continuous lifetime annuity for their dependents.
But what happens if you don’t die young?
Wealth Dashboard & Map
With transition looming over the horizon, let’s face it, you don't have time to research every investment available either.
As a fiduciary, we combine our expertise and modern technology to easily develop an affordable & personalized investment strategy.
High Income Strategies
A career in the United States Military earns you a retirement pension often worth well over seven figures in value. Having a second career or a dual income household also puts you in a higher tax bracket.
That's why you need US VetWealth to help you Map & Reroute your assets and income to keep more of your money working for you and your family.
A New Solution to SBP
The Military Pension Protection System™ gives you the flexibility to access the money you've paid into the plan and adjust beneficiaries - regardless of the outcome.
Features of All the Available Military Retirement Pay Protection Options
Header | SBP | VGLI | Term Life | Whole Life | Universal Life | Military Pension Protection System |
---|---|---|---|---|---|---|
Available Coverage Amount | 55% of Pension | $400K Max | $500K-$2M | $50K - $350K | $100K - $750K | $1 - $5 Million |
Cell | ||||||
Lifetime Coverage | Cell | Cell | ||||
Tax Free Distribution | Cell | Cell | Cell | |||
Living Return on Investment | Cell | Cell | Cell | |||
Protected Cash Equity | Cell | Cell | Cell | |||
Flexible Premiums & Coverage | Cell | Cell | Cell | Cell | ||
Long Term Care Benefit | Cell | Cell | Cell | Cell | Cell | |
Early Cash Liquidity | Cell | Cell | Cell | Cell | Cell | |
Market Linked Growth | Cell | Cell | Cell | Cell | Cell | |
100% Pension Protection | Cell | Cell | Cell | Cell | Cell | |
VA Disability Protection | Cell | Cell | Cell | Cell | Cell |
Maximize Your Pension & Benefits with the Military Retirement Blueprint
The Military Retirement Blueprint is the perfect knowledge library for career retiring military officers who want to make the most of their retirement. This specialized program provides training, guides, consulting, investment grade insurance strategies, financial & retirement planning, and more.