Anyone who was in the military as of Dec. 31, 2017, is automatically grandfathered into the High-3 Legacy retirement system. This is the system where you multiply the number of years you serve by the average of your highest 36 months of basic pay by 2.5%. This option requires you to serve at least 20 years to qualify for retirement. However, if you have less than 12 years of service (active duty) or less than 4,320 points (Reserves/National Guard), then you have a choice to make. You can either stick with the High-3 system or opt into BRS. To make the right decision for you, take a hard look at your finances and your goals. Chat with your spouse or family. Make an appointment with your installation's personal financial manager or another trusted advisor and run the BRS calculator. For more information, visit Military.com.
Your Military Retirement Choices
