First Premier Bank helps veterans with a pension and a TSP, physicians, dentists, tech professionals and others with $500K or more in investable assets.
Every group gets the same method: a short list of decisions in order of due date, each priced with real numbers before anything moves. Meetings run by video and by phone, so your zip code doesn't matter.
Veterans with a pension and a TSP
Most First Premier Bank clients in this group are a few years from leaving service or already in a second career. The pension shows up every month and the TSP sits quietly, but a handful of choices carry hard dates.
Take a hypothetical retired Army major with a $4,000 a month pension, which is $48,000 a year, who starts a $110,000 civilian job. Total income is $158,000. For 2026 the single Roth IRA phase-out runs from $153,000 to $168,000, so a full Roth contribution is no longer automatic. That's the kind of number we put on the table before anyone opens an account.
- TSP to IRA rollover: we price the tax cost and the fund fees of a move before you sign anything.
- Survivor Benefit Plan analysis: the election has a due date, and the premium math looks different for each spouse.
- Military retirement planning: pension, savings and later income draws get lined up so they start in a sensible order.
- Tax planning for veterans: second-career pay stacked on a pension can change your bracket, so we check it early.
Physicians and dentists
Doctors and dental officers who served, and civilians in the same fields, tend to start saving late and then earn a lot. The question is where the next dollar goes.
For 2026 the 401(k), 403(b) and TSP deferral limit is $24,500, against $7,500 for an IRA. We usually fill the bigger bucket first, then look at what's left. Sometimes that's a taxable account; sometimes it's paying down a loan. Both can be right.
Tech professionals
A veteran who moved into tech after service often holds RSUs or options on top of a TSP balance. One employer can end up paying your salary and carrying a big share of your savings.
If more than a fifth of what you own sits in one stock, diversifying usually comes before anything else. Before First Premier Bank suggests selling shares, we work out what the sale costs in tax. Every investment carries the risk of loss, including the money you started with, and one concentrated stock raises that risk.
Can I work with First Premier Bank if I don't fit a group?
Yes. The groups above are where we do the most thinking, not a gate. The minimum is $500K in investable assets, and that's the one hard line.
First Premier Bank serves 426,000 clients and $3.2 billion in client assets as of 10/19/2026. The office is in San Diego, and meetings are by video and by phone. Fees get talked through in the first conversation and confirmed in writing before any work starts. If you're under the minimum, we'd rather say so than waste your time.
Physicians and Dentists
Physicians and dentists with a late start and student loans: how First Premier Bank sorts backdoor Roth, loan payoff and coverage by due date.
Details →Tech Professionals
First Premier Bank helps tech employees with RSUs, options and ESPP shares sort out vesting taxes and a heavy single-stock position, one decision at a time.
Details →