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Omen Quelvog, CFP®, MQFP®
Specializations:Military Retirement / Transition, Dual Military, Federal Government, Military to Contractors

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

Hi, I’m Omen. I’m 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 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

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Joseph Brown, Ph.D., CFP® MQFP®
Specializations:College Planning, Senior Officer Retirement, Educators

Joe Brown, At Large

Hello, my name is Joe and after retiring from the USCG I decided to begin a second career in financial planning – focusing on helping fellow service members and veterans. When I was discerning what my new “mission” would be, I heard three stories that truly affected me, two of officers I new who had transitioned out of the service and ended up homeless for a time, and a third who felt trapped on his couch with not enough income, or career prospects to live a fulfilling life post the service. These stories inspired me to help service members and veterans with their finances to ensure that they would be able to live a fulfilling life and maintain financial security for their family.

A little about me, I am a 1998 U.S. Coast Guard Academy alumnus (B.S. Marine and Environmental Sciences), and retired from the US Coast Guard after 25 years of service.
My duty assignments included:
• Deck watch officer on Coast Guard Cutter Polar Sea from 1998-2001
• Port safety and security officer at Marine Safety Officer San Diego from 2001-2004
• Rotating military faculty member at USCGA from 2004-2010
• Response Department head for Marine Safety Unit Morgan City from 2010-2012
• Permanent Commissioned Teaching Staff and I was the inaugural Chair of the Chemical and Environmental Sciences Department at USCGA 2013–2023

Highlights from my military career included overseeing port safety and security for the first military outloads in support of OPERATION IRAQI FREEDOM, certifying the Deep Water Horizon wreck as pollution free, and as a deck watch officer for two OPERATION DEEP FREEZEs. I then retired from the USCG in 2023.

In my final year of service, I earned a master’s in financial planning (2023) and since retiring certifications as a CERTIFIED FINANCIAL PLANNER® and Military Qualified Financial Planner®. I am now living my next chapter fully, having founded Always Ready Financial Planning LLC, specializing in financial strategies for military families, including maximizing veterans’ benefits for education. I also continue to teach as a visiting professor of personal finance at USCGA since 2023, equipping cadets with financial literacy, and mentoring the Coast Guard’s future leaders.
I live in Westerly, RI, with my wife, Melissa, and three children – two of which have decided to follow me into military service. I attempt to continue embodying the Coast Guard values through community service and passions for ocean activities, woodworking, and golf.

Schedule a Free Consultation

Joseph Brown, Ph.D., CFP®, MQFP®
Always Ready Financial Planning, LLC
Westerly, RI 02891
401-646-9498
www.alwaysreadyfp.com

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Andrea Clark, CFP®, AFC®, MQFP®
Specializations:Real Estate Investing, Military Transition to Tech, & Women 50+

Hi, I’m Andie – founder of The Table Financial Planning. I am a wife, mom, grandma, small business owner, (accidental) landlord, runner, homeschooler, and family CEO through a dozen military moves.

Coffee is my BFF.

You think I’m joking.

No one joins the military to get rich, but military life affords us many ways to live richly. Add to that the constant transition of military life, and you see the need for your money to have a plan to follow. I want you to make well-informed financial decisions. My experience from being a military spouse and military financial educator will help you incorporate the unique military pays and benefits that are part of your life into that decision-making process. The end goal is managing and growing your assets in a way that lets you sleep at night. You and your family have earned it.

When I married into the Air Force nearly three decades ago, a newly-minted engineering degree in hand, I quickly found that being a practicing engineer and military spouse was going to be tough. Telecommuting and virtual positions didn’t exist, and most employers were not keen on hiring a military vagabond.

I started teaching night school math classes at every new duty station and learned that adult students of all ages paid best attention when the numbers were connected to their money. While raising and homeschooling four kids through too many deployments and PCS moves to count, I was chosen to be a 2009 FINRA Foundation Military Spouse Fellow. Soon I was an Accredited Financial Counselor® working with military members and their spouses as a personal financial counselor through a DoD contract. About the time my husband was retiring from the military, I was awarded a scholarship by The American College Center for Veterans Affairs to pursue the CFP® designation.

I founded The Table to continue educating and advising military families on their financial life journey. Today I work virtually with active duty and retired military families all over the country. I’d love for you to join me.

Schedule a Free Consultation

Andrea Clark, CFP®, AFC®, MQFP®
The Table Financial Planning, LLC
Fountain Hills, AZ 85268
618-363-4050
www.thetablefinancialplanning.com

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Daniel Kopp, CFP®, MQFP®
Specializations: Gold Star Widows, Dual Military Couples, & FIRE

Hello, I’m Daniel – husband to Anna, widower to Sarah, Air Force veteran, business owner, writer, speaker, financial planner, and Christ-follower. I’m the founder of Wise Stewardship Financial Planning where we offer fee-only, fiduciary financial planning and investment advice with a special focus on young widows and widowers as well as servicemembers and their families.

I’ve always been interested in money since I was a little kid, including out-bidding my siblings for chores-for-hire, to providing loans to my siblings and friends when they had spent all their money and diligently saving my allowance for future goals. Over time this evolved into reading the stock pages in the newspaper as a young teenager and then choosing to major in economics in college. After completing Air Force ROTC at Purdue University, I commissioned as an officer into the Air Force in 2009 but continued my personal interest into personal finances, investing, and all things money-related.

In addition to being a CFP® practitioner, I’ve spent thousands of hours studying financial planning topics and am currently going deeper in the work of Financial Therapy with a Masters at Kansas State University. I also had the opportunity to be a volunteer financial counselor during many of the years when I was on active duty in addition to helping and educating family and friends over the years. Thanks to countless help along the way, I learned more about the financial services industry and found my way to fee-only, fiduciary financial planning. It was through these experiences that sparked my passion and helped me realize what I wanted to do whenever I decided to leave the military!

As an officer on active duty for almost 9 years, along with a brother, sister, and brother-in-law in the military, I experienced firsthand the benefits and challenges that military life can have on all aspects of life especially finances. Frequent changes like TDY’s, deployments, and PCS’s add unique potential opportunities and obstacles to meeting goals and dreams. Add in the often disparate and sometimes confusing military pay, benefits, scattered military benefits and discounts, and countless people offering advice or services, and there is often a lack of clarity on how best to optimize all of these to best meet goals.

I also know that grief is hard. But sometimes, determining what’s next is even harder.

I know because I’ve walked that road before. Like you, I know what loss is like and how it affects your financial life. It is my honor to compassionately guide my clients with financial planning and advice as a trusted companion in your ongoing grief journey.

Schedule a Free Consultation

Daniel Kopp, MA, MS, CFP®, MQFP®
Wise Stewardship Financial Planning, LLC
Lakewood Ranch, FL 34202
857-209-8437
www.wisestewardshipfp.com

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Dan Huffman, ChFC®, MQFP®
Specializations: Real Estate Investing, FIRE, Veteran Entrepeneurs

Dan Huffman, ChFC

Hello! I’m Dan, and I founded Cornerstone Financial Planning, LLC to help people live out their ideal life today through strategic financial planning and real estate investing. Life is too short to live with tension between our time, money, and values. The more clarity I’ve gotten on my values, the more I realized that I needed to redesign my life. I strive to live intentionally and focused on these most important areas in my life, which are my faith, my family, and making the biggest impact that I can in the world around me. My mission is to help you discover your ideal life, and then to create and carry out your personalized financial plan to make it happen!
Ideal Clients

My primary areas of expertise and that I enjoy working in the most are early retirement planning (in-line with the Financial Independence Retire Early – FIRE – community) and real estate investing. I add the most value to young(ish!) people in their 20s-50s who are looking to build wealth and replace their active income with rental income, freeing them up to take command of their time, energy, and life. However, I’ve also gotten a lot of fulfillment helping some Clients who were a little late to begin accelerating their retirement investments in preparation of a more traditional retirement timeline.

Financial Planning & Coaching for Real Estate Investors (and beginners!)
I incorporate real estate investment coaching into my ongoing financial planning process for those clients who want to pursue time and financial freedom through real estate investing but aren’t sure where to start, are afraid of making expensive mistakes, or who recognize that they simply don’t know what they don’t know about beginning to invest in real estate. My aim is to be that coach that actually knows you, your life goals, and your financial situation and has a fiduciary responsibility to you rather than some random person on the internet selling you and everyone else they can get to click their link a course with nothing but videos without any one-on-one coaching that’s in-line with your financial plan. My ongoing Clients who are real estate investors receive significant access to me for financial planning and real estate coaching so that they can make investment decisions in a timely manner with the utmost confidence. This is what I wish I had when I was starting out! The only problem with me back then? I was too cheap to pay for it and I couldn’t find anything as robust as what I wanted. But since then, I’ve come to learn the truth of Robert Kiyosaki’s quote “Experience is expensive, education is cheap”. And of course, my coaching includes the financial analyses and strategic tax planning that general coaching programs don’t include, because they can’t!

Financial Planning for FIRE
While real estate investing is a passion and one of the greatest ways that I’ve found to make an impact that extends beyond my immediately community, I’m also passionate about the FIRE community and financial education. For those of you interested in more of a beginner-level financial plan for early retirement, I offer those as one-time plans or as ongoing engagements to help plan out your desired retirement, or recreational employment as I prefer to call it! I really enjoy planning out for different phases of life and helping you envision what each might look like and how we can tax plan around those times when you may have less active income.

About Dan

My wife, son, and I live in Colorado Springs, CO. I began my professional career as an athletic trainer out of college, working at a couple different DI universities. After getting burned out, I switched to physical therapy and was accepted into the Army-Baylor Doctor of Physical Therapy (PT) Program, which was the #5 ranked program in the USA at the time. So, in 2010, I direct commissioned, and I never looked back. I spent 11 years on active duty serving as a PT and deploying twice to Afghanistan. Our last duty station was at Landstuhl, Germany, and we absolutely loved it with all the Christmas markets and how easily we could travel! We have been to 37 countries and counting! But while I loved my time serving our nation’s servicemembers, over time I became more passionate about teaching them personal finance education rather than cracking backs and stabbing people with needles (the official term is “dry needling”) and I also had a couple of key experiences that weren’t so good where I didn’t feel that the military had my best interest in mind. So, in 2021, I ETS’d and switched to the Reserve component where I plan on completing my Army career and to take a sabbatical from working full time to go through the Certified Financial Planner (CFP) educational program, which I completed and passed the exam in July 2022 before finally launching my firm in early 2023. I’m now grateful to be part of a group of advisors such as MFAA and I look forward to serving you if I’m the best fit! If not, I’ll gladly refer you to someone that I think may be better for your situation.

Schedule a Free Consultation

Dan Huffman, ChFC®, MQFP®
Cornerstone Financial Planning, LLC
Colorado Springs, CO 80924
719-286-0403
www.cornerstonefiplanning.com