COMPREHENSIVE & HOLISTIC WEALTH MANAGEMENT SERVICES

Your Wealth, Your Way

At Red Clover Wealth Management, we help those who serve align their money with their vision of a joyful, fulfilling life. Through personalized financial planning, professional investment management, and holistic wealth management strategies, we help you live your best life now AND in the future, intentionally on your terms.

RED CLOVER WEALTH MANAGEMENT’S WEALTH MANAGEMENT SERVICES

Navigating Military Life, Transition, and Long-Term Wealth—Together.

As a military spouse-led firm, we understand the complexities of navigating PCS moves, Blended Retirement Systems, and transitioning into civil service or corporate life. We help military families align their wealth with their vision of their best life now and in the future.

MILITARY RETIREMENT & PENSION STRATEGY

Confidently plan for what’s next.

Leaving active duty is one of the biggest milestones your family will ever face. We’ll help you answer the big questions: How does your military pension fit into your overall lifestyle goals? Should you opt into the Survivor Benefit Plan (SBP) or explore private life insurance options? Together, we’ll analyze your pension, maximize your Thrift Savings Plan (TSP), and make sure you step into your next chapter with total financial clarity.

ESTATE PLANNING & LEGACY BUILDING

Care for your loved ones.

Your military service is about protecting others, and your financial plan should do the same for your family. Beyond investments, we’ll review your estate planning needs, ensure your SGLI or private life insurance coverages are right for your current life stage, and make sure your loved ones are completely cared for, no matter what lies ahead.

ACTIVE DUTY TO CIVILIAN / GS TRANSITIONS

You’ve had a career—what’s next?

Hanging up the uniform often means juggling multiple new income streams—like VA disability benefits, a corporate salary or GS pay scale, FERS retirement options, and private sector benefits. I’ll walk alongside you during this transition to help you integrate your military benefits with your new career package, manage tax bumps from your second income, and build a cohesive plan that keeps your wealth growing.

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RED CLOVER WEALTH MANAGEMENT’S METHODOLOGY

A Happiness-Driven, Holistic Approach to Wealth

  1. Discover Your Ideal Life

At Red Clover, our high-touch process begins with truly listening. We get to know your ambitions, values, and the people and causes that matter most to you. This allows us to get to know you and understand your motivation, priorities, and personality, and ultimately to answer one very important question: What does your ideal life look like?

  1. Design a Living Action Plan

With a full understanding of what brings you joy and purpose, we help you identify your financial priorities. Whether it's early retirement, legacy building, charitable giving, or simply having more time with family, we craft a dynamic financial strategy that includes financial guidance, investment management, and optimizing taxes, aligned into a comprehensive roadmap to help you start living your ideal life now, not “someday.”

  1. Guide and Empower You To Grow

Life changes, and your plan should too. That’s why we provide ongoing support, regular check-ins, and active monitoring to ensure your wealth management strategy evolves with your needs. And when you face big decisions (or even little ones), we’re here as your trusted sounding board, every step of the way.

WHO WE SERVE

Serving Those Who Serve, Lead, and Build Since 2012

We proudly partner with ambitious, purpose-driven military members and government employees who value a thoughtful, collaborative approach to building wealth.

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28%

Women Professionals, Business Owners & Executives

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38%

Military Spouses, Veterans, Families

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34%

Government Professionals & Leaders

Helping Military Families and Government Employees Live their Ideal life Since 2012

Founded by Kathleen Cote, CFP®, RLP®, MQFP® ), Red Clover Wealth Management has been a trusted partner for those who serve for over a decade. We bring joy, clarity, and confidence to wealth, one client at a time.

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Clear, Fair Pricing That Reflects Our Commitment to You

TRANSPARENT FEES

We’re a fee-only firm—no commissions, ever—so our only focus is what’s best for you. Our annual planning and advisory fees start at $6,000 and vary based on complexity and support level.

With Red Clover Wealth Management, you get transparency, trust, and a long-term relationship built on value.

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Frequently Asked Questions About Our Wealth Management Services

  • Fee-only financial planning means you pay a transparent, flat fee for unbiased fiduciary advice. We never charge commissions or create hidden product sales. At Red Clover Wealth Management, annual planning fees start at $6,000, ensuring our advice is always focused solely on what is best for your family’s Thrift Savings Plan (TSP), military pension, and long-term financial goals.

  • Yes, integrating military retirement benefits with new civilian salaries, VA disability, or GS civil service pay is one of our core specializations. Led by the spouse of a retired Army veteran, we know firsthand that hanging up the uniform means balancing multiple income streams. We will help you combine your military pension, optimize FERS or private 401(k) matches, and manage the tax brackets that come with a dual-career or post-military lifestyle.

  • As a completely remote firm, we can work with you wherever you are. Whether you are deciding to keep a former primary residence as a rental property, navigating state tax residency rules, or consolidating scattered accounts across moves, we provide ongoing virtual guidance to keep your family’s wealth plan on track no matter where orders take you.

  • Red Clover Wealth Management combines formal CFP® and RLP® expertise with real, firsthand experience as a military spouse. Founded by Kathleen Cote, a Certified Financial Planner™ and Army veteran spouse, we understand the nuanced decisions around TSP allocations, and military retirement transitions better than traditional corporate advisory firms.

Get In Touch

We are currently welcoming new clients. Schedule your initial consultation today to start building your legacy.

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