TSP optimization for federal employees who want to retire with more money, pay less in taxes, and never run out.
Most federal employees set their TSP allocation once — usually defaulting to the G Fund or a target-date fund — and never look at it again. Meanwhile, your account could be growing faster, working more tax-efficiently, and setting you up for a withdrawal strategy that minimizes taxes in retirement.
The decisions you make today about Roth vs. Traditional, allocation strategy, and withdrawal timing can cost you — or save you — hundreds of thousands of dollars over your lifetime. As a TSP specialist, I help you build an allocation strategy tailored to your timeline, optimize your Roth vs. Traditional contributions based on your current and future tax situation, and plan withdrawals that minimize taxes and make your money last as long as you need it to.
The G Fund is safe, but it barely keeps up with inflation. If you're 10 or more years from retirement, you're leaving serious growth on the table.
A conservative allocation may feel safe, but when inflation outpaces your returns year after year, your purchasing power shrinks even as your balance grows.
If you're in a lower tax bracket now than you'll be in retirement, contributing to Traditional TSP could cost you tens of thousands in taxes later.
The Roth vs. Traditional decision isn't one-size-fits-all. Your current income, your pension, and your expected retirement income all factor into which is right for you.
How you take money out of your TSP matters just as much as how you put it in. One wrong move can trigger massive tax bills or push you into a higher Medicare premium bracket.
IRMAA surcharges on Medicare premiums, combined with RMDs and your FERS pension, can stack up fast. A withdrawal strategy built before you retire protects against all of it.
Your TSP isn't just a retirement account — it's one of the most powerful wealth-building tools federal employees have. But only if you use it strategically.
C, S, I, F, G, and Lifecycle funds selected based on your timeline, risk tolerance, and retirement goals — balancing growth with protection as retirement approaches.
Analyze your current tax bracket, future income projections, and retirement tax situation to determine the right contribution split for your circumstances.
Are you capturing every dollar of employer match? Balance current cash flow needs with long-term savings goals without leaving free money behind.
Contribute an extra $7,500 per year above the standard limit. Over your final working decade, catch-up contributions can add tens of thousands to your retirement balance.
Life expectancy payments, specific dollar amounts, or full withdrawal — we build a strategy that minimizes taxes, avoids penalties, and makes your money last.
Should you keep funds in the TSP or roll to an IRA at retirement? We compare investment options, withdrawal flexibility, and tax implications side by side.
Ensure your TSP goes to the right people. We review your designation forms, coordinate with your estate plan, and flag any probate risks.
Model the combined tax impact of your pension, TSP withdrawals, and Social Security. Sequence withdrawals to stay in the lowest tax bracket throughout retirement.
See how different contribution rates, fund allocations, and retirement dates affect your projected TSP balance. Run your own scenarios before we meet.
My TSP was sitting idle in the G Fund. Once we restructured it with a real strategy, I saw the growth I should have had all along.
I thought my TSP was fine until we looked at the numbers. Turns out I was losing money to poor allocation and taxes. Now I'm on track to retire five years earlier.
The withdrawal strategy alone saved me $18,000 in taxes my first year of retirement. Worth every penny.
Results are illustrative. Individual outcomes vary based on personal financial circumstances.
Schedule a free, no-obligation review. We'll look at your current allocation, run the numbers, and show you exactly where you stand.