Preparing To Retire
Soldiers should start gathering information and planning their military retirement 12-24 months before they submit the application for retirement. In a survey of Retired Soldiers, 88% indicated their pre-retirement briefing was "extremely" or "critically" important to their retirement planning.
Changing from military to civilian lifestyles is not always an easy task, but planning can be a big help. Upon military retirement, Soldiers change locations, careers, and lifestyles.
At least 12 months before the planned retirement, Soldiers should attend a pre-retirement briefing provided by a Retirement Services Officer. Soldiers are encouraged to attend one long before a retirement application is submitted and another shortly before an actual retirement date. Spouses are strongly encouraged to attend the briefing.
Visit your Retirement Services Officer for information on briefing dates, times, and locations.
Retirement planning Documents
- DA Pre-Retirement Briefing slides - This is the pre-retirement briefing all Soldiers should receive at least 12 months before retiring.
- Pentagon Retirement Planning Seminar slides - This shortened pre-retirement briefing is given quarterly at the Pentagon. It serves as an introduction to, but not a substitute for, the full-length pre-retirement briefings given by your Retirement Services Officer.
- 2019 US Army Retirement Planning Guide - PDF - A 62-page guide with detailed retirement planning information.
- Retirement is a Process - PDF - Brochure that outlines subject areas Soldiers should know about when planning for their retirement.
- Which Pay Plan are You Under? - PDF - Brochure that explains the three military retired pay plans.
- Reserve Component Retirements Branch-HRC - Link to Human Resources Command's Reserve Retirements Branch.
- SFL-Transition Assistance Program (TAP)
- Historical Highlights of Retired Pay - PDF
- Retiring on the Same Day as a Basic Pay Change - PDF - Explanation of how federal law applies to Soldiers who retire on the same day as a basic pay change (usually January 1st).
- RSOs are responsible for ordering the Army Retiring Soldier Commendation Program package which is presented to all Active Component Soldiers at retirement and all Reserve Component Soldiers when they transition into the Retired Reserve. More information is available in paragraph 2-2b of Army Regulation 600-8-7 - PDF - Retirement Services Program.
- Reserve Retirement FAQs - PDF - Frequently asked questions about Reserve Retirement.
Getting Ready to Retire
- Types of Retirement
- Estimate Your Retired Pay
- Retired Pay Plans and How Your Retired Pay is Calculated
- Reserve Retired Pay Application Process
Survivor Benefit Plan (SBP)
- Comprehensive SBP information on our site
- The DoD Actuary comparison of SBP to Life Insurance. Once on the site, click Survivor Benefit Plan (under the search box) and select Insurance.
- Estimate Your SBP Premiums
- Educate Your Beneficiaries
For Briefings and Answers to Questions
- Soldier for Life Employment Links
- Soldier For Life-Transition Assistance Program (SFL-TAP) (formally known as Army Career and Alumni Program [ACAP])
- Federal Employment -- USA Jobs
- Army Civilian Personnel Employment Page
- Federal Jobs for Veterans
Army Reserve Pre-Retirement Training Events: