Guides

One question per page. The answer is in the first two sentences, and the rest is the why. Written for someone who feels behind and does not want to feel dumb asking.

• Biweekly mortgage payments on a VA loanPaying half your mortgage every two weeks adds one full extra payment a year, all of it to principal, which pays the loan off years early and saves interest. You can do the same thing for free by adding an extra principal payment yourself.
• How much term life insurance is realistic for a family?Enough to replace the paycheck your family would lose until the kids are grown, plus the debts and costs that land all at once. Most families get there with a term policy that ends when the kids are independent, bought while you are young and healthy.
• How to read your LESYour LES has three money columns: what you earned, what came out, and what you set aside yourself. Read it top to bottom once and the rest of your paycheck stops being a mystery.
• Do I need life insurance outside SGLI?Yes: keep full SGLI, and FSGLI for a spouse, for as long as you serve. Add a private term policy you own, bought while you are young and healthy, because SGLI ends after you separate and the private policy goes with you.
• Roth on military pay: BAS, deployments and combat payFor most junior members, Roth is the better home for retirement dollars: you pay tax now at a low rate and never again. Military pay makes that easier, because BAS is not taxed and combat zone pay can go into Roth TSP tax-free in and tax-free out.
• PCS and your house: what renting it out really costs and buildsRenting out your home after a PCS usually costs you something every month and builds something every month too. The question is how much of your out-of-pocket money is becoming equity in your own name, and this page shows you how to find that number.
• Will, trust, guardianship, power of attorney: what each one doesA will says who gets what and who raises your kids. A trust holds property so it passes without probate court, and a power of attorney lets someone act for you while you are alive but cannot.

This page is education, not individualized investment, tax, legal or insurance advice. It names no products, funds or allocations and carries no client stories. Where a document or a policy is needed, an estate attorney or a licensed insurance agent is the person who prepares it. Avidity Capital Inc. drafts no legal documents and receives no commission or referral fee from insurance, estate attorneys, mortgage lenders or real estate agents. Its compensation is the member's subscription and, for members who choose it, an advisory fee for managing assets; see Form CRS and Form ADV Part 2A. Avidity Capital Inc. is a registered investment adviser.