C. L. Sheldon & Company, LLC

C. L. Sheldon & Company, LLC 100% Focused on the Other 1%. Fee-only Financial Planning and Wealth Management for Military Officers.

"If we can't get Needs covered and if minor changes won't help with Wants and Wishes, then you might not have the capaci...
05/03/2026

"If we can't get Needs covered and if minor changes won't help with Wants and Wishes, then you might not have the capacity to accept the level of risk associated with the original portfolio design."

Risk tolerance steals all the headlines, but it really is only one-third of the equation. Make sure you consider the other 2 dimensions of portfolio risk.

"Higher Military Rank or Working after Military Retirement May Goof Up Your Plan."
05/02/2026

"Higher Military Rank or Working after Military Retirement May Goof Up Your Plan."

If Savings Bonds are used to pay for college expenses, the interest on them could be tax free. But as you progress through the ranks of the military or if you retire from the military and start a second career, you might earn your way out of the benefit.

Transition Tax Topics: Mind Your W-4"And when it's all said and done, if you're hitting around 150,000, $160,000 worth o...
05/01/2026

Transition Tax Topics: Mind Your W-4

"And when it's all said and done, if you're hitting around 150,000, $160,000 worth of income, you should expect to withhold somewhere around $20,000 in total taxes."

You would think that withholding taxes from your new job after retiring from the military would be a pretty simple thing. It's not. And, if you don't get it right, you could be looking at stroking a check for $6,000 - $7,000 to pay the taxes for your first full year in retirement.

Everyone talks about probate avoidance. What other superpower do trusts have? "Cutting" the cost of college. Plus more i...
05/01/2026

Everyone talks about probate avoidance. What other superpower do trusts have? "Cutting" the cost of college. Plus more in this month's Financial Strategies.
https://conta.cc/49aLIWH

Email from C.L. Sheldon & Company, LLC Many people think about trusts and how they can be used to avoid probate.     Call Us: (703) 542-4000 View Our Services   Greetings! Welcome to the May edition o

Ever wonder what it would be like to work for a "Think Tank"? John Venable knows the answer to that question.
05/01/2026

Ever wonder what it would be like to work for a "Think Tank"? John Venable knows the answer to that question.

JV Venable talks about his career transition from active duty as a Colonel to positions in the defense industry, at a start-up and ultimately at the Heritage Foundation.

Using Savings Bonds to pay for college expenses can be a good idea. There are limitations though.
04/30/2026

Using Savings Bonds to pay for college expenses can be a good idea. There are limitations though.

If Savings Bonds are used to pay for college expenses, the interest on them could be tax free. But as you progress through the ranks of the military or if you retire from the military and start a second career, you might earn your way out of the benefit.

"Most of us during our time on active duty think or maybe even dream about the forever house."
04/30/2026

"Most of us during our time on active duty think or maybe even dream about the forever house."

Have you considered high tech additions for your "forever" home? Here are some to consider for your post-military retirement home.

One of the LIMFACS of TSP is the inability to convert pre-tax/traditional balances to Roth. That will change in the not-...
04/29/2026

One of the LIMFACS of TSP is the inability to convert pre-tax/traditional balances to Roth. That will change in the not-too-distant future.

Should you convert your TSP from pre-tax (Traditional) to Roth? Well, right now you can't do it. But you will be able to do so in the future. Here's a primer to get you thinking about it.

Tuesday Tax Topic"Once you understand the gift tax rules, you can begin to see ways that you might be able to shift asse...
04/28/2026

Tuesday Tax Topic

"Once you understand the gift tax rules, you can begin to see ways that you might be able to shift assets and future income to a family member, as an example, and reduce the family's overall tax burden."

Active and Retired Senior Military Officers and NCOs are often confused on how gift taxes work. They can be a little complicated. Here are some basics.

You may think that your time at a service academy doesn't count for much. In many cases that is true, but not if you wor...
04/27/2026

You may think that your time at a service academy doesn't count for much. In many cases that is true, but not if you work for the Federal Government.

Most of us think our time at a service academy doesn't get us much other than an education. But if you work for the Federal Government after retiring from the military, it could be worth more.

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Alexandria, VA
22314

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