Transitioning from military service into civilian consulting work brings new financial opportunities — and new tax challenges. Whether you are retired from the Army, Navy, Air Force, Marines, Coast Guard, or Space Force, we understand the unique tax situations that military retirees face when beginning a second career as an independent contractor or consultant.
Our firm provides experienced tax preparation, proactive tax planning, and year-round advisory services designed specifically for retired military personnel earning income on Form 1099.
Many retired military professionals move into consulting roles with:
Defense contractors
Government agencies
Engineering firms
Cybersecurity companies
Aviation and logistics firms
Maritime and shipbuilding industries
Federal subcontractors
Independent advisory roles
When you receive a Form 1099 instead of a W-2, you become responsible for:
Quarterly estimated tax payments
Self-employment taxes
Business expense tracking
Retirement plan contributions
Recordkeeping requirements
Our firm helps retired military consultants establish efficient tax systems from the beginning so there are no surprises at tax time.
Individual Tax Preparation
We prepare accurate federal and state tax returns while ensuring military retirement income, consulting income, and investment income are properly reported.
Quarterly Estimated Tax Planning
Many new consultants are surprised by how much tax must be paid throughout the year. We calculate and monitor estimated tax payments to help avoid IRS penalties.
Self-Employment Tax Reduction Strategies
We help identify legitimate deductions and evaluate entity structures that may reduce overall tax liability.
LLC and S Corporation Consulting
For some consultants, forming an LLC or electing S Corporation taxation may provide legal protection and potential payroll tax savings. We help determine whether these strategies are appropriate for your situation.
Retirement Contribution Strategies
We advise on:
SEP IRAs
Solo 401(k) plans
Traditional and Roth IRAs
Backdoor Roth strategies
TSP withdrawal coordination
Multi-State Tax Issues
Military retirees and federal contractors often work across multiple states or relocate after retirement. We help navigate residency rules, state tax filings, and sourcing of consulting income.
