These are my top recommended credit cards for this month. Some have $450-550 annual fees waived exclusively for US military personnel.

The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

I get dozens of emails a week from readers of this site. I try to respond to all of them as fast as possible, but my time is limited. If you have a question or a specific topic that you would like to discuss with me via email, Skype, or phone, and would like my undivided attention, I am offering military personal finance consulting on a limited basis.

I am not a registered investment advisor and therefore cannot provide financial advice related to securities. If you would like to talk to a fee-only Certified Financial Planner, check out Rob Aeschbach.

Some suggested topics for discussion:

  • Thrift Savings Plan (TSP): maximizing contributions, the various funds available, Lifecycle funds, G Fund
  • Early retirement and financial independence
  • Combat Zone Tax Exclusion
  • Buying vs. renting a home while on active duty
  • The new military Blended Retirement System (BRS)
  • Breaking through obstacles to financial success and starting to get ahead
  • Increase your savings rate
  • Debt freedom plans
  • Maximizing credit card points for free travel, airline tickets, and hotels
  • Bounce ideas off of someone on the path to financial independence

When you contact me, please provide as much detail as you feel comfortable with and I will let you know if I think I can be helpful. If at any time you aren't satisfied with the consultation, I offer a 100% refund policy.

What can you offer that's different?

Unlike most consultants, I'm still active duty. I go TDY, I deploy, I try to max out my TSP contributions every year, I file and approve DTS vouchers every month. I know the struggle because I do it too.

Since graduating university in 2010, my wife and I have increased our net worth by $350,000 by Aug 2016. We've paid off all of our debt and maxed out our retirement accounts by August. We save over 50% of my income and 90% of my wife's. We should be millionaires by the time we're 40. If this is something you want to achieve, let's talk.

I don't have any secret money making strategies, but I do have some knowledge, experience, and I'm living the life of the future financially independent servicemember now. Nearly everything I've learned has been from reading free books from the library or doing online research. I share everything I know for free on this site. You could do the 2000 hours of research and reading too, or you could tap my knowledge and experience in a concise consulting session.

Getting the most out of a consultation

A consultation with data yields the most productive conversations. Please sign up for Personal Capital,, or have data ready to share.

Why do I charge a fee?

My time is limited and valuable. Between family, work, deployments, TDYs, and this blog, I don't have much time for myself. There are a lot of demands on my time and a fixed supply. Classical economic theory says there should therefore be a high price on my time.

Please note that the US military does offer free financial counseling by accredited financial counselors through Military OneSource. They will meet with you in person or conduct the counseling over the phone. If you would like to schedule a meeting with them, see the website or call 800-342-9647.

Fee schedule

  • Basic Conversation: 1 hour – $125
  • In Depth Consultation: 2 hours – $200 (save 20%)

Most clients select the in depth consultation. It can be 2 solid hours or we can spread it over two sessions.

Next step

If you are interested in a consultation, please fill out the form below. I will contact you with payment details and once payment is received we can agree upon a time to meet via Skype video, audio-only Skype, or telephone.

AMEX Platinum With NO Annual Fees for US Military

Military SCRA MLA AMEX Platinum

Military servicemembers and spouses can get the American Express Platinum with NO annual fees.  Pick up your military annual fee waived card here!

Learn more about the AMEX military fee waiver.

The AMEX Platinum offers:

  • $550 Annual Fee WAIVED for US Military (and spouses)!
  • 60,000 Membership Rewards Points welcome offer
  • $200 credit for Uber rides (or Uber Eats!) annually
  • $200 airline fee credit
  • Centurion Lounge and Priority Pass Airport Lounge Access
  • NO foreign transaction fees

These benefits make it my top recommend card.

If you already have an AMEX Platinum card, check out the other AMEX cards, Chase credit cards, and this month's top recommended credit card bonuses, most with no annual fees for US military personnel.

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