Watts Unified Solutions
    S. Alex Watts — distinguished African American financial leader shaking hands with a transitioning veteran couple in a modern sunlit office
    Veteran Owned & Operated

    The Veteran Wealth & Legacy Roadmap

    Transitioning from military service to civilian financial life requires a completely different playbook. Access the comprehensive roadmap to protect your pension, optimize your TSP, and secure your family's future.

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    Veteran Wealth Dashboard

    Personalize your inputs below and watch your numbers update live — then receive your custom roadmap instantly.

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    Your Personalized Score

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    Complete Module 1 to generate your score

    1

    Define Your Military Foundation

    Current Status

    Primary Financial Focus

    2

    Analyze Your Retirement Architecture

    Estimated High-3 Basic PayHigh-3 Pay is the average of your highest 36 months of basic pay. It forms the base of your retirement pension calculation under both the Legacy and BRS systems.$8,000/mo
    $4,000$15,000
    Expected Years of Service20 yrs
    20 yrs30 yrs
    Current TSP BalanceThe Thrift Savings Plan (TSP) is a federal retirement savings account for service members — similar to a 401(k). It grows through market-based investments but carries full market risk during downturns.$250,000
    $10,000$1,000,000
    Live Results
    MonthlyAnnual
    Traditional Legacy Pension(50% at 20 yrs)$4,000/mo

    LEGACY

    Blended Retirement SystemThe BRS replaced the Legacy system for those who joined after Jan 1, 2018. It reduces the pension multiplier from 2.5% to 2.0% per year of service, but adds government TSP matching contributions.(40% at 20 yrs)$3,200/mo

    BRS

    Pension Multiplier Gap-$800/mo

    Strategic Insight: The BRS introduces a 10% structural gap. Your private wealth architecture must bridge this shortfall.

    3

    Stress-Test Your Principal Protection (The Transition Critical Moment)

    Expected Market Correction-20%
    0%-40%

    A 0% floor guarantees your principal is never reduced during market downturns — so your retirement timeline is never delayed by volatility outside your control.

    Live Results

    Traditional Market-Exposed Capital

    ⚠️ Volatile Post-Separation

    $200,000

    Protected Private Allocation StrategyA private allocation strategy protects your principal from market losses with a 0% floor while providing a guaranteed lifetime income stream.

    🔒 Asset Principal Insulation

    $250,000

    Total Wealth Shielded from Loss

    +$50,000

    Strategic Reality:While in active military service, the TSP is an incredible tool to build your wealth. However, upon separation, leaving that capital fully exposed to sudden market drops risks your entire retirement timeline. True wealth preservation requires shifting your strategy from accumulation to protected, post-service guaranteed growth.

    4

    Project Post-Service Transition & Legacy Architecture

    See how your current TSP balance grows under three scenarios: market-exposed, FIA-protected, and a fully optimized wealth architecture. Hover or tap any point for exact figures.

    • Unprotected TSP
    • TSP Rollover to FIA (Guaranteed Income)
    • Optimized Private Architecture (FIA + IUL Cash Value)
    ⚠️

    The VGLI Premium Escalation vs. Private Wealth Architecture

    VGLI premiums escalate every 5 years with zero equity build. Shifting to an IUL locks in level costs, permanent protection, and tax-free cash value growth.

    Your Current Age45 yrs
    4075+
    Desired Coverage$400,000
    $100k$500k
    VGLI Monthly Premium
    (Increases exponentially)    $88
    IUL Level Premium IUL cash value grows tax-free under IRS Section 7702. It participates in market index gains without downside risk, and you can access your equity via tax-free policy loans.
    (Locked for life + builds equity)    $180

    Unprotected TSP Value (Year 20)

    $302,302

    Volatile, market-exposed balance.

    Rollover FIA Capital Value (Year 20)A Fixed Indexed Annuity (FIA) protects your principal from market losses with a 0% floor while providing a guaranteed lifetime income stream.

    $635,088

    Fully protected principal + guaranteed income.

    IUL Tax-Free Legacy AccumulationIndexed Universal Life (IUL) provides permanent life insurance protection with a cash value component that grows tax-free, creating a powerful legacy asset.

    $729,439

    Projected cash value & family legacy protection.

    * Projections use hypothetical assumptions. Actual results vary. Not financial advice.

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    Retirement & Legacy Specialist

    About S. Alex Watts

    S. Alex Watts — Founder, Watts Unified Solutions

    S. Alex Watts

    U.S. Army Veteran | Retirement & Legacy Specialist
    Founder, Watts Unified Solutions

    After serving in the U.S. Army, S. Alex Watts built Watts Unified Solutions to help people protect what they've worked hard to build. Today, he works with veterans, families, professionals, and business owners to create personalized retirement, wealth protection, and legacy strategies designed for long-term financial confidence.

    Retirement Income Engineering

    S. Alex Watts designs post-service income architectures that replace volatile market exposure with structured, guaranteed lifetime income — built specifically around military benefit timelines.

    Legacy & Estate Strategy

    From survivor benefit optimization to IUL-funded legacy transfers, every plan is engineered to ensure your family's financial security extends generationally — not just through your lifetime.

    Veteran-Centered Service Model

    Every engagement is built around your timeline, your benefits, and your family's legacy — not a generic financial product shelf. You served with precision; your retirement plan should reflect the same standard.

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