Recent executive orders have once again brought security clearance policy into the spotlight. From expedited interim clearances for political appointees to mass revocations targeting former intelligence officials, one thing is clear: Your clearance can be affected by both your conduct and the shifting political climate.
Losing a security clearance is more than an HR headache, it can disrupt your career, your income, and your access to retirement roles or consulting work. While this is an extremely stressful situation, there is some potentially good news. If your clearance is denied or revoked, you can appeal the decision, and you have rights that may help protect you. These tips can help you appeal a security clearance denial.
Step 1: Understand Why Your Clearance Was Revoked or Denied
Start by reviewing the Statement of Reasons (SOR) or official denial letter. These documents explain the basis for the decision, which may include financial issues, foreign contacts, personal conduct, or other concerns about reliability or judgment.
Pay attention to which agency is handling your case. Many of our Feds are under the Department of Defense (DoD), which follows the DOHA security clearance process. Others, like those at the Department of Energy (DOE) or Intelligence Community, may have slightly different appeal tracks.
Step 2: Respond Promptly and Thoroughly
You’ll typically have just 15 to 30 days to respond, and missing a deadline can close the door on your appeal. Formulate your response in writing, addressing each concern raised in the SOR point-by-point. Be sure to back up your explanations with documentation, such as debt payoff records, letters of recommendation, or proof of completed counseling.
Step 3: Prepare for the DOHA Hearing (If Applicable)
If your case falls under the DoD, your appeal will go through the Defense Office of Hearings and Appeals (DOHA). This is a formal legal proceeding, where you present your case in front of an administrative judge. It’s your opportunity to challenge the concerns outlined in the SOR by submitting evidence, bringing witnesses, and explaining the situation in your own words.
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Step 4: Consider Hiring a Professional
You can represent yourself through the process, but it’s likely not the best option. Clearance law is highly specialized, and having the right legal guidance may significantly improve your odds of success. Some employee assistance programs or professional associations may offer access to vetted security clearance attorneys who understand the DOHA security clearance process and other agency-specific rules.
Step 5: Understand What Happens After the Hearing
After the hearing, the judge will make a recommendation to either reinstate your clearance or uphold the revocation. That recommendation then goes to the Personnel Security Appeals Board (PSAB) or another agency-specific panel, which is responsible for making the final decision.
If the clearance is denied again, you may be eligible to reapply after a set waiting period (typically one year) if you can show meaningful changes in your circumstances.
Document, Plan, and Protect Your Career
A reinstated clearance is good news, but it’s not necessarily the end of the story. You’ll need to keep a clean record and avoid any behavioral or financial red flags. Late payments, tax issues, and legal trouble can each trigger a new review under current clearance monitoring policies.
Working with a CFP® professional can help you create a financial plan that supports long-term clearance eligibility. Your security clearance is a career asset, so it's important to protect it like one.
While the appeals process can be long, many professionals succeed with preparation and persistence. The experts at Serving Those Who Serve are here to help you stay informed and financially ready — no matter what your clearance journey looks like. Reach out to our team at [email protected] to schedule a personal appointment.
The information has been obtained from sources considered reliable but we do not guarantee that the foregoing material is accurate or complete. Any opinions are those of Serving Those Who Serve writers and not necessarily those of RJFS or Raymond James. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Investing involves risk and you may incur a profit or loss regardless of strategy suggested. Every investor’s situation is unique and you should consider your investment goals, risk tolerance, and time horizon before making any investment or financial decision. Prior to making an investment decision, please consult with your financial advisor about your individual situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional. **
