A visual depiction of realistic outcomes resulting from SBP (Survivor Benefit Plan) decisions. The SBP is a retirement plan option for military service members that offers financial support to designated beneficiaries in the event of the retiree's death.

Maximizing Your Military Retirement Benefits: Understanding Cost vs. Benefit and ROI

As a military retiree, you are entitled to numerous benefits and financial perks. However, it can be challenging to navigate the complex financial landscape and make informed decisions about your future. In this blog post, we’ll be taking a closer look at the variables that impact your financial decisions, specifically the trade-off between cost and benefit, and the role of return on investment (ROI).

Cost Vs. Benefit

The first step in maximizing your military retirement benefits is understanding the cost versus benefit dynamic. As a retiree, you’re already paying for the Survivor Benefit Plan (SBP), which comes with a 6.5% cost and a 55% benefit. The big question is, are these benefits worth the cost over the long-term? To answer this, you need to consider the timeline. How much time do you have until retirement? Are you already retired? These questions will impact your ability to make informed decisions and determine whether alternative options are available.


The key to maximizing your retirement benefits is focusing on ROI rather than cost vs. benefit. While the cost of SBP is easy to calculate, it’s crucial to look at the probability of ROI over 20 or 30 years. The government provides a calculator to help you determine the odds of a positive outcome, but many people don’t take advantage of it. The idea is to improve your odds of getting something back regardless of the outcome, whether that be through life insurance or other financial strategies.

Health & Strategy

Another important factor to consider is your health. Unfortunately, many military retirees are misinformed about the impact of their health on their benefits and end up making decisions that can backfire. That’s why it’s crucial to have a strategy in place that takes into account not just the probability of a positive outcome but also contingencies in case things don’t go according to plan. A good strategy should involve both offense and defense and be tailored to your specific needs and goals.

In conclusion, maximizing your military retirement benefits is about being strategic, not just buying more life insurance. As a military retiree, you’re in a unique position to take advantage of numerous financial perks, but it takes a tailored approach to ensure that you’re getting the most out of your benefits. If you’re interested in learning more about maximizing your retirement benefits, join our membership area and watch our videos, read our guides, and schedule a call with us if you’re ready to get started.

This video is part 2 of 25 of a series of micro-lessons. Unlock the full potential of your retirement with our Military Retirement Blueprint video series. With 25 micro-lessons, you'll have access to the expert knowledge and strategies you need to maximize your financial, health, and lifestyle opportunities. Furthermore, you will have exclusive access to our specialized knowledge library designed specifically for military retirees who are or will become high-income earners. It's a new and better alternative to "Benefits & Transition Assistance." Don't miss out on this valuable opportunity - start your FREE trial now and gain access to our insiders portal. Invest in your future and take control of your retirement today! Visit https://militaryretirementblueprint.com/

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