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100% Focused on the Other 1%

Fee-only Financial Planning and Wealth Management For Active and Retired Military Members

At any given time, approximately 1% of Americans wear our country’s uniform. If you are now part of or retired from that 1%, we are here to serve you.


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Recognized Experts in Financial Planning for Military Professionals

About C.L. Sheldon & Company

Curtis Sheldon, CFP®, EA, AIF® Photo

Curtis Sheldon, CFP®, EA, AIF®

President, Lead Planner
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Curtis Sheldon, CFP®, EA, AIF®

Curtis (Curt) Sheldon is a CERTIFIED FINANCIAL PLANNER™ Practitioner, Enrolled Agent, Accredited Investment Fiduciary® Designee and President of C.L. Sheldon and Company, LLC. He also is the author of Well and Faithfully Discharged: Financial TTP for Military Retirement.

Curt provides comprehensive financial planning, including Military and Veterans Administration benefits integration, tax planning and preparation, college planning, and retirement planning. He specializes in working with transitioning Senior Military Officers.

As a CFP® Practitioner Curt has met the rigorous experience and ethical requirements of the CFP Board. He has also successfully completed financial planning coursework and the CFP® Certification Examination covering the following areas: the financial planning process, risk management, investments, tax planning and management, retirement and employee benefits, and estate planning.

As an Enrolled Agent he is admitted to represent clients in all 50 states at all levels of the IRS.

The AIF® Designation certifies Curt has specialized knowledge of fiduciary standards of care and their application to the investment management process. Prior to becoming a financial planner Curt served for 27 years as a Fighter Pilot in the United States Air Force. Highlights of his career include Combat Operations in Operation DESERT STORM, Command of an Overseas Fighter Squadron, an assignment as an Aggressor Pilot and an exchange student at the Escola de Commando e Estado Maior in Rio de Janeiro, Brazil.

He holds an MBA in Individual Financial Planning from City University of Seattle, and a Bachelor of Science in Management/Finance from the United States Air Force Academy. Curt is a recognized expert on financial planning issues for military professionals. He has been a guest speaker on financial planning for transition at the Pentagon; Headquarters, Air Force Space Command; Headquarters, Air Mobility Command; Headquarters, Air Force Special Operations Command; Headquarters, Air Education and Training Command; Nellis AFB; and Camp Lejeune. He has also spoken on Military Tax Planning at the Annual Conference on Financial Education sponsored by the Institute for Financial Literacy, the Fi360 Annual Conference and appeared on the Money, Wealth, and Riches radio broadcast. Curt has been published in Military Officer magazine, The Christian Science Monitor, and Money Mind Matters iMagazine. He has been quoted in the Wall Street Journal, Money Magazine, and the Huffington Post. Curt provides his thoughts on Financial Planning at his blog Amat Victoria Curam. He also contributes to the Military Officers Association of America’s online forum, Financial Frontlines™.

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Angela Angelette

Executive Assistant, Client Service
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Angela Angelette


Originally from New Orleans, Angela and her husband moved to Houston in 2011. She met Curt while employed at Check-6, and he immediately recognized her exceptional client service skills. In October 2017, Curt hired her as his Executive Assistant. Angela looks forward to watching C.L. Sheldon & Company grow and continue to assist those who have bravely served our country. Although she misses her hometown of New Orleans -- especially the food -- she regularly makes the six-hour drive back to visit her family and friends. In her spare time, Angela enjoys painting and cheering on the New Orleans Saints.

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Penny Parker

Tax Preparer
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Penny Parker

Penny Parker recently retired as a math coach from Prince William County Public Schools, with 29 years of classroom experience and 6 years as an instructional math coach for educators.  She has completed her tax training coursework through the National Association of Tax Professionals.

Well & Faithfully Discharged

By Curt Sheldon, CFP®

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Our Services & Fees

C.L. Sheldon & Company was founded in 2011. Our team’s primary focus is serving military professionals and their families through fee-only financial planning and wealth management. We dedicate our time to stay on top of military and veterans’ benefits to make sure your plan accounts for your unique situation.

We proudly uphold the fiduciary standard, meaning it is our responsibility to put our clients above all other interests. This means every decision is made in your best interests to help you and your family move one step closer towards your goals.


We provide comprehensive financial planning and wealth management services for military members. Here is a closer look at some of our prominent service categories:


Risk Management

This includes premature death, disability, and long-term care. Whether you are active duty or about to retire, we help you understand and factor in the Survivor Benefit Plan, Death Gratuity and other military and veterans’ survivor benefits as necessary so that your loved ones are taken care of in the event of your passing.

Investment Management

We believe in controlling the things we can control, such as expenses and taxes. As such, we build broadly diversified portfolios and strategically rebalance them as appropriate to help you reach your goals. We don’t try to beat the market, but instead we align risk and return combined with behavior change to design a portfolio that accounts for your comfort with fluctuating markets and sets you up so that your money helps serve you.

What's Your Risk Tolerance?

Military Tax Planning

There are a lot of special tax benefits and issues for current and retired military members.  We stay on top of those issues to make sure you don’t pay one penny more than required in taxes.  When you retire and start a new career we help you avoid getting hit with a big tax bill by looking for every possible way to maximize tax efficiency.

Military Retirement 

When it comes to planning for your second, or “ultimate” retirement, we help you understand how all of your benefits work together, including your military retirement and veteran disability benefits. If you are a business owner, we can also advise you on which retirement plan will be most efficient from a tax perspective.

Estate Planning

When you’re gone, it’s important that your estate plan is thorough and well organized to eliminate any burden on your heirs. This also encompasses outlining charitable aspirations you may wish to include as part of your estate. We can also help you plan and account for probate, or the elimination thereof, if desired.

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Happenings


Financial Planning for Military Officers

If you're a military member and are looking for financial advice, you've come to the right place.

With headquarters in Alexandria VA and an office in San Antonio we serve clients in the National Capital Region, San Antonio, Colorado Springs as well as the remainder of the US and service members stationed overseas.

If you have a question or are ready to get started, please send us a message via the form below, or feel free to directly contact us. We look forward to working with you.

1800 Diagonal Road, Suite 600
Alexandria, VA 22314
(703) 542-4000 or (800) 928-1820

9901 I.H 10 West, Suite 800
San Antonio, TX  78230
(210) 960-0699 or (800) 928-1820




CONTACT

info@clsheldon.com

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Disclaimer
Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by C.L. Sheldon & Company, LLC ), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from C.L. Sheldon & Company, LLC . To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. C.L. Sheldon & Company, LLC is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice. A copy of the C.L. Sheldon & Company, LLC ’s current written disclosure statement discussing our advisory services and fees is available for review upon request. DISCLAIMER OF TAX ADVICE: Any discussion contained herein cannot be considered to be tax advice. Actual tax advice would require a detailed and careful analysis of the facts and applicable law, which we expect would be time consuming and costly. We have not made and have not been asked to make that type of analysis in connection with any advice given in this blog post. As a result, we are required to advise you that any Federal tax advice rendered in this blog is not intended or written to be used and cannot be used for the purpose of avoiding penalties that may be imposed by the IRS. In the event you would like us to perform the type of analysis that is necessary for us to provide an opinion, that does not require the above disclaimer, as always, please feel free to contact us.