Military Financial Planning for Active Duty, Veterans, Retirees & Their Families. 

Hi, I’m Omen – a retired Marine with 25 years of active-duty service as both an enlisted Marine and officer, and I now serve military families as a CFP® and MQFP® professional providing flat-fee, fiduciary financial planning.

I work primarily with active-duty service members, military retirees, and military-connected families who are within roughly three to five years of retirement or already navigating life after service. Many of my clients are balancing a military pension, Thrift Savings Plan (TSP) decisions, VA benefits, taxes, and family priorities while preparing for one of the most significant transitions of their lives.

In addition to military families, I frequently work with federal civilian employees, government contractors, and educators. These families often face similar planning challenges, including coordinating multiple retirement systems, navigating complex benefit packages, and managing income that changes over time. My experience with federal and educator benefits helps ensure both partners’ careers are thoughtfully integrated into a cohesive financial plan.

My approach is shaped by lived experience. I’ve navigated PCS moves that disrupted carefully built plans, single-income periods while raising a family, and deployments that rewrote every budget assumption. Those realities inform how I plan today, with empathy, structure, and a deep respect for the complexity of military life.

I founded Formynder Wealth Management to offer values-first financial planning. As an alternative to the traditional assets-under-management model, I am fee-only and flat-fee, meaning I do not charge a percentage of assets under management (AUM) and do not earn commissions. This allows me to provide objective guidance that aligns financial decisions with what matters most.

How I Work With Clients

I work with clients in three primary ways, depending on their needs and stage of life:

• Ongoing Wealth Management
  For clients who want ongoing financial planning combined with investment management. This engagement includes everything in comprehensive planning, with professionally managed portfolios, coordinated within a flat-fee structure and without asset-based pricing.
• Ongoing Comprehensive Financial Planning
  A continuous planning relationship focused on cash flow and debt management, tax planning, education planning, risk management, estate considerations, and retirement strategy. This is ideal for families who want an ongoing partner to help navigate decisions as life and career evolve.
• Limited-Scope Planning Projects
  Focused, one-time or short-term planning engagements designed to address specific questions or decisions, such as retirement readiness, transition planning, or benefit coordination.

My planning work focuses on turning complex military pay and benefits into a coordinated, practical plan. This includes retirement income planning around pensions and TSP, tax strategy, education and risk planning, estate considerations, and guidance through career and lifestyle transitions. I also offer integrated faith-based planning for clients who want their financial decisions filtered through a biblical lens.

Formynder Wealth Management operates 100 percent remotely, serving military families across the country and around the world. If you are looking for a CFP® and MQFP® professional who understands military life firsthand and provides flat-fee, fiduciary advice without commissions or asset-based fees, I’m here to help you build a clear plan and adjust as the mission changes.

About Omen

I discovered my calling as a financial planner in 2019 after decades of navigating military life firsthand, including PCS moves, deployments, and single-income stretches. Along the way, I saw how often service members were sold high-cost products when what they needed was clear, objective guidance. That experience led me to pursue a career as a fee-only, fiduciary financial advisor.

After retiring from the Marine Corps in 2024 and completing a SkillBridge internship with the Military Financial Advisors Association, I launched my firm to serve military and military-connected families with flat-fee, client-first advice.

I remain active in MFAA, NAPFA, and the Financial Planning Association to stay connected to a community committed to ethical, high-quality planning.

Outside of work, I’ve set roots in Fredericksburg, Virginia with my wife of 25 years. Together, we enjoy supporting our grown sons in their theater and music pursuits, checking out a Fred Nats game, and serving in our local church.  I stay active and balanced through running and cycling clubs. Our travel often centers on races, new cities, and time outdoors.

Focal area: Active-duty military 3-5 years from retirement, Faith, Dual Military

Schedule a Free Consultation

Omen Quelvog, CFP®, MQFP®
Formynder Wealth Management, LLC
Fredericksburg, VA 22047
540-360-3572
www.4myndr.com