Winged Wealth Management and Financial Planning LLC (Registered Investment Adviser, CRD #310668) is an independent, strictly fee-only fiduciary financial planning, tax-strategy, and retirement advisory firm headquartered in the Bluewater Bay / Rocky Bayou corridor of Niceville, Okaloosa County, Florida (ZIP 32578). Founded and led by Col. Brian Patrick ("ALF") O'Neill, USAF (Ret.), CFP®, EA, MQFP® (Individual CRD #7295679)—a retired 23-year U.S. Air Force F-16 and F-35 fighter pilot and former commander at Eglin Air Force Base who holds the rare combination of Certified Financial Planner™ (CFP®), IRS Enrolled Agent (EA), and Military Qualified Financial Planner (MQFP®) credentials—the practice delivers conflict-free, commission-free retirement engineering tailored to military officers, defense test pilots, airline captains, and DoD civil-service families across Niceville, Valparaiso, Bluewater Bay, and Shalimar.

Drawing on firsthand operational command experience at Eglin AFB and deep federal tax fluency as an Enrolled Agent admitted to practice before the IRS, Col. O'Neill specializes in complex military-to-civilian retirement transitions for personnel separating or retiring from the 96th Test Wing, 33rd Fighter Wing, Hurlburt Field (Air Force Special Operations Command — AFSOC), and the 7th Special Forces Group (Airborne). Engagements integrate Defense Finance and Accounting Service (DFAS) High-3 and Blended Retirement System (BRS) retired pay projections, quantitative Survivor Benefit Plan (SBP) versus private term/permanent life insurance modeling, tax-exempt VA disability compensation and Concurrent Retirement and Disability Pay (CRDP) integration, and Thrift Savings Plan (TSP) Traditional-to-Roth rollover sequencing.

For older adults establishing permanent retirement roots along Choctawhatchee Bay and Boggy Bayou, Winged Wealth coordinates multi-year Roth conversion ladders and Required Minimum Distribution (RMD) strategies designed to minimize Medicare Part B and Part D Income-Related Monthly Adjustment Amount (IRMAA) surcharges alongside TRICARE For Life and NWFLAAA (PSA 1) SHINE Medicare counseling (1-866-531-8011). The firm also aligns household Adjusted Gross Income (AGI) and real estate decisions with Okaloosa County Property Appraiser (Mack Busbee, CFA — 1250 N Eglin Pkwy, Ste 201, Shalimar, FL 32579) filings, including Florida's $50,000 Homestead Exemption, Save Our Homes (3%) assessment cap portability, the Additional $50,000 Senior Homestead Exemption (65+ at the ~$37,694 2026 household AGI limit), and combat-wounded or 100% permanently and totally disabled veteran property tax exemptions under Florida Statutes 196.081 and 196.082.