Originally Posted by
jimf15e
The previous post is correct about treating high-AD time reservists differently when it comes to AD retirements. I've heard the same data about the Navy as previously posted - they generally frown on it. On the other hand, historically the AF Reserve has been very good about it. 20 years AD is 20 years, they won't stand in the way of an assignment to prevent having to pay for that retirement.
My understanding as well, USAF and Army will not treat you differently just because you're pushing 20. The Navy has formal procedures to try and prevent any reservist from reaching sanctuary. The only way around it is generally to already be on orders as you approach 18, and then request a waiver to extend the orders (endorsed by a fleet commander or equivalent flag). I've seen it happen but only for overseas hardship type tours.