Military Divorce Planning
Your service earned benefits that deserve specialist protection.
Military retirement, VA disability, SBP, and TRICARE follow federal rules most divorce professionals never encounter. We provide financial analysis built specifically for service members, veterans, and the spouses who stand beside them.
Why This Matters
A standard divorce analysis won't protect your military retirement.
Military retirement is governed by the USFSPA, the 10/10 rule, and DFAS procedures — not state law alone. A pension division that looks fair on paper can cost a spouse hundreds of thousands of dollars over a lifetime when the method, COLA treatment, or SBP election is wrong.
Whether you are an active-duty service member, a retiree, a veteran, or a military spouse, the decisions you make about your pension, VA benefits, and survivor coverage are often permanent. We help you make them with clarity and confidence.
Educational purposes only. Not legal advice. Not tax advice. Results vary based on individual circumstances. Please consult qualified legal and financial professionals regarding your situation.
Your Benefits, Understood
A military divorce plays by a different rulebook.
Federal law and DFAS procedures govern how military retirement, VA benefits, and survivor coverage are divided — and many of these decisions are irreversible. We help you see the whole board before you make a move that shapes decades of income.
Military Retirement & USFSPA
Under the Uniformed Services Former Spouses' Protection Act, your pension is divisible marital property — but only disposable retired pay counts, and the 10/10 rule governs whether DFAS pays the former spouse directly. We model coverture fractions, present-value offsets, and lifetime payout differences so the split is defensible.
VA Disability & CRDP/CRSC
VA disability compensation is generally not divisible, but it can reduce the divisible pension through a waiver — and CRDP or CRSC can restore some of that value. We trace how a disability rating shifts the money both spouses actually receive, before settlement is final.
Survivor Benefit Plan (SBP)
Without a former-spouse SBP election made within one year of divorce, an ex-spouse receives nothing when the retiree dies — even if they receive monthly pension. We model the 6.5% premium cost against decades of survivor security so the decision is informed, not rushed.
TRICARE & Health Coverage
TRICARE continuation for a former spouse depends on the 20/20/20 or 20/20/15 rules. Missing the eligibility window can leave a spouse without military health coverage overnight. We clarify who qualifies and weigh coverage against private alternatives.
BAH, Housing & VA Loan
Basic Allowance for Housing stops after divorce, changing monthly cash flow immediately. VA loan entitlement may be partially or fully restored, but only if used correctly. We assess keep-vs-sell, refinance, and entitlement recovery before you commit to a housing path.
Benefits That Don't Divide Evenly
From GI Bill transfer to commissary and exchange privileges, many military benefits follow the service member. We inventory what is divisible, what is lost, and what can be preserved — so nothing of value is left on the table in settlement.
How We Work
A process built around military retirement rules.
DFAS will not pay a former spouse directly unless the 10/10 rule is met, and SBP elections cannot be undone. Our process is designed to get pension division, VA offsets, and survivor elections right the first time — protecting decades of service-earned value.
Inventory Your Military Benefits
We map your retirement, VA disability rating, SBP status, TRICARE eligibility, GI Bill transfers, and BAH to establish a complete picture of what is at stake.
Model Pension & Benefit Division
We project how coverture fractions, fixed-dollar awards, and present-value offsets affect both spouses — in dollars, not generalities — across each scenario.
Project Long-Term Impact
We model retirement income, COLA growth, survivor coverage, and tax treatment over decades so you understand the true cost of each settlement option.
Strengthen Your Attorney's Case
You leave with a defensible financial plan and specific court-order language guidance your attorney can use to protect decades of service-earned value.
Service & Fee Structure
Three tiers, matched to your service record.
Every military divorce is different. Our tiered structure ensures you receive the right level of analysis for your rank, years of service, and case complexity — no more, no less.
Consultation
Service Members & Spouses Exploring Divorce
For active-duty, veterans, retirees, or military spouses who need a baseline assessment of their military and VA benefit situation.
Comprehensive Blueprint
Mid-Career Military Personnel
For service members or spouses who need a comprehensive financial divorce plan covering every military benefit and division scenario.
Complex Case
High-Ranking Officers & Complex Cases
For senior officers (O-3+), dual military-federal households, high net worth individuals, or highly contested cases with complex asset cross-overs.
Your $299 Strategy Session fee is credited toward your Blueprint if booked within 30 days.
Free · No obligation consultation
Educational purposes only. Not legal advice. Not tax advice. Results vary based on individual circumstances. Please consult qualified legal and financial professionals regarding your situation.
Your Next Mission
Take command of your financial future today.
Whether you served or stood beside someone who did, begin with the free, confidential assessment — or speak directly with a Veteran divorce financial strategist who understands what's at stake.