Distinct for Military retirees

US VetWealth Mission

US VetWealth is a trusted guide to equip military retirees with the strategies needed for financial success through education, action, and problem-solving.

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Our expertise is solely dedicated to serving military retirees.

When you transition out of the military, it can be easy to get caught up in the romanticism of finally being a civilian again. You’re used to a strict schedule, set roles and responsibilities, and a clear chain of command.

When you retire life changes. 

You’re suddenly responsible for creating your own schedule, figuring out what you want to do with your time, talents, and treasure. It is a time of self-discovery and personal growth as you navigate through the decisions on how to allocate these precious resources wisely.

Therefore, you can only know where to look for help based on what you are shown. You’ve spent years following orders and now you’re ready to check everything off your list as fast as possible.

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You’re in the right place if…

You are a retiring or retired career military officer or NCO who is looking for financial services and consulting that focuses on helping you maximize the opportunity of a lifetime military retirement pension.  

You dream of retiring or working for yourself within 10 years of leaving the service. You want the freedom to access your money without taxes, fees, or penalties. And you want to avoid the ongoing risk of investing your life savings in the unpredictable markets.

Innovative Solutions

Learn About the War Chest Strategy

Our Values

Consider using this if you need to provide more context on why you do what you do.


Rather than “manage your money”, We help you reclaim the ownership of your money by showing you how to take responsibility for your income potential.


As a newly minted high-income-earner you now have the ability to save and invest outside the conventional financial model that keeps you working longer.  

Work/Life Balance

Your family and your personal hobbies have had to take a back seat to your military duties for years. We help you avoid making this sacrifice again. 


After decades of military service it can be a struggle to find meaningful work unless you reposition your financial resources to support your purpose. 

Your Time

Money serves as a means to exchange value and can be earned back. Our focus is to safeguard your assets to maximize control of your time.

Your Talents

The easiest path to wealth is to lean into skills and experiences that allow you to make the greatest impact on others. We help you invest in yourself. 

Learn about US VetWealth’s journey.

Scott Tucker About Photo

Hello & Welcome!

I’m Scott R. Tucker, founder of US VetWealth and a former Army officer. My military background and education from West Point have been crucial in my mission to support high-income military retirees and veteran business owners.

Since starting US VetWealth with my wife, Jen Amos-Tucker, in 2016, we’ve introduced groundbreaking financial education and strategies like the “War Chest” strategy and the TSP Rollover Blueprint.

We’re more than just a wealth insurance firm; we’re your partners in leveraging military benefits to ensure a financially independent future.

Scott Signature

– Scott R. Tucker

Founder, US VetWealth

(FAQs) Frequently Asked Questions

At US VetWealth, the War Chest Strategy represents a paradigm shift from conventional financial planning goals to a more robust, system-based approach. This strategy is particularly suited to the modern economy’s unpredictability and is tailored to the unique benefits you’ve earned as a military retiree. Our focus is on secure money strategies involving life insurance and annuity policies, entering you into contracts with major US insurers that traditionally serve high-net-worth individuals. This approach is grounded in your proven income-generating abilities, not on the speculative nature of stock market investments. 

The War Chest Strategy comprehensively addresses the most critical risks affecting your retirement savings: market volatility, taxation, excessive fees, income distribution, and advisory uncertainties. By insuring both your assets and income, this strategy liberates you from financial worries, enabling you to concentrate on what truly impacts your life – be it a new career path, entrepreneurial ventures, quality family time, or a peaceful and fulfilling retirement.

Discovering if you qualify for an SBP alternative is simpler than you might think. The Survivor Benefit Plan (SBP) is a one-size-fits-all solution, charging a uniform 6.5% rate for all military retirees, regardless of health. However, if you’re in good health, you might be paying more than necessary. We offer a streamlined underwriting process to assess if you qualify for a private life insurance solution, which could lead to more favorable rates and enhanced financial security during your retirement years.

It’s not just about qualification; it’s about finding a solution that aligns perfectly with your health status and financial goals. Let’s explore your options together for a more tailored and cost-effective retirement plan.

Converting your TSP into a guaranteed lifetime income requires a strategic approach. While the TSP annuity option might seem straightforward, it limits your financial flexibility by using your TSP principal solely for a COLA based fixed income stream and offers no legacy potential for your loved ones.

At US VetWealth, we recommend a more innovative and secure route: privatized annuities. This approach not only maintains your access to the principal but also ensures asset growth during your retirement years. Our strategy guarantees a lifetime income, safeguarded against market fluctuations and inflation, and dynamically adjusts to enhance your financial stability year after year. Plus, it includes a death benefit, ensuring that your family is protected financially, should you meet an untimely demise. It’s a comprehensive solution that respects both your present and future financial needs.

No. At US VetWealth, we recognize the unique financial journey of military retirees and have thus crafted an innovative approach that differs significantly from traditional financial planning. Our method is not a ‘done for you’ service where we take control of your assets and dictate your financial moves.

Instead, we believe in a partnership model – a ‘done with you’ approach. We view our role as that of a consultant, working alongside you and any existing financial advisors you may have. Our aim is to enhance and diversify your financial strategy, not to replace what you already have in place. By partnering with a wide array of life insurance carriers, we offer you the best insurance and annuity solutions without the extra fees typically associated with traditional financial planning. This approach ensures that more of your hard-earned money is invested in your future, right from the start.

Therefore, we proudly offer a complimentary strategy consultation tailored specifically for military retirees and active service members. We understand the unique challenges and questions you may face. This free consultation is designed to swiftly provide answers to your most urgent inquiries, ensuring you can confidently decide if our services align with your needs. It’s an opportunity to address key concerns, allowing you to focus on other critical aspects of your life, like transitioning to a new career or navigating VA disability claims.

Ready to take the first step? Click here to schedule your free consultation and embark on a path to clarity and peace of mind.

Yes, at US VetWealth, our services extend beyond the realm of traditional asset accumulation. We understand that certain situations call for advanced programs, including sophisticated estate planning solutions. Tailored to your unique needs, we collaborate with estate planners, lawyers, and CPAs to ensure a holistic approach to your financial future. While extra fees for these specialized services are highly unlikely, they may apply in certain complex scenarios.

Additionally, we offer a cutting-edge robo-advisor service through Betterment, providing you with a comprehensive financial dashboard. This platform allows you to manage your traditional savings and investments actively, with the flexibility to choose your portfolios. If you seek personalized guidance, our team is ready to assist. Though there is an asset management fee, as with any market-linked solution, we prioritize transparency and informed decision-making, ensuring you understand the market risks involved.

For those desiring an even more hands-on approach, we also offer financial coaching and consulting on a case-by-case basis. Schedule a call to learn more.

Join Our Members Area:

At US VetWealth, we’re committed to providing you with comprehensive resources and guidance. We invite you to join our Military Retirement Blueprint portal, a treasure trove of knowledge, absolutely free. Here, you can download insightful books such as “Don’t Forget Your War Chest” on the Survivor Benefit Plan and “The TSP to FIA Rollover Blueprint” for post-military retirement. But that’s just the start! As a member, you’ll gain access to our monthly office hours, workshops, and continually evolving programs. Join a community of over 500 military retirees who are already maximizing these resources. 

Your transition into military retirement brings a profound financial revelation, as we’ve seen in our 15 years of guiding military retirees at US VetWealth. The moment you start receiving your military pension and witnessing your savings grow, you’ll realize a crucial fact: you are now among the top 10% of U.S. income earners.

This isn’t just a statistic—it’s a game-changer for your wealth management strategy. Traditional financial planning, primarily designed for those on a fixed income, doesn’t align with your new reality. As a military retiree, especially in your 40s or 50s, you have a unique advantage. You have the opportunity to further develop your capabilities, grow your professional connections, and pursue additional income avenues, all on top of the pension you’ve earned. This phase of life calls for a dynamic, forward-thinking approach to financial planning, one that leverages your distinguished career and paves the way for continued financial growth and security.

Average annual salary of high-income earners in the U.S.:

  • Top 10% = $248,610
  • Top 5% = $390,209
  • Top 1% = $1,199,812

The financial guidance available to active duty military personnel is predominantly designed for those in the earlier stages of their careers, focusing on the needs of younger service members and their families. This advice is crucial during those formative years, but as you progress, your financial requirements evolve. By finding US VetWealth, you’ve identified yourself as part of an exclusive group – the top 10% of military personnel who have achieved a level of success beyond the ordinary. Our firm exists because we recognized a critical gap in services for military retirees, particularly those in higher ranks or with longer service. Often, the assumption is that these individuals are well-off and have fewer concerns. However, the reality is that they face just as many, if not more, critical financial decisions. US VetWealth is dedicated to providing specialized, privatized wealth management solutions that are perfectly suited to your unique situation, helping you navigate this pivotal stage with confidence and ease.

At US VetWealth, we distinguish ourselves by not just being financial advisors but acting as specialized consultants dedicated to serving you, the military retiree. Our approach is unique because we offer access to an exclusive blend of industry knowledge and licensed professional expertise, tailored specifically to the needs of the military retiree community. Unlike traditional financial planners or money managers who aim to be a jack-of-all-trades, we focus solely on you. We’re not in the race to accumulate clients; our goal is to connect with the right clients. We understand the importance of a perfect fit, and if we’re not the best match for your needs, we’ll be upfront about it, ensuring you don’t waste a moment of your valuable time.