You're flying the plane.
We help you see the full picture.
Flying the line. Leaving the military. Running a business at full throttle. Whatever the climb, you're the one doing it. When your focus is on being successful, you may not have the bandwidth to watch everything at once. Rose Financial Management is your second set of eyes: understanding where you want to go, and making sure nothing important is missed on the way there. Better information, better decisions.
Airline pilots · Military & veterans · High performers with concentrated expertise · Serving clients nationwide
A plan only one person understands
isn’t finished.
Our common thread is not your job title. It is demanding, specialized work, and a division of labor at home where one person ends up managing the finances. That is efficient, and it works right up until it has to work without them. We plan for the whole arc and the entire household, because the decisions that compound the longest are the ones made decades earlier.
Airline pilots
You're technical and highly skilled, flying demanding schedules with a Federally-mandated retirement date. Airline retirement plans, the age-65 horizon, the throttle-back decade of flying less before you stop, and the questions underneath it all: what kind of lifestyle can your investments support, and could your family carry on without you at the controls?
Military & veterans
One continuum, from active duty through the transition out. Active-duty pay, TSP, SGLI, and PCS moves across state tax lines, then the separation itself: SGLI conversion windows, VA claims, what to do with your TSP, and the pay gap between the last military paycheck and the first civilian one. A sequence of deadlines that rewards preparation, years before it arrives.
High performers with concentrated expertise
Athletes, physicians, engineers, business owners, and senior professionals whose careers demand everything and whose households often depend on expertise only one person holds. Complex compensation, concentrated risk, and the plan that makes sure the whole family is ready for whatever comes next.
Our job is
information, not control.
Kevin spent fourteen years flying for the Air Force, and the practice borrows its philosophy from the tower: air traffic control doesn't fly the airplane, it gives the pilot critical information. You make the decisions. You live the life. Our job is to keep you informed about the things you can't see from your seat.
What's coming, not what happened
Most financial reviews look backward at last year's returns. Ours look forward at the next decision: the tax year ahead, the transition on the horizon, the election window that closes in ninety days.
We speak your language
TSP, SGLI, SBP, BAH, PCS, seniority lists, NIL collectives and brand deals. Whichever world you come from, you will never have to explain it to us before we can help you plan for it.
You stay in the seat
We default to advising you on a non-discretionary basis. We recommend, you decide, and nothing moves in your accounts without your consent. That is the structure of the relationship, not a slogan.
High-stakes transitions,
handled in sequence.
Financial lives don't move in a straight line. They move through transitions, and each one carries a set of decisions with real deadlines. We're here to help work through these major life moments.
Leaving active duty
The 12 months around separation: SBP election, SGLI to VGLI, TRICARE transition coverage, the TSP decision, VA disability claims, and bridging the income gap.
The first real contract
An NIL deal, a signing bonus, a first big commission. Money that arrives early and fast, with taxes and decisions nobody briefed you on. The structure you set up now decides how much you keep and how hard it works for you.
The Upgrade
Putting on Captain's bars, promotion, partnership, the move from regional to major. Income steps up sharply, and so does the tax bill. The step-up years are where tax-smart saving decisions compound the most.
Family milestones
Marriage, divorce, a first home, children, a spouse returning to work. Each one changes the plan, and each one is easier when you're working with a plan.
"A goal without a plan is just a wish."Antoine de Saint-Exupéry · Aviator & Author
The knowledge base builds
your foundation.
Our Knowledge Base is public and organized around the life transitions our clients actually face. No gates, no email walls. It exists to help you understand what's coming next. If it's useful, share it. If not, let us know how it could be better.
Browse the Knowledge Base-
Checklist
The Financial Separation Checklist
→The time-sensitive moves after your last day in uniform, laid out as a runway of deadlines.
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Guide
What to Do With Your TSP After You Separate
→Your four options and the factors that usually settle them, then the bigger question of what these dollars should be doing next.
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Timeline
Money Moves in the 12 Months Around Separation
→A sequenced plan for the year that decides how your transition goes.
Start with a conversation,
not a commitment.
A discovery call is thirty minutes. We learn your situation, you learn how we work, and we both decide whether the fit is right. No pressure, no pitch.