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Life at MSC isn’t typical, neither is your pay structure, your hitch schedule, or your retirement options.

You serve in one of the most vital roles in the maritime world, and your financial strategy should reflect that.

June Photo.MSC.jpg
June Photo.MSC.jpg

Let’s take the unknown out of your future.

You don’t need a cookie-cutter wealth management plan you need a team who understands how your world actually works. We’re fluent in the language of mariners long hitches, short-notice assignments, and tax forms that most advisors have never seen. We meet you where you are offering clear, practical guidance built for life at sea.

Schedule a complimentary Port Check-In to review your TSP, hazard pay planning, and long-term financial strategy.

From the Bridge to Retirement

 

A Financial Chart That Matches Your Mission

As someone who’s spent years away from home supporting U.S. forces and global missions, your career deserves a retirement plan that works just as hard.

We specialize in helping MSC mariners: 

  • TSP rollover strategies and post-retirement withdrawal plans Tax-efficient planning with hazard pay
     

  • Coordinating retirement income across TSP, IRAs, federal benefits, and outside investment strategies

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  • Deferred Premium Pay strategies to minimize tax implications

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  • Confidently transitioning from sea to shoreside

TSP

Your Wealth Engine at Sea

The Thrift Savings Plan is your most powerful tool for building long-term wealth. But the default investment options don’t always fit a mariner’s risk profile or time horizon. We help you:

  • Choose the right mix of TSP funds (G, F, C, S, I, L)
     

  • Use Roth vs. Traditional contributions based on your tax environment
     

  • Align your investment strategy with your rotation and retirement plans

Tax-Free Hazard Pay

The Cargo for Your Future

When you’re in a designated combat or hazard zone, your pay might be exempt from federal income taxes. Most mariners don’t realize how valuable this window can be for Roth contributions and tax-free compounding. We’ll show you how to:

  • Take advantage of tax-free Roth contributions
     

  • Use your hazard pay window to reposition taxable income
     

  • ​Strategically harvest gains or convert funds while in low/no tax brackets

Your MSC benefits, explained.

 
 
 
Understanding your benefits is the first step to using them to your advantage. Here’s how each of your MSC plans works and how we help you get the most out of them:
Steady Wealth Planning for Life at Sea

Specialized Wealth Planning
for MSC

At Shoreside Wealth Management, we understand what it means to live on long hitches, earn tax-free income in hazardous zones, and manage irregular cash flow while trying to build long-term wealth.

While at MSC or after you transition, we can help you:
 

  • Maximize your TSP (Thrift Savings Plan) contributions and allocations
     

  • Build tax smart investment strategies for the off-season
     

  • Take full advantage of tax-free hazard pay
     

  • Prepare for retirement or shoreside on your timeline

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