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Kirk Reagan, CFP®, MQFP®
Specializations: Advice Only, FIRE, Real Estate, Airline Pilots, One-time and Project-based planning

Kirk Reagan

A retired Air Force officer and advice-only financial planner helping active duty, veterans, and their families get a second look at retirement and build a clear financial roadmap.

After 25 years of Air Force service, I retired and eventually found my next mission: helping people make smarter financial decisions with confidence.

Early in my Air Force career, I saw too many good people get pushed into expensive financial products that were not right for them. I did my best to help anyone who asked avoid those traps. That experience stuck with me, and it is a big reason I founded High Flight Financial.

Today, my goal is simple: help active duty, veterans, and their families make informed financial decisions without sales pressure, commissions, or ongoing asset-management fees.

Before founding High Flight Financial, I worked as a financial advisor at Vanguard and completed my Certificate in Financial Planning. My own experience includes saving for retirement, living off retirement savings, saving and funding college, investing in residential real estate since 2006, and studying estate-planning strategies such as revocable trusts and charitable remainder trusts.

Many of my clients come to me because they want a second set of eyes on their retirement plan. They want to know if they are truly on track, whether they can retire sooner, how much they can safely spend, or whether their current plan actually holds up under stress.  Some are just starting out and want to make sure they are taking full advantage of all of their benefits and if they are saving enough to reach their goals.

High Flight Financial is advice-only and fee-only. I do not manage your investments for a percentage, charge an ongoing retainer, or collect commissions on anything I recommend. Instead, I help you build a full financial plan upfront, then provide hourly support when you want it. Some clients prefer semiannual check-ins. Others just need help with a specific decision, retirement calculation, or financial “vector check.” The level of support is up to you.

I work virtually with clients, which keeps costs lower and allows me to serve people wherever they are. Whether you need a complete financial roadmap, a retirement confidence check, or help organizing the moving pieces of your financial life, I’m ready to help.

When I’m not working with clients, I’m usually attending family events, staying current on financial planning topics, or cheering on my favorite football team.

If you want to know whether you are really on track for retirement, let’s take a second look together.

Kirk Reagan, CFP®, MQFP®
High Flight Financial
Dallas, TX
(484) 462-4737
kirkreagan@highflightfinancial.biz‬
highflightfinancial.biz

Katy Stevick
Specializations:Female Service Members, Dual Military Couples, Military Transition to Tech

Hi! I’m Katy, founder of Align Financial Planning. I work with military families to navigate the financial side of service life with clarity and confidence.

I’m a military spouse and financial advisor with over a decade of experience supporting service members and their families. Whether you’re managing a PCS, planning for retirement, or learning to invest with intention, I’m here to help you create a plan that fits your life and your values.

My approach is collaborative, practical, and relationship-driven. I especially love working with women and caregivers who want to use financial planning and investing as tools to create more stability, freedom, and impact.

In addition to running Align, I own The MacPherson House, a historic Bed & Breakfast in downtown Fayetteville and my favorite “deployment project” to date. I also co-founded Military Families Forward, a nonprofit initiative focused on community and advocacy for military families.

If you’re looking for a financial partner who understands military life from the inside out, I’d love to work together.

Schedule a Free Consultation

Katy Stevick
Align Financial Planning, LLC
Southern Pines, NC 28387 and Fayettville, NC 28301
830-998-9006
www.alignfinancialplanning.com

 

Rob Moore, MQFP®
Specializations:Dual Military Couples, Military to Govt Contractors, Senior Officer Retirement, Veteran Entrepreneurs / Business Owners, Young Families, Federal / State Government

Rob Moore, MQFP

Hi, I’m Rob. I’m the founder and owner of Everman Prosperity, a fee-only financial planning firm based in Northern Virginia. I started laying the foundation for Everman in 2021 with a clear mission: to build a service-first business rooted in integrity, trust, and a genuine desire to help others thrive financially.

As a proud Army Veteran, service has always been at the heart of who I am. That same commitment drives the work I do every day. I hold the Military Qualified Financial Planner (MQFP®) designation and am currently a candidate for CFP® certification, which reflects my dedication to lifelong learning and the craft of financial planning.

At Everman Prosperity, I offer ongoing comprehensive financial planning services—including investment management, tax planning and preparation, estate and insurance planning, and budgeting and cash flow strategies. I specialize in working with military families and individuals transitioning into second careers or retirement, helping them navigate complex financial decisions with clarity and confidence.

I live in Northern Virginia with my wife and our three teenage children. As a husband, father, veteran, and entrepreneur, I’ve found my prosperity – let me help you find yours.

Schedule a Free Consultation

Rob Moore, MQFP®
Everman Prosperity
Fairfax Station, VA 22039
571-244-1802
www.prosperwitheverman.com

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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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Paul Allen, CFP®, EA, MQFP®
Specializations:Business Owners, Real Estate Investing, & Tax Preparation / Tax Planning

Paul Allen, CFP, EA
Paul Allen

Thanks for checking out my profile!

When I was a young sailor, I couldn’t find the kind of financial advisor I wanted—so when I retired from the Navy after 24 years of service, I became one.

Since then, I’ve devoted my career to helping military and veteran families make smarter financial decisions. Along the way, I’ve had the privilege of working with an incredible network of advisors—many of whom are fellow veterans or military spouses—who share my mission of delivering trusted, fiduciary advice to those who serve.

I’m currently the Chief Compliance Officer at APFORIA, an SEC-registered investment adviser built to support independent fiduciary advisors, especially those who want to serve niche communities like the military and veteran population. I also own and operate PIM Tax Services, a firm dedicated to tax preparation and planning for military families, and I’m a co-founder of the Military Financial Advisors Association.

One of the most common financial planning needs of military and veteran families is tax strategy. As an Enrolled Agent, I prepare tax returns that meet the “LAMA” standard—Legal And Most Advantageous. You pay what you owe, and not a nickel more.

I’m a CFP® practitioner and hold the Military Qualified Financial Planner – MQFP® designation, so you can be confident that I not only understand military pay, benefits, and challenges, but also adhere to the highest fiduciary and ethical standards in the profession.

When I’m not working with clients or advisors, you’ll often find me volunteering time online—answering military tax and financial questions, mentoring early-career planners, or just building community around this important mission.

If you’re interested, I’d love to connect!

Paul Allen CFP®, EA, MQFP®
Virginia Beach, Virginia 23452
757.357.1110
PIM Tax

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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

Brian O’Neill, CFP®, EA, MQFP®
Specializations:Active Duty Aviators, Airline Pilot Families, Senior Officer (O6/GO) Retirement

Brian ONeill, CFP
Brian O'Neil, Officer In Charge

Hi, I’m Brian, founder of Winged Wealth Management and Financial Planning. After 23 years flying and commanding in F-16s and F-35s, I became a Certified Financial Planner® and started my firm to become what I could not find on my own financial journey: an advisor that specializes in helping wealth-minded, DIYer’s get fiduciary advice on their own terms. I provide organization, objectivity, education, accountability, proactivity, and partnership to help families navigate transitions, clarify complexity, and sleep well knowing their dreams are on track.

I became a fee-only financial planner to help the military and veteran communities build wealth and achieve their dreams. As I came up through the ranks, I could never find a financial professional that wasn’t either a salesman in disguise, or just trying to gather assets to manage. I needed professional, military-experienced advice, but I still wanted to keep my hands on the stick and throttle. As I evaluated my transition back to civilian life, I found the community of fee-only financial planners that truly serve their clients as fiduciaries—obligated to put the client’s interests first at all times. I knew I was in the right place!

In the last half of my Air Force career, I often felt that my career field was “squadron financial advisor,” and I was usually happiest when I was helping my fellow airmen analyze financial challenges, plan ways to surmount them, and then execute the plans to a successful conclusion.
Of course, as is often quoted, “Plans are nothing. Planning is everything.” I believe that the real secret sauce is ongoing financial planning—integrating cash flow, insurance, tax, investing, education, and retirement planning continuously and holistically. I believe that conflicts of interest are inherent in every financial relationship, so it’s crucial to be transparent and proactive discussing, identifying, and mitigating them.

I serve families across the nation and offer 4 different service models so that clients can choose the best fit for themselves. I can help you with hourly advice and analysis, a one-time financial plan, ongoing planning, or investment management with ongoing planning. I work alongside your accounting, tax, and legal professionals to bridge the gaps and seams in your financial world.

When I’m not helping families shape their future, I enjoy all things cycling, swimming, running, water and snow with my wife and two daughters.

Schedule a Free Consultation

Brian O’Neill, CFP®, EA, MQFP®
Winged Wealth Management and Financial Planning, LLC
Niceville, FL 32578
850-739-0331
www.wingedwealth.com

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Pam Bergeson, CFP®, RLP®, MQFP®
Specializations: Senior Officer (O-6/GO) Retirement, Dual Military Couples, & Female Officers

Pam Bergeson, CRPC

Hi, I’m Pam Bergeson, CFP®, the founder and principal advisor of Tailwind Financial Planning L.L.C.  Throughout my Air Force career, my experience helping coworkers, friends, and family navigate personal financial decisions inspired me to make financial planning my “encore” career.  My thirty-year military career taught me the importance of setting goals and building a plan to achieve them and my nearly 35 years as a military spouse reinforced the importance of flexibility and adapting to new challenges.

My life experience on both sides of the “ID Card” motivated me to combine my passion for helping people with my analytical skills.  I love talking to people about their story and helping them decide what they “want to be when they grow up!”  I’m also a total geek when it comes to money and analyzing investment strategies.

Hanging up my uniform hasn’t changed my core values. I believe honesty and integrity are essential in all facets of life and I keep service to others at the forefront of my business.   To that end, I am a fee-only, fiduciary financial planner, which means I put your best interests first, always.  I do not accept commissions from third parties and I not sell products.  I wouldn’t have it any other way.

My mission as a financial life planner is pretty straightforward:

I believe money is a tool to help you live your best life.

I believe everyone deserves honest, unbiased financial advice.

I believe the transition from your military career to a civilian life is a golden opportunity to clarify your WHY and chart a path to achieve it. 

Our mission at Tailwind Financial Planning LLC is to provide clear, simple advice to help clients navigate major life milestones.  We work to optimize your resources, mitigate your risks and help you sleep better at night knowing your finances are on time, on target.  To further this goal, I author a blog called “Way Points” focused on the unique opportunities senior military leaders and their families enjoy as they approach their own transition into civilian life and encore careers.

The first step to living my “why” was to complete the Certified Financial Planner education requirement at Old Dominion University.  To further advance my financial education, I earned the Chartered Retirement Planning Counselor designation from the College of Financial Planning, passed the Series 65 investment exam and completed the Kinder Institute’s Life Planner training.  I’m also a candidate for the Certified Financial Planner certificate.

Prior to all this, I earned a B.S. from the U.S. Air Force Academy and a M.S. from Embry Riddle Aeronautical University.

When I’m not nerding out over financial models, you can find me running on the beach or enjoying a sunset with my husband Tom.   We’ve balanced two military careers, two amazing kids, and over twenty military moves; we’re living proof there’s life on the other side of a military career and it’s pretty amazing!

Schedule a Free Consultation

Pam Bergeson, CFP®, RLP®, MQFP®
Tailwind Financial Planning, LLC
Madeira Beach, FL 33708
609-257-8844
www.TailwindFP.com