Operation Retirement Readiness

Hosted by Mike Hunsberger &amp; Amy King

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May 2026

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Amy & Mike, 2 CERTIFIED FINANCIAL PLANNER™ Professionals, talk about how military members can prepare for transition and how Veterans can prepare for ultimate retirement. Topics include: military benefits like SGLI, Survivor Benefit Program, Thrift Savings Plan, and GI Bill as well as budgeting, investing, taxes, and college planning. Disclaimer: This podcast represents the views of the hosts and guests. It's for informational purposes only and should not be considered tax, financial, or legal advice. All information is regarded to be from reliable sources. It is not individual advice.

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May 13, 2026Episode 1734 min

Avoiding Costly Financial Decisions During Transition with Stacy Miller S2 E17

In this insightful interview, Stacey Miller from Bayview Financial shares expert advice on managing financial transitions, especially for military families. She discusses emotional and technical aspects of decision-making during life changes like retirement, divorce, or loss of a spouse, offering practical tools to navigate these challenges effectively.Chapters00:00 Introduction to Financial Transitions07:07 Understanding Transitions and Decision Fatigue14:02 Techniques for Managing Transitions20:07 The Emotional Aspects of Financial Decisions26:18 Preparing for Future Transitions31:22 Key Decisions to Delay in Retirement PlanningKey TopicsEmotional and technical aspects of financial decisionsTools for decision-making during transitionsStages of life transitions and emotional impactImportance of seeking fiduciary financial adviceStrategies to manage decision overloadYou can contact Stacy Miller at https://bayviewfp.com/Operation Retirement Readiness: www.operationretirementreadiness.comSchedule a consultation with Mike: https://nextmissionfinancialplanning.com/contact/ Schedule a consultation with Amy: https://www.instarfp.com/contactDisclaimer: This podcast represents the views of the hosts and any guests. It is for informational purposes only and should not be considered tax, financial, or legal advice. All information is regarded to be from reliable sources. The hosts are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional, individualized advice.

April 30, 2026Episode 1632 min

MOAA Membership Benefits with Lila Quintiliani - S2E16

This episode features Lila Quintiliani from the Military Officers Association of America (MOAA), discussing the organization's role in advocating for military benefits, providing resources for transitioning service members, and supporting veterans through charitable programs. Learn about how MOAA helps with benefits education, career transition, and charitable relief efforts.Key TopicsMOAA's legislative advocacy for military benefitsResources for military transition and retirementCharitable relief and scholarship programs for military familiesChapters00:00 Introduction to MOAA and Lila Quintiliani04:47 Understanding MOAA's Mission and Membership07:31 Financial and Benefits Counseling Services10:32 Transitioning from Military to Civilian Life13:40 Navigating Medical Benefits and Medicare16:40 MOAA Charitable Programs and Crisis Relief20:36 Engaging with MOAA and Educational Resources23:46 Personal Reflections and Insights from Lila27:35 Conclusion and Resources for VeteransYou can find out more information about MOAA at www.moaa.org MOAA Call Center - 800-234-6622Operation Retirement Readiness: www.operationretirementreadiness.comSchedule a consultation with Mike: https://nextmissionfinancialplanning.com/contact/ Schedule a consultation with Amy: https://www.instarfp.com/contactDisclaimer: This podcast represents the views of the hosts and any guests. It is for informational purposes only and should not be considered tax, financial, or legal advice. All information is regarded to be from reliable sources. The hosts are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional, individualized advice.

April 16, 2026Episode 1244 min

S2E15 - Tax Returns for Military Families

In this episode, Amy and Mike explore the critical aspects of reviewing and understanding your tax return, especially for military families. They discuss key numbers like adjusted gross income, common mistakes, deductions, credits, and strategic planning tips to optimize tax outcomes.Key TopicsReviewing tax returns for accuracyUnderstanding adjusted gross income (AGI)Common tax mistakes for military familiesMaximizing deductions and creditsStrategic tax planning for retirement and transition yearsChapters00:00 Understanding Tax Returns: An Overview02:16 Key Components of a Tax Return05:08 Income Surprises for Military Families08:18 Deductions vs. Credits: What You Need to Know11:03 Planning for Future Tax Years14:02 State Tax Nuances for Military Families17:03 Maximizing Tax Credits20:22 Common Mistakes and How to Avoid Them23:14 The Importance of Reviewing Your Tax ReturnNote: The tool noted at 01:50 is not AI. Please do not put tax returns in AI. Operation Retirement Readiness: www.operationretirementreadiness.comSchedule a consultation with Mike: https://nextmissionfinancialplanning.com/contact/ Schedule a consultation with Amy: https://www.instarfp.com/contactDisclaimer: This podcast represents the views of the hosts and any guests. It is for informational purposes only and should not be considered tax, financial, or legal advice. All information is regarded to be from reliable sources. The hosts are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional, individualized advice.

April 8, 2026Episode 1432 min

Combat Zone Tax Exclusion TSP Contributions with Becky Noss

In this detailed interview, Becky Noss from Healthy Wealth Financial explains the complexities of Combat Zone Tax-Exclusion (CZTE) contributions to the TSP, especially for military personnel deployed in combat zones. Learn how to maximize benefits, avoid common pitfalls, and ensure proper handling of CZTE funds to optimize your retirement planning.TakeawaysAlways verify your LES and benefits to ensure correct CZTE crediting.Work with a military-savvy financial advisor to navigate complex rules.Understand that growth on CZTE contributions is taxable, contrary to common misconceptions.Plan your contributions based on your deployment length and financial goals.Use in-plan conversions to optimize tax benefits during deployment.Chapters00:00 Introduction to Combat Zone Tax Exempt Contributions10:14 Tax Implications of CZTE Money17:38 Protecting Yourself from Tax MisstepsBecky Noss - https://www.healthywealthfinancial.com/Operation Retirement Readiness: www.operationretirementreadiness.comSchedule a consultation with Mike: https://nextmissionfinancialplanning.com/contact/ Schedule a consultation with Amy: https://www.instarfp.com/contactDisclaimer: This podcast represents the views of the hosts and any guests. It is for informational purposes only and should not be considered tax, financial, or legal advice. All information is regarded to be from reliable sources. The hosts are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional, individualized advice.

March 25, 2026Episode 1357 min

TSP In-Plan Roth Conversions w/ Rob Moore

Join us as Rob Moore from Everman Wealth and Prosperity discusses the ins and outs of in-plan Roth conversions within the TSP. Learn who should consider this strategy, the tax implications, and how to navigate the complexities for optimal retirement planning.Key TopicsIn-plan Roth conversions within the TSPTax implications and planning for Roth conversionsStrategies for filling tax brackets and managing RMDsChapters00:00 Introduction to TSP In-Plan Roth Conversions04:13 Understanding Traditional vs. Roth TSP Accounts07:00 The Mechanics of Roth Conversions09:57 Tax Implications of Roth Conversions12:53 Strategizing Roth Conversions16:00 Roth Conversions During Deployment19:07 Roth Conversions for Military Retirees21:50 State Tax Considerations for Roth Conversions24:56 Framework for Deciding on Roth Conversions28:56 Tax Rate Arbitrage and Roth Conversions31:24 Diversification Among Account Types32:20 Tax-Free Gifts to Heirs33:21 Understanding Marginal vs Average Tax Rates37:42 The Five-Year Rule Explained43:35 Cash for Tax Payments on Conversions49:28 Scenario Analysis for Roth Conversions51:20 Key Takeaways on Roth StrategiesRob's Website - https://www.prosperwitheverman.com/ Rob’s Podcast – The Fiscal Foxhole – Find it on your favorite podcast appOperation Retirement Readiness: www.operationretirementreadiness.comSchedule a consultation with Mike: https://nextmissionfinancialplanning.com/contact/ Schedule a consultation with Amy: https://www.instarfp.com/contactDisclaimer: This podcast represents the views of the hosts and any guests. It is for informational purposes only and should not be considered tax, financial, or legal advice. All information is regarded to be from reliable sources. The hosts are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional, individualized advice.

March 12, 2026Episode 1239 min

Starting a Business with Katy Stevick - S2E12

In this episode, Katy Stevick shares her expertise on transitioning from military service to entrepreneurship, covering financial planning, business startup strategies, and resources tailored for military families and veterans.Chapters00:00 Introduction to Business After Military Service03:48 Understanding the Purpose of Your Business06:41 Financial Preparation for Business Launch10:05 Navigating Income Fluctuations as a Business Owner12:52 Setting Realistic Expectations for Business Success15:42 Retirement Planning for Business Owners18:58 Evaluating Business Viability and Exit Strategies21:43 Utilizing Resources for Business Startups24:59 Advice for Transitioning Service Members27:55 Conclusion and ResourcesKey TopicsTransition from military to entrepreneurshipFinancial planning for business ownersResources for military families and veteransLinksKaty’s Firm: https://www.alignfinancialplanning.com/Katy’s Bed & Breakfast in Fayetteville: Macpherson House https://www.macphersonhouse.com/Military Spouse Employment Partnership: https://msepjobs.militaryonesource.mil/msep/MySECO: https://myseco.militaryonesource.mil/portal/Operation Retirement Readiness: www.operationretirementreadiness.comSchedule a consultation with Mike: https://nextmissionfinancialplanning.com/contact/ Schedule a consultation with Amy: https://www.instarfp.com/contactDisclaimer: This podcast represents the views of the hosts and any guests. It is for informational purposes only and should not be considered tax, financial, or legal advice. All information is regarded to be from reliable sources. The hosts are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional, individualized advice.

February 25, 2026Episode 1142 min

Military Transitions from the Spouse’s Perspective - Season 2 Ep 11

In this insightful conversation, Vanessa Alanis shares her experiences as a military spouse and financial planner, discussing the emotional and financial challenges of transitioning from military life. She emphasizes the importance of early financial planning, the emotional aspects of identity loss, and the need for open communication between spouses during this significant life change. Vanessa also offers valuable advice for military spouses looking to rebuild their careers and highlights the importance of community support and networking.TakeawaysThe transition from military life is emotionally intense.Identity loss is a significant challenge during transition.Financial planning should start early and be ongoing.Open communication between spouses is crucial during transition.Military spouses have valuable skills and should recognize their worth.Networking within the military community can provide support and resources.It's normal to feel overwhelmed during the transition process.Understanding cash flow and financial management is essential.Health insurance can become complicated post-transition.Take time to explore career options and be patient with yourself.Chapters00:00 Introduction to Transitioning from Military Life06:08 The Emotional Impact of Transition12:04 Financial Planning for Transition17:49 Navigating Career Changes Post-Military24:09 Advice for Military Spouses30:02 Vanessa's Journey to Financial Planning36:02 Final Thoughts and Key TakeawaysYou can contact Venessa Alanis at Blackdogwealth.comOperation Retirement Readiness: www.operationretirementreadiness.comSchedule a consultation with Mike: https://nextmissionfinancialplanning.com/contact/ Schedule a consultation with Amy: https://www.instarfp.com/contact Disclaimer: This podcast represents the views of the hosts and any guests. It is for informational purposes only and should not be considered tax, financial, or legal advice. All information is regarded to be from reliable sources. The hosts are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional, individualized advice.

February 11, 2026Episode 1045 min

TSP Investment Options with Omen Quelvog - S2 Ep 10

In this conversation, Omen Quelvog from Formynder Wealth Management discusses the Thrift Savings Plan (TSP) and its various investment options, including core funds and lifecycle funds. The discussion covers the characteristics of each fund, their risk profiles, and how to effectively allocate assets within the TSP. Omen emphasizes the importance of understanding one's investment strategy and not overcomplicating the investment process. The conversation also touches on the unique aspects of the G fund, the potential risks and rewards of the S fund, and the benefits of using lifecycle funds for those who prefer a hands-off approach to investing.Chapters00:00 Introduction to Omen Quelvog and Formynder Wealth Management04:02 Overview of the Thrift Savings Plan (TSP) Funds06:50 Deep Dive into the C Fund: Large Cap Investments08:29 Exploring the S Fund: Small Cap Opportunities12:21 Understanding the I Fund: International Investments16:19 The F Fund: Fixed Income Insights21:23 Understanding the G Fund: A Unique Investment Option23:58 Exploring Lifecycle Funds: The Easy Investment Solution30:39 Investment Philosophy: Tailoring Portfolios for Clients35:30 Navigating Lifecycle Funds: Glide Paths and Risk Management42:02 Crafting a Portfolio: Core vs. Lifecycle FundsTakeawaysTSP offers a variety of investment options including core and lifecycle funds.The C fund is often considered the foundation of a TSP portfolio.The S fund provides exposure to small-cap stocks, which can be riskier but offer potential rewards.The I fund includes international investments, which can enhance diversification.The F fund is a bond fund that provides fixed income exposure.The G fund is unique as it is tied to the US Treasury rate, offering stability.Lifecycle funds automatically adjust risk based on the target retirement date.Investors should consider their risk tolerance and investment timeline when choosing funds.It's important to understand how different funds work together in a portfolio.Investing in TSP is beneficial, and simplicity is key to effective management.You can reach out to Omen Quelvog at 4myndr.comOperation Retirement Readiness: www.operationretirementreadiness.comSchedule a consultation with Mike: https://nextmissionfinancialplanning.com/contact/ Schedule a consultation with Amy: https://www.instarfp.com/contact Disclaimer: This podcast represents the views of the hosts and any guests. It is for informational purposes only and should not be considered tax, financial, or legal advice. All information is regarded to be from reliable sources. The hosts are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional, individualized advice.

January 29, 2026Episode 934 min

The Military to Government Civilian Transition S2E9

This conversation explores the transition from military service to federal employment, focusing on the benefits, complexities, and considerations involved. Amy shares insights on military and federal benefits coordination, buyback options for military service, health care considerations, retirement income streams, survivor benefits, and special considerations for reservists. The discussion emphasizes the importance of understanding the nuances of both systems to make informed decisions for a secure financial future.TakeawaysMany military members transition to federal employment for familiarity and benefits.There is significant overlap between military and federal benefits that can be coordinated.Understanding military service buyback options is crucial for maximizing retirement benefits.Annual leave accrual differs between military and federal employment, with specific rules for each.Retirement income streams can be complex, with various pensions and tax implications to consider.The military survivor benefit program is generally more generous than federal options.Reservists have specific protections and benefits that differ from active duty members.It's important to do thorough research and seek advice when transitioning to federal employment.Understanding the timing of pension benefits is key to financial planning.Just because a benefit is available doesn't mean it's the best choice for everyone.Chapters00:00 Transitioning from Military to Civilian Employment03:08 Understanding Military and Federal Benefits05:59 Navigating Buyback Options for Military Service09:03 Annual Leave and Health Care Considerations11:59 Retirement Income Streams and Tax Implications14:56 Survivor Benefits: Military vs. Federal17:58 Special Considerations for Reservists20:58 Final Thoughts on Federal Employment After Military ServiceYou can register for Amy’s webinar here.https://events.teams.microsoft.com/event/9746255a-786d-48d8-bb9f-61023945bea8@8190aedd-e648-4bc2-bfeb-d25a944d2b64Operation Retirement Readiness: www.operationretirementreadiness.comSchedule a consultation with Mike: https://nextmissionfinancialplanning.com/contact/ Schedule a consultation with Amy: https://www.instarfp.com/contact Disclaimer: This podcast represents the views of the hosts and any guests. It is for informational purposes only and should not be considered tax, financial, or legal advice. All information is regarded to be from reliable sources. The hosts are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional, individualized advice.

January 14, 2026Episode 840 min

Season 2 Episode 8 - Buying Your New Home with Traci Crawford

In this episode, Mike and Amy speak with Tracy Crawford, a realtor in Jacksonville, Florida, who shares her journey from being an Army nurse to a real estate professional. Tracy discusses the importance of education in the home buying process, especially for military families navigating VA loans and the complexities of closing costs. She highlights recent changes in real estate practices, the roles of buyer and seller agents, and offers insights on how to find the right realtor. Tracy also addresses the decision-making process between renting and selling a home, emphasizing the importance of connecting with trustworthy professionals in the industry.Chapters00:00 Introduction to Real Estate and Military Transitions06:36 Understanding the Home Buying Process11:27 Navigating Changes in Real Estate Practices16:31 The Role of Buyer and Seller Agents21:40 Preparing for a Move: Timing and Research21:43 Understanding Home Buying Timelines22:48 Choosing the Right Realtor25:49 Virtual Home Buying Experience28:18 Criteria for Selecting a Realtor29:00 Sell vs Rent: Making the Right Decision32:08 The Value of a Realtor's Network34:05 Final Thoughts on Real Estate TransactionsTakeawaysTracy emphasizes the importance of education in the home buying process.Military families often overlook closing costs when using VA loans.Recent changes in real estate practices focus on transparency.Buyers can negotiate the commission for their agents.The relationship between a realtor and client is crucial for a successful transaction.Timing is key for transitioning service members to start their home search.Finding a military-friendly realtor can ease the home buying process.Renting may be a better option for some military families than selling.Realtors can provide valuable connections to other professionals in the industry.Knowledge is power, and sharing it helps military families make informed decisions.You can reach Traci at her website https://newlifetimememories.com/ or email her at tracicrawford@newlifetimememories.comOperation Retirement Readiness: www.operationretirementreadiness.comSchedule a consultation with Mike: https://nextmissionfinancialplanning.com/contact/ Schedule a consultation with Amy: https://www.instarfp.com/contact Disclaimer: This podcast represents the views of the hosts and any guests. It is for informational purposes only and should not be considered tax, financial, or legal advice. All information is regarded to be from reliable sources. The hosts are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional, individualized advice.