The Best Alternative to the Survivor Benefit Plan Ever Designed
Are you annoyed that if you elect the SPB, 6.5% of your pension will be taken from you for 30 years?
This FREE Webinar is the ONLY guide you need to keep more of your MILITARY PENSION MONEY without putting your family's livelihood at risk.
You are told "how to think" about the Survivor Benefit Plan problem and the generic life insurance alternatives...
You can get a better return on investment -
without having to die!
Doesn't it seem a bit ridiculous that in the year 2020 we're still using a government pension protection system designed in 1972... Not to mention, any payments you make into that system towards your own future don't go to an account with you or your spouse's name on it. Nope. The truth is, that money is going immediately out to pay benefits to today's widows.
Of course we want those widows to be taken care of, but what's confusing to us is this question: Why do today's veterans have to pay for it when our government has no problem printing trillions of dollars to bail out banks and other corporations?
Most importantly, how much is this costing veterans and their families? I'll answer this question specifically at the end.
Veterans often pay hidden taxes they could have avoided!
The assumption from retirement briefers is that most career military should take the Survivor Benefit Plan because according to the government, it's the best option. So, on average, 80% of retiring military do. That's 6.5% of every pension check each month going directly to pay current widows. It's no better than social security. It's a tax with no guarantees of a return on investment unless the veteran dies.
By the way: even if you do get hit by a bus soon after you leave the military and your spouse lives a long time, the benefit payments are only 55% of your pension (not including VA disability) and they only come monthly. There is no lump sum option. Oh, and by the way, your future widow will be required to pay taxes on those payments.
Keep all of your pension income by
insuring your income-producing potential,
not just your death...
We believe that at best, this is an unjustified tax, and at worst, it's misleading information. But, it's just a function of government buearacracy, of course, something veterans and military spouses know well.
BLUF: The SBP is a flat cost for everyone, across-the-board, regardless of age, gender, or health. There is a low probability that any benefit will ever be paid, and there is an opportunity cost when you consider an equity-building alternative that is available on the modern private market.
The service member should see if they can qualify for this alternative early in their career so they have the option to not be locked into 30 years of SBP payments.
I'll explain how much that opportunity cost really is in a bit, but first I want to explain why this is so important, and why it's a shame that most military families aren't made aware of this problem.
You see, many years ago, in a time before lockdowns and veteran suicides and two decades of war, I entered a place called West Point to get my education. No one I was in school with thought that we would ever actually go to war. Then, in my senior year, 9/11 happened, and thousands of military families have taken the blunt end of the American sacrifice.
Now, almost twenty years later, while most Americans have enjoyed decades of prosperity and have begun turning on each other because they can't take responsibility for themselves, veterans are coming out of the military and finally getting a chance to take a breath of fresh air with their families.
It's Time to Stop Following Orders: How to Take Financial Control of Your Benefits
You've put your country first while in uniform, thank you. But that also means that you had to make sacrifices for yourself and your family. This is why the taxpayers want to give you a pension and a disability payment if you need it, so that you can maximize your post-military life.
The Simple Financial Rule for Veterans: You've Already Paid Uncle Sam Plenty!
You see it all throughout history. Governments send their men and boys off to war, causing a lot of pain and suffering at home and abroad, just enough to create a tremendous amount of empathy for you (assuming you're a veteran from a war the media liked).
That empathy created benefits. Lots and lots of benefits. Medical care, disability payments, free education, guaranteed home loans without any skin in the game, job preferences, etc.
Being a 21st century servicemember and veterans has its perks, that's for sure. We can't deny it.
But we also can't deny the apathy this system has created among veterans who've been led off their own true paths while following a system that was put in place to take care of them and tell them how to live their lives after the military. The government created these benefits to make sure the American people could feel good about the things that same government asked their military to do.
A LOT of taxpayer dollars go to pay for the DOD and the VA, presumably to fund pay and benefits for individual military families. But very little of that money makes it into the hands of these families so that they can use it to invest for their future in the new economy.
What if you didn't pay the Uncle Sam tax of 6.5% of your pension, and you built equity instead?
How much wealth could be redirected into our economy through the hands of veterans? What positive impact could this money have if we simply didn't have to pay into this outdated pension system?
Well... actually, now you don't! (see more below)
Why does the government need 6.5% of every veteran's pension, taken directly from those checks before veterans even see them???? It equates to a small amount of the government budget that could probably be realized instead by ending some war we probably don't need to be fighting anymore.
The Government Won't Change, You Must Fix it Yourself
The mistake everyone makes when they first learn about the SBP is trying to find a cheaper solution. This way of thinking minimizes the value of the pension to nothing more that a comodity with costs, like paying for gas to run a car.
Wealthy people don't think that way. They think about their assets. And WOW, is the military pension a tremendous asset that is rarely valued as such! Unfortunately, that means that many veterans went through 20 years of service and were barely told what was going to happen to their pension if they died.
They learned too late how it all works. Maybe intentionally, because that's when it seemed logical to provide the information. Either way, not learning the details about the SBP until you are sitting in your retirement briefing is not helpful. We should be teaching this early in a military career so that there's more time to seek alternatives.
It's not too late. It's important that we get back to calculating actual numbers so that you can see how serious this issue is. But first, we need to discuss the three areas we feel are most overlooked when it comes to teaching retiring military about their pensions.
Pension Legacy Valuation
30-Year Opportunity Cost
Tax & Growth Risks
Here's what you need to be thinking about instead:
The Current Aproach to Retirement is Outdated. You Need a Strategy of Financial Control.
You need to understand this new strategy for two reasons. First, to make sure it's right for you at all. Second, to be able to think about how you intend to use it.
But before we get into that, we need to explain what this strategy is NOT.
Our approach is not typical, because we aren't trying to get typical results. We are looking for solutions that are more creatively adapting to the current economic enviroment.
So what's the "typical solution" we think know is a waste of your time?
Typical solutions are a weak attempt at solving the wrong problem while still doing "the right thing." Most people believe they are hearing "the right thing" when someone tells them what they expect to hear and that makes them feel good about what they have already done. The ability to figure this out and say this "right thing" is what makes someone a good salesman, policitician, educator, or pick-up artist. For better or worse, these are all the same.
This approach not only makes things uncomfortable for everyone involved, it causes everyone to have groupthink and focus on the wrong issue!!
This is exaxcly what happend in the financial adivising, financial counseling, financial coaching, and financial blogging communities when it came to educating military service members about personal finance.
I'm not saying there isn't a lot of good information and that there aren't well-intentioned people out there. I just know that they're also speaking to the masses, which means that they are thinking about how to provide information to the masses.
It's not much different from what we expect from the military; we have to do things in certain ways as a group. So when they provide personal financial advice, and even go a step further by providing specific financial vehicles and recommendations about how to use those vehicles, you have to keep in mind that they aren't talking to just you as an individual - they're talking to the masses.
This groupthink has created two factions: those who love all the perceived government benefits and those who recommend using the private market for financial planning in addition to the government benefits. Those in the second group are usually selling financial products for a firm, affiliated with financial advertisers on their blog, or have bought into the Dave Ramsey/Suze Orman-only approach that is pervasive on military bases.
The only thing more dangerous than this institutionalization is being sold into a multi-level marketing financial firm... but that's another animal altogether.
So how does this relate to solving the Survivor Benefit Plan problem?
The second crowd, which likes to recommend a private solution, also isn't really being very creative. Typically, the coversation goes something like these two:
Military Financial Blogger:
"When I retired from active duty, I didn't think SBP was great for my family, so I went to (insert military-friendly financial institution here), and bought a 30-year term life insurance policy for a fraction of what SBP would have cost! You should do that! Here's my affiliate link to that financial institution."
Military Financial Advisor:
"You should buy whole life insurance because it acts like a savings account you can use later in life and get some money back. It'll require more investment and still be a lengthy commitment, but we'll have a reason to sell you a little more insurance every few years, so you'll be locked into this financial plan we created for the rest of your life."
I'm being facetious because I've drank all that Kool-Aid before myself and tried my darndest to believe in these approaches. I was like any of you reading this, I only knew what I knew. So it made sense to make those standard recommendations. After all, why would there be such a thing as a Certified Financial Planner (CFP) if the people earning that designation didn't know what they were talking about?
Getting the CFP credential became a new fad to justify the need for hiring a financial advisor or reading a financial blogger. Unfortunately, like anything that's institutionalized, it created standardization. Combine that with the common understanding of how to use military financial benefits and you create the biggest gap that exists in the financial world that no one is talking about!
Here's Why Buying Term or Whole Life Insurance Doesn't Solve the Problem
The problem with standardization is that it stifles creativity. It also makes it easy for one to stick to their guns once they've chosen a position. That's unfortunate, and we know the consequences of that kind of approach to life because we understand how dangerous it can be on a battlefield.
When you lack flexibilty, you lack freedom. It's as simple as that. If you can make choices about things that directly impact your life on your own without an intermediary, then you have control. A lack of flexibility basically underlies how our entire society runs today. We tie ourselves to so many things that limit our flexibility because of their perceived benefits.
We stay in houses because of 30-year mortgages. We stay in jobs to pay for those mortgages. We pay taxes so we can vote and avoid going to jail. Don't forget these little bits of risk to your freedoms.
Why doesn't term insurance solve the problem of providing for your family in the event you die prematurely? Because there's zero flexibilty and only slightly better chance of any return on investment. Regardless of how cheap that term policy is, you still have to pay it year after year for the length of the term. Then guess what? You didn't die. Yay. Congrats.
Less than 3% of Term Life Insurance Policies Ever Pay out
People don't die that much...
But now you're 30 years older, and you actually need a lot of life insurance because you've decided you now want to leave a legacy and avoid any potential estate taxes to your family or businesses.
And now you need to either re-qualify for a lesser amount of insurance you can afford for the next 10-20 years, or you have to pay a lot more.
I never understood how this approach solves the problem. It is simply a very cheap security blanket for the short term, and an expensive disaster later on. It reminds me of our government's fiscal policy. If you've read this far, then I know you don't want that to be you.
Whole Life Is A Nice Story That Doesn't Deliver
If you already own a whole life insurance policy then you know this story. But I have great news for you in a bit. The story is something like the story you get from a realtor or mortgage lender excitedly explaining to you how amazing the VA loan is and that because you served your country you deserve to own a part of it!
And they're not wrong. You do, and the VA loan is an advatage that you have. But so is the GI bill; that doesn't mean you need to use it. The fact is, there are better ways to put money into real estate if your goal isn't just ownership... but to get a return on your investment! Most people don't and shouldn't think of their primary home as an investment. You have no idea if it'll be profitable if and when you sell it. And you're tied in financially to the place you live, so flexibility is out the door.
Whole Life insurance is the same boring story. "You can own your life insurance." Like with a house, you can build some equity. And just like with a 30-year mortgage, you pay the same amount every month, year after year, in order to pay off the interest on the mortgage.
It requires a lot of commitment and a lot of up-front costs. Like with an amoritized mortgage loan, you pay the costs of buying a house up-front, and then pay off the interest first before building much equity. And even when you have equity, you have to go back to the bank to get a loan if you want to access your own money!
Whole life insurance is designed for just that, to be there for the "whole of the life." And the cost of insurance is always extremely high when you get to age 70 and beyond. So in order to offset that cost, the insurance company takes those costs in the early years and structures the policy so that paying a guaranteed death benefit is still profitable for them!
So Whole Life offers guarantees that term can't. It guarantees it'll pay the death benefit to someone when you die, as long as you pay the premiums up until that same day. Oh, and the other guarantee is that the company will pay dividends so that you can build that equity we were just talking about.
How to Escape the Whole Life Trap
You see, the ironic thing about the dividends is that they're simply sharing profits to a shareholder or policy holder. But then again, how do those profits get made? Well, from selling insurance policies!
So really, that fancy dividend that whole life insurance companies like to brag about is them just returning some of your costs, and it's up to the board of directors to decide how much dividend they want to declare.
As the industry changes with new technology, because it can and it will, and frankly it already has, these companies will lose more and more business to the modern solutions. That means less profits, which in turn means less declared dividend.
Whole Life insurance is a nice story, sure, and it's better than nothing; but like owning your primary home, it's not flexible, and the return on investment is hard quantify unless you get hit by a bus.
The Good News
Now, once a homeowner realizes they could become an investor simply by using other people's money and leveraging some advantage in the IRS tax code, real estate investing becomes pretty exciting.
Just like that first investment is usually from the sale of a first home purchased with a VA loan, or it's from the cash flow that property generates, our young homeowner has now identified as a business owner and their game changes.
With the modern strategies we are going to show you in this webinar, you're going to learn how to get similar results from leverageing a different asset class in a similar way.
One example we'll show you is how to use the IRS 1035 exchange provision to reposition any equity you have in an old whole life insurance policy without a taxable event or any penalities.
Here's why our approach is so radically different, and better for you: It's not just about DEATH! Shocking...
Here it is:
VETERAN SURVIVOR LIBERTY STRATEGY
You're the kind of person who can think for themselves, right? Good. Because I'm not here to tell you what you should or shouldn't do. What I want to offer instead is a better solution to a problem I saw affecting many veterans, a problem that was oddly being ignored.
As an entrepreneur, I noticed this was an opportunity. It was a chance to offer a better solution to a problem and create a business opportunity for my family and for the other veteran and military families on my team.
Finally, this felt like the meaningful source of income I had been seeking for years after I left the military. I realized I had created a unique knowledge and skillset that allowed me to think differently about a big problem that everyone had basically accepted as the status quo.
I didn't accept this problem. I felt it was the government once again bumbling with their taxpayer dollars and somehow costing post-9-11 veterans a lot of money paying for WW2 widows. Somehow that doesn't compute. The babyboomers who got us into this financial crisis and who keep racking up our country's debt might as well add that cost to the pile and allow veterans to keep ALL of THEIR pensions benefits.
But I digress... we know that won't happen. In fact, in 2018 the DOD commissioned the RAND coporation to do a study on the SBP. This study was 170 pages long and cost who knows how many taxpayer dollars, and it concluded that the SBP is still the best approach, blah blah blah...
Now, I read that damn report. Not for my own gratification, but so you wouldn't have to. Thank me later.
And just like how the report basically said that term and whole life options aren't any better, they all miss the point.
What If You Don't Die?
What everyone is missing, from the government to the financial blogger to the financial advisor from the big-named firm, is that this shouldn't be about death. I mean... that's just the only thing we can predict.
Instead, this is about the income-producing potential of an individual. It's about the massive opportunity costs both financially and in how you choose to earn income, if you use the old and inflexible approach of buying insurance with a mind set of "what if?"
Yes, we're all going to die eventually: "No Shit, What's Next?"
What's next is what we'll teach you in this webinar: A new approach to not only solving the military pension Survivor Benefit Plan 30-year $150K cost problem, but to solving a few other problems as well.
- 1The Investment Risk Problem: the modern stock market enviroment is a gambler's game. We don't put money at risk.
- 2The Growth FOMO Problem: but somehow the market keeps going up... we don't want to miss growth, and our solution captures 80% of the market growth.
- 3The Fixed Tax Problem: life's biggest expense will be taxes to Uncle Sam, unless you leverage this strategy.
Attend the FREE Training:
When you attend our FREE "Better Surviror Benefit Plan" webinar, you'll finally learn the truth about why the traditional term or whole life approach will cost you more money than the SBP and give you less return on your investment.
If you stay through the whole webinar, we have a special bonus offer for you EVEN IF you aren't interested in qualifying for the Survivor Liberty Plan!
Scott R. Tucker
Creator of The Veteran Survivor Liberty Plan
About the Presenter
Scott R. Tucker is the author of the book, Veteran Wealth Secrets, and the founder of US VetWealth, a lifestyle and financial consulting brand that helps service members go from paychecks and government benefits to wealth and liberty. He likes to say, "I Help The 1% Who Serve Our Country Become The 1% Who Influence It." A West Point graduate, serial world traveler, military financial expert, and entrepreneur, Scott brings valuable experience and insight to those who have sacrificed so much in service to our country. He's the Rosie Network's #1 Fan and a passionate supporter of the Veterans Cannabis Project.
Why You Need to Learn This Strategy to Gain Financial Control
The biggest concerns we hear from people who are learning to implement this strategy usually deal with two main things.
1. Why haven't I heard about this before?
2. I'm not sure I understand how to fund it.
I'll explain in more detail below, but the short answers are simple. You haven't heard about this approach simply because it's not what most people do. It's like expecting everyone you know to also be a real estate investor or online marketer in the same way that everyone has a bank account. You haven't heard about it because this strategy really only works for the 10% of veterans who have a value creation mindset.
Once you realize you're in that 10% and you start to see the potential in this approach not just for protecting your pension as an SBP alternative, but for many things in your financial future, you're going to start getting creative with how to use it. That means funding it effectively so that you'll be able to leverage it in the same way you create a business and then leverage it as an asset, using whatever advantages it gives you: tax advantages, income opportunity, equity growth, loan collareral, and so much more.
Thats what makes this approch so radically different. We take these two things into account, that way we aren't wasting your time trying to make this appealing to everyone. Nope. We ONLY want this approach in the hands of the right people. Chances are, if you're still reading this far, assuming you qualify, it'd probably be a good fit for you.
But that doesn't fully answer the funding question. Most are wondering.... Is this an investment like saving for retirement? Is this a premium cost like most insurance? Is this more like a mortgage?
Well, the answer is yes - to all those questions and a few others. While that may seem confusing, it really works in your advantage and highlights one of the best aspects of this plan.
There is no single structured way to fund the Survivor Liberty Plan. You can fund it however you want and treat it like you would any financial asset. It's your asset. You get to decide how much you invest in it and how you use it and when. That's the power of flexibility.
And to finally answer the question I posed at the beginning of this letter:
How Much Is Bad SBP & Life Insurance Advice Costing Veterans?
Let's look at this from the perspective of an individual career military officer. The numbers would be roughly half for a career NCO, but the math is still the same. I'm not going to spend much time talking about the cost of SBP or the costs of life insurance. That's surface-level stuff and basically where all the other financial gurus I discussed earlier stop and argue amongst themselves. Check out any Facebook group or LinkedIn post where the topic of what to do about SBP comes up.
They never look at the real cost and completely miss what's really going on. We'll break this down in the webinar, but to give you an idea about why you NEED to attend this training, the numbers I'm about to share with you are very real and indicate the real cost.
Opportunity Cost is the Hidden Tax Veterans MUST Avoid.
You never learn about opportunity cost from a standard financial planning education. Unless you took an economics class at some point, you may not have even heard the term before, let alone truly understand its impact when all variables are considered.
Case in point: Consider an Army LTC who is retiring at age 45 with 23 years of active duty. His pension is going to be about $65,000 per year with VA Disability. After tax, he'll take home roughly $50K... so he's already losing a big chuck to Uncle Sam each year because the pension is fixed income and there's no way to directly reduce that tax.
Then, at his retirement breifing, he finally hears about this SBP everyone has been talking about, in about 2 hours of PowerPoint slides and questions whose answers sound suspiciously like: "Just do what the government says, it's in your best interest."
Then they explain that while the SBP is part of your pension benefit, there's also a cost tax, much like how social security works, that allows you to participate in the program should something happen to you so that your spouse can still receive a survivor benefit.
Thats when they explain the part about your dying and scare you and your spouse into thinking that 55% of just your pension (not the VA disability - that goes away when you die) would be enough for your spouse. The math doesn't work out. But that's not the part that shocks everyone.
It's that 6.5% cost. For this veteran, that's another $4-5K per year of cost. This technically would reduce his taxes a bit, but that doesn't help his future taxes and doesn't guarantee any return on investment for this nearly forced participation in the SBP.
here's what To do instead.
Not only would our veteran rather pay taxes today at rates he knows are historically low when government debt nearly guarantees a future tax increase on the upper middle class, he would also rather maximize his pension to fund this strategy at the same level he would have paid into SBP over 30 years anyway, but instead, finish it sooner.
So instead of committing to $150K of SBP premiums with no idea if there would be any benefit whatsoever, he decided to fund the Veteran Survivor Liberty Plan over 10 years for the same $150K. Basically, he's just moving $15K of assets into his private equity insurance plan for just 10 years.
At that same 30-year mark, at which we are assuming he's still alive and well and would have otherwise already paid that $150K into SBP, he'd have no access to that equity, and no return on those premiums if his spouse passes first. Even if his spouse did recieve a few years of payments, there's no way to leave the pension as a legacy. It ends there. In the best case scenario, the veteran dies early, and his widow eventually receives more in benefits payments than they paid into the plan. Awesome. Its a wonder 80% of veterans end up with SBP and a bit dubious that that high a number would see this to be to their long-term personal benefit.
The government knows it needs that 6.5% payment to hopefully keep paying these current widows, who are living much longer than anticipated. It's just a shame that it comes out of your pocket and your benefit.
We are well beyond 1972, there's a better way to do this.
What if instead, over that 30 years, those ten investments of $15K had grown at a very conservative average of around 6%? What if he had gotten that growth as interest credit based on the performance of the stock market using long-term options contracts that cost almost nothing, and also act as insurance on your investment in the stock market? This basically means you can get stock market growth without any risk.
What if, then, he was also able to access that money anytime he wanted and for any reason without ever paying taxes on it? In fact, at that 30-year mark had he not put any new money in after the 10-year funding period and grew that $150K by a very conservative estimated growth rate of 6% without any risk, he'd have close to $567,000 available to access tax free.
Your Opportunity Cost Could Be More Than $500,000!!!
Consider that scenario vs. the $150K of potentially sunken cost with the SBP. And that's just the surface level of what's really happening here.
I only ask that you take your pension benefits seriously because you earned them. The taxpayers know that, and they hate it when the government spends their money poorly. In this situation, Uncle Sam gives everyone a loophole to save a little bit more of that benefit.
Taken as a whole, imagine the amount of wealth that should be in the veteran community if more people solved this problem - this is a real possibility with the Veteran Survivor Liberty Plan.
We look forward to seeing you in the training and suggest you bring your spouse and any colleagues in a similiar situation. Really, the smart thing to do is to think about yourself 5 or 10 years ago. Imagine that someone had explained this to you then... you'd already have that far of a head start.
We're going to show you these scenarios and much more. But most importantly, you'll learn exactly what you need to do in a few short steps to 1. Make this a priority, 2. Get your financial resources in order, and 3. Prioritize your time over money.
Do these three things, and you likely have the aspiration to be in the 10% who are maybe looking for a little something more, who want to try to do things differently, and who don't necessarily buy into everything everyone else is doing. Really, the Survivor Liberty Plan is for someone looking for more fleixibility for opportunity and financial control.
If that's you, then you're on the right path. This training will give you the insight you've been missing and that you need to make decisions that will allow you to control the rest of your life. The SBP pension protection problem is just a peek into how to not only see the world differently from most, but how to also take action and implement a serious and professional financial strategy that benefits your family.
Why Isn't Everyone Doing This?
It's actually simple to explain. Most won't be able to qualify for this strategy, and not because of health concerns. Really, the vast majority of veterans choose not to develop an understanding of the modern financial world and are left listening to "advice" based on old technology and outdated financial planning philosophy. Rather, this approach is meant for the top 10% of financially stable military families.
When there's the right fit, the Survivor Liberty Plan give you far more financial advantages as a veteran than the traditional approach given to military service-members as a whole. Even if you are working with a financial planner, they only have the products and solutions trained to them by their firm. They don't have access to, let alone knowledge of, how the modern versions of life insurance work, so they default to the standard guidance. Well, we don't think you're standard, and we've spent a decade researching a better alternative. It's up to you to decide whether or not you want to use it.
Advantages vs Disadvantages
As I just mentioned above, this approach is not meant for everyone. More specifically, it's not meant for those who are stuck in a poverty mindset. You must be someone who ACTIVELY chooses to protect their military pay and retirement benefits to avoid future taxes and who wants to create a financial savings vehicle you can access at anytime for any reason.
What Happens After You Attend This Webinar Training
You'll Gain This
You'll Avoid This
Here's "What You Get" when you attend our Survivor Liberty Plan Webinar Training (the best SBP alternative available)
Frequently Asked Questions
Will this SBP webinar cost me anything?
Not at all, its absolutely free no matter how many times you attend! In fact, you'll receive a number of free Bonuses just for attending!
What if I'm already enrolled in SBP?
If you are less than three years from your Military Retirement, you have the option to cancel.
What about exit intent lightboxes?
You can also use the built-in exit intent feature to open a lightbox with a contact link and invite visitors to leave some feedback before they exit the site.
What if I already have term life insurance?
Great, keep it until you know if you qualify for better solutions.
Can I transfer cash value of my Whole Life?
Yes! Thanks to the 1035 provision in the IRS tax code, you can "upgrade" your growth and liquidity without penalty.
What if I have a VA Disability rating?
VA Disability ratings have little to do with your ability to qualify for insurance. Unfortunately, the VA tells you the opposite.
P.S.: Retiring military have been asking me to do this for years! And every day that we haven't a veteran committed themselves to a cost they could have avoided. I feel its my duty to ensure we reach as many career service members as possible, before its too late for them too.
I hope you'll agree and want to help us share this message. Please invite your friends and colleagues to join you on the webinar!