Blended Retirement System

My Guest Post About the Blended Retirement System on the White Coat Investor

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Here’s a link to my guest post on the White Coat Investor about the new Blended Retirement System:

The Military’s New Blended Retirement System

BRS and HPSP Students & New End-of-the Month Personal Finance Summary

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We’re all starting to get pinged about the mandatory Blended Retirement System (BRS) training. While I’ve created a BRS resource center on the other blog I write for, the specific case of how BRS works for medical students was recently run to ground by Dr. Jami Peterson, the Head of Student Programs at BUMED. Straight from her, the BLUF is:

Any HPSP student who signed their contract BEFORE 01 JAN 2018 will have thirty days after signing into their FIRST active duty station to declare if they want to do the legacy retirement system OR the blended retirement system. For any students who start AFTER 01 JAN 2018 will automatically be placed in the blended retirement.

I’m also going to start providing an end-of-the-month summary of the personal finance articles I’ve written. Here they are:

2018 Thrift Savings Plan (TSP) Contribution Limits Announced

Invest in Stock and Bond Index Funds or ETFs

Make an Intelligent Rent vs Buy Real Estate Decision

Saving and Investing for Military Personnel by the SEC

Three Things Every Young Medical Student and Physician Needs to Know – Part 1

Three Things Every Young Medical Student and Physician Needs to Know – Part 2

Reader Poll – Continue Financial Posts or Not?

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As I announced here, I am now blogging for another site focused on personal finance for people in the military called For example, here is a Blended Retirement System (BRS) Resource Center I created over there.

My plan was to transition all financial content to that new site because duplicating it in two different places is tedious and it is easy to follow the financial blog if you want that content. I’m curious, though, what readers want.

For example, yesterday I found another PDF of frequently asked questions on the BRS. I ask you, the readers of, what you would have wanted me to do with that PDF. Use the poll below so I get an idea of what you guys want:

MOAA Post – BRS Decision Should Consider the Whole Story

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Here’s a link to a story from the Military Officers Association of American about the new Blended Retirement System (BRS):

BRS Decision Should Consider the Whole Story

The bottom line…

“When making the difficult decision about whether to switch to the BRS, keep in mind the conflicts of interest regarding the BRS: the government stands to save a significant amount with the BRS and, financial service firms can’t wait to guide members’ seeking investment advice into expensive investment products. Tread lightly.”

Questions and Answers about Opting into the Blended Retirement System (BRS)

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Here is the latest PDF for those facing this decision (if you will have served for fewer than 12 years on December 31, 2017):

Questions and Answers about Opting into the Blended Retirement System (BRS)

Blended Retirement System: 6 Major Considerations Before You Choose

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Here is a nice article for those debating between the current retirement system and the new Blended Retirement System or BRS:

Blended Retirement System: What Will You Do? 6 Major Considerations Before You Choose