Stars & Stripes Financial Advisors

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Expert Financial Advice Military Service Members, Veterans & Their Families Can Trust

Financial Advice for Military Members, Veterans and Their Families

Lifelong Financial Guidance

As your journey in the military and life as a veteran changes we will be there with you every step of the way.

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A Values-Based Advisory Firm

Loyalty, Duty, Respect, Selfless Service, Honor, Integrity and Personal Courage. We believe values matter too.

Our Fiduciary Oath

No Minimums Investment Management Services

We offer investment management services with no minimum asset requirements. This means more military service members and veterans now have access to the type of investment management services that make a difference for them.

Investment Management Services

Financial Advice For the Military and Veteran Community

Are you military service member or veteran searching for the best financial advice you can get? At Stars & Stripes Financial Advisors, we specialize in financial planning tailored to military service members, veterans, and their families. Let us help you secure your financial future.

At Stars & Stripes Financial Advisors we serve the men and women who have served this great country. With years of expertise and education behind us we bring a view point few others can to the life, culture and finances that are integral parts of what it means to be in the military or life thereafter as a veteran. Our extensive work with military spouses who often shoulder much of the financial planning burden of households also sets us apart within the military and veteran community.

To provide insightful and actionable advice to military service members and veterans it needs to come from a place of understanding. That is why all of our financial advisors are veterans or military spouses. After all how could a person possibly understand the nuances of life during and after the service if they have not lived that life too?

We insist that each of our financial advisors have an educational background in finance, accounting or financial planning. When it comes to receiving expert financial advice we believe there is no substitute for a solid education from the nation's leading universities and colleges. We also insist that our financial advisors either have or pursue the CFP® designation which is a hallmark of expertise and professionalism within our industry. Why would you want anything besides the best possible financial advice?

Our Mission

Our Vision For The Future

We envision a world where every military member, veteran or their families has access to quality financial advice they can trust and depend on. For too long the military service members and veterans of this great country have been ignored by the finance industry. Stars & Stripes Financial Advisors is here to turn that around.

Military service members, veterans and their family members deserve quality and accessible financial advice.

What Makes Us Different?

Purpose First. Integrity Always.

We believe that understanding people matters when it comes to providing financial planning and advice. That is why at Stars & Stripes Financial Advisors we insist that our financial advisors come from the military community. Whether you are on active duty, in the reserves or national guard, a transitioned veteran, retiree or military spouse you can count on getting advice from someone who understands what that means when you work with us.

At Stars & Stripes Financial Advisors we do not require assets under management to work with us, and we operate as a fee-only fiduciary. We believe that matters because as a veteran or military service member you deserve unbiased advice without having to already be wealthy.

The fact that Stars & Stripes Financial Advisors operates as a fee-only fiduciary means we will put your interests first every time. We do not receive commissions or kick-backs for selling you financial products. That is one key difference between you getting merely "suitable advice" versus you getting the advice you deserve.

When it comes to accessibility, financial advice for the military and veteran community is no guarantee. The typical financial services company requires a minimum of $100,000 to $500,000 of investable assets before they will work with a client. That requirement keeps financial advice out of reach for most military members and veterans. They may also work on commissions or receive kickbacks which incentivizes their financial advisors to recommend more expensive financial products. You won't find that here.

Member Organizations

XY Planning Network is a member based organization that helps fee-only financial advisors succeed by providing resources and a network of experts. There are a vanguard in the movement to transform the financial advisory industry into a more honest, transparent and helpful community focused on the client's best interests.

The National Association of Personal Financial Advisors is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve. The association provides support and education for more than 4,400 practitioners all over the country.

Fee-Only Network elevates the visibility of fee-only financial advisors. Fee-Only advisors are only compensated by the client and never make commission by selling financial products, or receiving kickbacks from brokerage firms.

The Veteran Owned Business Project is a comprehensive, user friendly member network directory of small, medium and large businesses owned by veterans, service disabled veterans (SDVOSBs / DVBEs) active duty military, reservists and military spouses.

Location

Stars & Stripes Financial Advisors is located in Douglasville, Georgia inside the Atlanta Metro area and we proudly serve military members, veterans and their families across the country and world.

We believe that no matter where you are stationed, or where life has taken you, you deserve access to expert financial advice. That is why we do not limit our services to our specific geographic location but serve people where they are by leveraging the technology to expand our reach. We have worked with military members and veterans who were stationed OCONUS in places such as Hawaii, Southeast Asia and Europe. As long as you have a residence or drivers license associated with a U.S. state we will do our level best to find a way to work with you.

5-Star Reviews

"I have worked with Phil for the last year, and he has been an amazing resource. He has given me great advice and understands all the complexity of Veteran Payments, GI Bills, and Voc Rehab. Phil is the first person I go to on any financial questions, and I will continue too! I can not recommend him highly enough!"

- Sam H.

5-Star Reviews

"Thoughtful and compassionate financial services! Phillip ensured that we understood all details of our retirement planning."

- Ivy H.

5-Star Reviews

"I have been working with Phillip Hulme for the past year and have been extremely satisfied with his services. Phillip has helped me to create a financial plan that fits my individual needs and life goals, and has provided expert guidance and advice on a wide range of financial topics, including investments, estate planning, LLC's, and tax strategies."

- Kile M.

5-Star Reviews

"As a service member in the Reserves, and having an unrelated civilian career, I can say that Phillip has built a system that can be used by anyone. It is especially helpful for me blending financial planning from military and private sources, knowing where each one fits in my long-term plan, and understanding the best path forward. Simple, effective, and clear, and most importantly not trying to sell/pitch products and services, the Stars & Stripes model is perfect for financial planning for anyone. I cannot recommend enough!"

- Jesse M.

5-Star Reviews

"Phillip has a great depth and breadth of finance knowledge rounded out by a combination of his dedication and personal interest in the subject. He provides exemplary advice and assistance, and takes his client's financial future personally. I'm loving the TSP investment advice as I watch my hard earned $$ grow. If only I was allowed to opt into BRS!! I wholly trust and believe Stars and Stripes will enable me to sit back, relax, have another beer! in retirement much sooner than on my own.

If you're reading this review, you're already considering being responsible with your $$, so be responsible and sign up with Stars and Stripes. Your bank accounts and your financial future will appreciate you."

- Kevin B.

Our Four-Step Process - The OODA Loop

Applying the OODA Loop to Financial Planning for Military & Veterans

At Stars & Stripes Financial Advisors, we apply the OODA Loop (Observe, Orient, Decide, Act)—a military decision-making framework—to expert financial planning for military service members, veterans and their families. Just as this strategy enhances battlefield decisions, it also ensures the best financial advisors for military personnel and veterans can guide you through complex financial choices with precision and adaptability.

Observe: We assess your current financial situation, including military benefits, retirement plans, and unique challenges faced by military service members and veterans.
Orient: We analyze market conditions, tax implications, and military-specific financial strategies to align your plan with your long-term goals.
Decide: With data-driven insights, we create a personalized financial plan for military families and veterans, that improves financial security and growth.
Act: We help you execute and adjust your strategy as needed, responding to life changes with the agility required in both military and financial operations.

At Stars & Stripes Financial Advisors, we don’t just provide financial advice—we use battle-tested strategies to help military members and veterans achieve long-term financial success.

Observe

We listen and review your finances to learn more about your current financial situation, including military benefits, retirement plans, and unique challenges faced by military service members and veterans.

Orient

We discuss your life goals and assess if you are currently on target to achieve them. We develop alternatives that provide you opportunities to achieve your goals more quickly or with a greater degree of certainty.

Decide

We discuss the alternative options available to you given your unique situation and align on a plan that is tailored to your needs as a member of the military and veteran community.