Edgepoint Wealth Management is a wealth management firm for military service members and veterans with a military pension, the Thrift Savings Plan and a second career after service. Income-first: we map the income draws first and choose investments second.
This page starts with who the firm fits and who it doesn't, with the reasons. Then it covers how the work goes, from the first conversation to the first review.
Why the $500,000 minimum decides who Edgepoint Wealth Management fits
Here's the plain version. The firm fits you if you have a military pension, a TSP balance and a second-career paycheck, and at least $500,000 in investable assets. It's a poor fit if you have less than that, or if you want someone to hand you a stock tip and leave.
The reason is the order of the work. We start with income: what you spend each month, what the pension and the second career already pay, and how big the gap is. Investments come after, sized to fill that gap. Many portfolios get built the other way around, by age first, with the monthly numbers left to luck.
Military households have a reason to care about this order. The pension is a steady floor that most civilians don't have, so the portfolio can carry different risks than a standard age-based mix assumes. But a TSP rolled into the wrong account, or drawn down in the wrong sequence, can cost more in tax than any fund choice saves.
Edgepoint Wealth Management serves 372,000 clients and $8.3 billion in client assets, as of 10/12/2026. Clients live in all 50 states and meet the team over video calls and by phone, and the office is at 300 South Edison Avenue, Tampa, FL 33606.
How much of the monthly bill should the pension cover?
Edgepoint Wealth Management advisors don't use a fixed percentage, but they check one number before anything else: how much of your spending the pension and second-career pay already cover. A hypothetical example shows why. It's for illustration only.
Take a retired Navy chief, age 46. The pension pays $4,000 a month and spending runs $7,000 a month, which leaves a $3,000 gap, or $36,000 a year. The pension covers 57 percent of spending ($4,000 divided by $7,000). The second career pays enough to close the gap, and the TSP holds $650,000.
A standard age-based answer would put him in a growth-heavy mix, simply because he's 46. Income-first asks something else: when do income draws from the TSP actually start? If the paycheck covers the gap for 10 more years, no draws are needed yet. The TSP's job for now is to grow, with a cash reserve set aside for the year the paycheck stops.
Flip the facts and the answer flips too. If he had to draw $36,000 a year from $650,000 today, that's about 5.5 percent a year, and the recommendation would turn cautious.
Before we suggest moving any of that money, we estimate the tax cost of the move, because a rollover or a sale in a taxable account can create a bill that wipes out the benefit. And no portfolio is guaranteed. It can fall in value, sometimes for years, which is why the cash reserve comes first.
Four stages from first conversation to a working playbook
Edgepoint Wealth Management works in four stages, and each one ends with something you can hold. The table shows what happens and what you receive. Stage 3 is where most of the time goes.
The playbook is the written document you keep. It lists your income draws, the account each one comes from, and the investments chosen to support them. Every fee is listed in the client agreement, and nothing outside that list is charged, so you can read the full cost before you sign.
One limit worth knowing: a playbook is a set of recommendations. Nothing moves until you approve it.
| Stage | What happens | What you receive |
|---|---|---|
| 1. First conversation | We ask about pension, TSP, spending | An answer on fit |
| 2. Account review | We read your statements | A list of holdings and costs |
| 3. Playbook | Income draws first, investments second | The written playbook |
| 4. Ongoing reviews | We check draws, taxes, life changes | An updated playbook |
How long before your income draws are mapped?
At Edgepoint Wealth Management the pace follows your paperwork, so we can't honestly promise a number of weeks. The slowest item is usually the retired pay statement, which people often have to hunt for. Here is the order the first months follow.
- First conversation: you describe your pension, TSP and second-career pay, and we say whether we're a fit.
- Statements: you send recent TSP, IRA and pension statements.
- Account review: we map what you own and what it costs you.
- Playbook: income draws first, investments second, with the tax cost of any switch estimated up front.
- Approval: nothing changes in your accounts until you say yes.
- First review: we compare the draws in the playbook with what you actually spent, and adjust.
Income-first means the monthly gap gets sized before a single fund is chosen.
Frequently asked questions about Edgepoint Wealth Management
Can I work with Edgepoint Wealth Management if my TSP alone is under $500,000?
The client minimum is $500,000 in investable assets, so a TSP below that on its own usually falls short. If you also hold IRAs, savings or a taxable account, mention them in the first conversation and we'll tell you honestly whether the firm fits.
How does Edgepoint Wealth Management decide what to recommend first?
Edgepoint Wealth Management looks at your monthly income gap first: spending minus the military pension and second-career pay. Once that gap is known, the playbook sets which accounts cover it and when. Fund choices come last, and each one is checked for tax cost.