Ryan Sevilla
Former Army Ranger, 14 years of serviceClient Relations Specialist
Private wealth. Capital solutions. Legacy planning.
From service to financial independence.
Your years of service have created benefits, opportunities and responsibilities that deserve more than disconnected financial decisions.
Overtime Military Wealth helps military members, veterans and their families understand how retirement benefits, insurance, investments, taxes, business ownership and long-term planning can work together to support life during service and beyond.
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For those who serve and have served, in every branch
Army
Marine Corps
Navy
Air Force
Space Force
Coast GuardOvertime Military Wealth is a private initiative of Overtime Capital Group and is not affiliated with or endorsed by the U.S. Department of Defense, the Department of Veterans Affairs, or any branch of the U.S. Armed Forces.
Overtime Military Wealth is led in part by members of our team with military backgrounds.
Meet the full teamFormer Army Ranger, 14 years of serviceClient Relations Specialist
Former U.S. Army aviation officerExecutive Relationship Advisor, independent professional
U.S. Marine Corps infantry veteranClient Relations Specialist
Former U.S. Army air traffic controllerClient Relations Specialist
Military service requires preparation, discipline, adaptability and a long-term commitment to something bigger than yourself. Your financial future deserves that same level of intentional planning.
But military financial decisions are rarely simple.
Retirement systems, TSP accounts, insurance elections, survivor protections, PCS moves, deployments, VA benefits, civilian career changes and tax considerations all interact. Too often, these decisions are evaluated separately rather than as parts of one financial picture.
Overtime Military Wealth helps you see how those pieces connect and where additional planning may strengthen your future.
Military benefits are one part of a financial strategy. They should not be the entire strategy.
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Every stage of service brings its own financial questions. Overtime Military Wealth starts from where you are today.
Build financial habits, understand benefits and prepare for future responsibilities while serving.
Navigate the financial decisions that accompany separation, retirement, employment changes and new career opportunities.
Coordinate retired pay, TSP, survivor protections, civilian income and long-term family goals.
Explore opportunities for entrepreneurship, real estate, tax planning and lasting wealth after service.
Understand how military and civilian financial systems interact, including reserve retirement considerations.
Coordinate insurance, financial stability, household protection, career interruptions and multigenerational planning.
Open any area to see what it covers. Each one is a starting point for education and coordinated planning, carried out with qualified professionals wherever the work requires it.
Education on TSP contributions, traditional and Roth considerations, retirement account coordination, distribution rules and the differences between the military retirement systems that may apply to you.
Understand how military retired pay, if you are eligible for it, fits alongside civilian employment, retirement savings and longer-term income goals.
Education on Survivor Benefit Plan election considerations, survivor income objectives and how SBP may interact with other family protection strategies.
Compare SGLI, VGLI, available conversion options and private coverage, and understand how different types of coverage may serve different protection and planning objectives.
Insurance and liquidity planningBudgeting around relocations, emergency reserves, family financial continuity, insurance, housing decisions and financial organization during deployments.
Financial preparation for separation or retirement, including income changes, health care transitions, business opportunities, insurance and long-term financial goals.
Explore business ownership, entity formation, capital requirements, tax considerations, business continuity and long-term company value.
Business planningUnderstand how VA benefits and compensation you receive or expect may affect household cash flow, military retirement coordination and broader financial planning. Overtime does not prepare or file VA claims.
VA home loan education, primary residence planning, homeownership decisions, PCS-related property considerations and long-term real estate strategy. VA-backed loans are for a home you will live in and require eligibility and lender approval.
Coordination with qualified tax professionals around military and civilian income, retirement distributions, business structures and other applicable tax considerations.
Tax strategy coordinationLegacy planning, beneficiary designations, insurance, wills, trusts where appropriate and powers of attorney, coordinated with qualified legal professionals.
Legacy planningFinancial education on saving, investing, business ownership, capital allocation, liquidity, diversification and family wealth objectives.
The Overtime Wealth SystemYour military career may end before your next financial chapter is fully built.
Leaving military service can change a household’s financial picture in several ways at once.
Some military retirees receive ongoing retired pay. Others separate without an immediate military pension. Many begin civilian careers, launch businesses or reassess their insurance, health care and investment needs.
The goal is a coordinated strategy appropriate to you, rather than an assumption that every service member has the same benefits.
Conceptual illustration, not to scale. Benefits and timing vary by individual.
Select a group to see how it connects.
The outcome
Each group matters on its own. The planning happens where they connect.
Benefit eligibility, available income, investment results and planning opportunities vary by individual. This model is educational and does not show projected values or outcomes.
Military leadership, discipline, operational planning and resilience can provide a strong foundation for entrepreneurship. Overtime Capital Group understands the importance of translating experience and opportunity into a long-term business strategy.
The next mission may be the business you build, the assets you own and the legacy you create.
Free training for veterans, service members and military spouses is available through the U.S. Small Business Administration’s Office of Veterans Business Development, including Boots to Business and Veterans Business Outreach Centers. Visit sba.gov
Overtime does not guarantee financing, business performance or eligibility for any veteran-specific funding program.
Military families often navigate repeated moves, long separations, changes in career opportunities and significant financial decisions. A thoughtful plan makes sure the people at home are protected, wherever the next assignment leads.
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Making sure the people who rely on your income are part of every major financial decision.
Coverage matched to your family’s needs, and reviewed when your service status or family changes.
How SBP, insurance and savings may work together to support a surviving spouse or dependents.
Reserves, account access and clear instructions for the times you cannot be reached.
Wills, powers of attorney and beneficiary designations that agree with each other and with your wishes.
Planning for your children’s education and the goals that matter most to your household.
Thoughtful planning for what you pass on, coordinated with qualified legal professionals.
Understand your career status, family structure, financial position, existing benefits and personal goals.
Review relevant benefits, income sources, protection arrangements, assets, liabilities and potential planning gaps.
Identify how military benefits and civilian planning opportunities may complement one another, with qualified tax, legal, insurance and other professionals brought in when required.
Develop an individualized roadmap for your financial priorities, wealth-building objectives, risk management and longer-term family goals.
Revisit the strategy as career transitions, family needs, benefit elections and business opportunities change.
Overtime coordinates the planning. Tax, legal, insurance and investment services are provided by appropriately licensed professionals. Overtime is not accredited by the Department of Veterans Affairs and does not prepare, present or file VA claims.
Understanding your benefits is important. Understanding what to do with your financial future is a much larger conversation.
Overtime Military Wealth connects financial education with broader conversations about ownership, business development, long-term planning, protection and family legacy.
We believe the best financial strategies account for the person behind the numbers.
IYour service history matters.
IIYour family matters.
IIIYour next chapter matters.
And your financial strategy should reflect all three.
Begin the conversationWe are preparing a military financial education series. These are the first guides in development. Until each one is published, the official source listed with it is the best place to start.
Free, confidential financial counseling is also available to eligible service members and families through Military OneSource and installation financial readiness programs.
Official sources are listed for reference only. Overtime Military Wealth is not affiliated with these agencies, and listing them does not imply their endorsement. New guides will be published in Wealth Insights.
Don’t see your question? Ask it in a private consultation.
Request a consultationNo. Overtime Military Wealth is for active-duty service members, members preparing to transition, veterans, military retirees, National Guard and Reserve members, and military spouses and families. Priorities differ at each stage, and the conversation starts from where you are.
Yes, as education and planning coordination. We can help you understand how your retirement system, any retired pay you are eligible for and your Thrift Savings Plan fit into your broader plan. Your service history determines which retirement system applies to you, and the TSP is an individual account that is separate from military retired pay. Confirm official figures with your finance office, DFAS or tsp.gov.
The Survivor Benefit Plan provides a monthly annuity to an eligible survivor in exchange for premiums deducted from retired pay, and the election is generally made before retirement. Declining or reducing spouse coverage generally requires your spouse’s notarized consent. We help you look at SBP alongside life insurance, savings and your family’s income needs so the decision fits the whole plan.
Servicemembers’ Group Life Insurance (SGLI) continues for only a limited time after you leave. You may be able to keep coverage through Veterans’ Group Life Insurance (VGLI) or convert to an individual policy, but deadlines and health-review rules apply. Check VA’s SGLI and VGLI pages for your dates, and review private coverage with a licensed insurance professional.
Yes. We can help you understand how compensation you receive or expect may affect household cash flow and retirement coordination. For example, military retired pay is generally reduced by the amount of VA compensation unless you qualify for Concurrent Retirement and Disability Pay or Combat-Related Special Compensation. Overtime is not accredited by the Department of Veterans Affairs and does not prepare, present or file VA claims. For help with a claim, contact a VA-accredited representative through va.gov.
Yes. We can help you think through business ownership, entity structure, capital needs, tax considerations and how a business fits your family’s financial goals, coordinated with your attorney and CPA. Free training is also available through the SBA’s Office of Veterans Business Development. Overtime does not guarantee financing, business performance or eligibility for any veteran-specific program.
They can be part of one, within the program’s rules. VA-backed loans are made by private lenders for a home you will live in, and they require a Certificate of Eligibility and lender approval. They cannot be used to buy a vacation home or an investment property. We help you see how homeownership fits your wider plan.
Common starting points include how your income will change, health care coverage after service, your TSP options, life insurance (including SGLI and VGLI deadlines), any retired pay or VA benefits you may be eligible for, your emergency reserves, and your estate documents and beneficiaries. The Transition Assistance Program covers many of these topics, and a planning conversation can help you put them in order.
No. Overtime Military Wealth was created for service members and military families at every rank and stage of service. Each conversation begins with your goals and circumstances.
Both. The educational content on this page is general and is not advice for your situation. Personalized planning begins with a private consultation and is subject to a written agreement. Tax, legal, insurance and investment services are provided by appropriately licensed professionals.
Whether you’re preparing for retirement, navigating a military-to-civilian transition, starting a business or thinking about your family’s financial future, the first step is understanding how your opportunities fit together.
Prefer to talk now? Call (214) 305-8477.
Please do not share Social Security numbers, VA claim numbers, medical or discharge records, account numbers or passwords when scheduling or writing to us.
A member of the Overtime Capital Group team will be in touch to arrange a time to talk.