Your Mission. Your Wealth.
Specialist, fee-only financial planning for O-5 and above - built around the benefits, pensions, and decisions that define a military career, not adapted from a civilian template.
A senior military career creates a financial picture unlike any civilian's. The interaction between military pension, TSP, Survivor Benefit Plan, VA compensation, and investment assets creates decisions - several irreversible - that most financial advisers encounter for the first time when you sit down with them. Simon has practised as a fee-only fiduciary adviser since 2012. Hudson House Capital was established in 2025 - built deliberately on those same principles. The firm is new. The conviction behind it is not.
The decisions a senior officer cannot afford to get wrong
Survivor Benefit Plan Election
SBP is elected once at retirement and is essentially irrevocable. The premium, coverage value, and VA DIC interaction must be modelled - not defaulted. Elected incorrectly, this decision cannot be reversed.
Working With a Non-Fiduciary Adviser
Commission-based advisers are permitted to recommend what is 'suitable' - not optimal. At O-5/O-6 asset levels, this has lasting financial consequences.
Estate & Beneficiary Gaps
Military benefit elections interact directly with estate planning - SBP designations, TSP beneficiary forms, and VA coordination must be reviewed as a whole.
VA Compensation & CRDP/CRSC
Many retiring officers leave significant compensation unclaimed or elect the wrong concurrent receipt programme. Errors compound across a 20-year retirement.
TSP Drawdown & Roth Timing
The Roth conversion window sits in the first years after separation - typically 2-5 years wide. It doesn't reopen.
Transition Planning Started Too Late
The best time to coordinate pension election, TSP positioning, and investment structure is 12-24 months before separation - not in the final weeks before signing orders.
What we cover
TSP optimisation and drawdown sequencing
Roth conversion timing and window management
Survivor Benefit Plan cost-benefit analysis
VA compensation - CRDP vs. CRSC election
Military pension election and COLA planning
TRICARE continuity planning
Social Security timing relative to pension income
Transition and career-end planning (12-24 months out)
Investment portfolio construction and management
Estate planning and beneficiary coordination
Second-career income integration
Written financial plan, reviewed annually
What Working With Us Looks Like
Reliability - We know what SBP is, how CRDP and CRSC interact, and what the TSP G Fund does - before you explain it. Recommendations are in writing and revisited as your situation evolves. Assurance - Fee-only since 2012. SEC-registered. Fiduciary standard. Assets held independently at Charles Schwab. Tangibles - A written financial plan. Structured meetings. Clear documentation of every recommendation. Empathy - We understand what a career at that level costs and produces. We do not need the full brief. Responsiveness - When a benefit question arises, or a decision needs to be made, you have direct access to us.
A personal note
My family connection to Barnes Wallis - designer of the Upkeep bouncing bomb carried by 617 Squadron on the Dambusters raid - has given me a lifelong respect for what precision under operational pressure demands. The raid succeeded because every calculation was exact and the margin for error was zero. I think about that when working through an SBP analysis or a TSP drawdown model. The standard is the same. Among those who flew the raid was Joe McCarthy, a pilot from New York who brought his crew home. It is a detail that resonates — particularly when working with American servicemen and women.
Ready to talk about what you've earned?
A no-obligation, 30-minute introductory conversation. No preparation required. No sales pitch.