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Active Duty Servicemembers
Plan for milestone transitions, maximize your military benefits, and build a financial foundation that survives the move to civilian life.
Plan My Military Transition →Exclusively for military families, veterans & their spouses
Financial Clarity for the Next Chapter of Your Life.
Personalized fiduciary guidance built specifically for military benefits, pensions, and legacy planning.
- No obligation
- 30-minute clarity call
- No sales pressure
As Seen In
Who We Serve
Guidance Built for Every Stage of Military Life
Your financial decisions evolve as your service does. Our planning is built around where you are today — and where you're headed next.
Veterans & Retirees
Navigate the transition to retirement with confidence — optimize your pension, TSP, VA benefits, and healthcare planning.
Secure My Retirement →Military Spouses
Whether you're managing family finances during deployment or planning your own career, we provide guidance that adapts to your life.
Manage My Family's Future →Why AAFMAA Wealth Management & Trust
Fiduciary Wealth Management for Military Families
Chart your course. Build your wealth. Preserve your legacy. You deserve fiduciary financial planning designed for military families that always puts your best interests first.
At AWM&T we are legally required to act in your best interest. No commissions, no proprietary products, no conflicts. That has been our mission since day one.
About AWM&TFiduciary Standard
Legally bound to act in your best interest — always.
Military-Focused Expertise
We understand TSP, SBP, VA benefits, and military pensions.
No Conflicts of Interest
No commissions, no proprietary products — just objective guidance.
What We Do
Comprehensive Services for Military Families
Every service we offer is designed around the unique financial realities of military life — from active duty through retirement and legacy planning.
Retirement Income Planning
Maximize your TSP, military pension, VA disability benefits, TRICARE, SBP coverage, and Social Security. We build a retirement income strategy around your specific benefits and timeline.
Explore Retirement Planning →Investment Management
Custom investment portfolios managed with fiduciary care — designed around your risk tolerance, timeline, and your family's long-term financial security.
Explore Investment Management →Trust & Estate Services
Protect your legacy with estate planning, trust administration, and wealth transfer strategies designed for military families.
Explore Trust Services →How It Works
A Clear, Structured Path Forward
We remove uncertainty by guiding you through a consistent, step-by-step planning process.
1
Discovery Conversation
We listen. We review your assets, service history, and financial picture to understand where you are and where you want to be.
2
Personalized Strategy
We design a retirement and wealth plan tailored specifically to your military benefits, goals, and timeline.
3
Implementation
We coordinate investments, benefits optimization, and documentation with precision — no loose ends.
4
Ongoing Partnership
Your plan evolves with you. We provide continued guidance and dedicated oversight for the long term.
Member Stories
What Our Members Are Saying
“I have worked with your staff for almost 9 years now and each one of them have been very helpful and answered my questions in a professional manner. I have been pleased with the return on my investments during this time.”
Member, AWM&T — FloridaRetired Military Spouse · Investment Management
“My team has been very responsive and focused on our priorities. This year, we decided to better consolidate our investments and the AAFMAA team ensured we had the information and process necessary to make that happen. We are comfortable with our team and the financial planning strategy in place.”
Member, AWM&T — VirginiaActive Duty · Financial Planning & Investment Management
“Estate planning can be complex, but they simplified every step. Now I sleep better knowing my family's future is protected exactly how I want it.”
Member, AWM&T — North CarolinaRetired Officer · Trust Services