Save
High yield savings and certificates for money you want to keep safe and reachable.
Retirement, without the maze.
Save, roll over and plan income in one clear view with military retired pay treated as part of the picture, not an afterthought.
Three jobs, kept separate
Safe money, invested money and income
Most retirement confusion comes from blurring three different jobs. We keep them distinct, with different products and different risks.
Roll over
TSP and 401(k) rollover review through a custodian partner when the time and the tax picture are right.
Plan income
See how military retired pay, Social Security and withdrawals fit together before you choose a path.
Retirement income
Start with what is already promised
A retirement income plan begins with military retired pay and Social Security, not with an investment projection.
The income gap calculator shows the income sources a household already has, the spending the month actually carries, and the gap between them. Only then does a withdrawal rate enter the conversation.
A worked example
Monthly income
- Military retired pay
- $2,850
- Social Security (estimated)
- $1,900
- Planned portfolio withdrawal
- $1,200
Monthly need
- Housing and utilities
- $2,400
- Food, transport and insurance
- $1,750
- Buffer for the unexpected
- $500
Monthly gap+$1,300
Arithmetic example only. Not a projection or advice. Taxes, healthcare and one off costs are not modelled.
Before anything moves
A rollover is a decision, not a default
The review slows the decision down enough to compare the things that actually change.
- 1
Map the income you already have
Military retired pay, Social Security, a civilian pension, part time work start with what is already promised.
- 2
Separate safe money from invested money
Deposit accounts for the money you may need soon; investment accounts for the money that can stay invested through a downturn.
- 3
Review a rollover before it happens
A TSP or 401(k) rollover is not automatically the right move. Compare fees, investment options, creditor protection and tax timing.
- 4
Write down the assumptions
A plan is only as good as the assumptions behind it. Review them with a banker or licensed partner before anything moves.
Safe money
Deposit rates for the money you may need soon
Effective October 1, 2026. Every rate is published with its term and minimum.
| Account | Minimum | Rate |
|---|---|---|
| High-Yield Savings | $100 to open | 4.10% APY |
| Retirement Deposit Account | $500 to open | 3.95% APY |
| 12-Month Certificate | $1,000 to open | 3.90% APY |
| 24-Month Certificate | $1,000 to open | 3.75% APY |
APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. See the full rate sheet.
Open an account
Your next pension day can be the first clear one.
Most personal applications take about eight minutes. You will get a decision, a routing number for DFAS and a named banker not a waiting list.
River Gem Bank is a California state-chartered bank. Deposits are FDIC insured up to $250,000 per depositor, per ownership category.