GET CONNECTED

Roth TSP

Understanding and Planning for Required Minimum Distributions (TSP and IRAs)

When RMDs start (73 or 75), how to calculate them, how TSP RMDs differ from IRAs, and planning moves like QCDs, conversions and the 10-year rule.
number 1

What Difference Will One More Year of Federal Service Make for FERS Retirement?

What one more year of federal service adds to your FERS annuity: the 1% and 1.1% math, the MRA+10 reduction, high-3, sick leave and current TSP limits.
Roth Conversions

Roth TSP Conversions: How In-Plan Conversions Work

In-plan Roth TSP conversions launched January 28, 2026. Here are the rules, how to decide whether to convert, and who benefits most.

Should You Spend Your Taxable Brokerage Account First in Retirement?

Whether to draw on your brokerage account, TSP or Roth first depends on your tax bracket now and later. Here is how each is taxed, with scenarios.
Make This a Priority for a Successful Retirement

Make This a Priority for a Successful Retirement: Asset Location

Having all your savings in traditional TSP means every dollar you withdraw is taxable. Why federal employees should invest in different account types.
Law Enforcement Officer Retirement, The Rule of 55, TSP, and Roth TSP

Rule of 55 and the TSP: Early Access for Federal Employees, LEOs (Rule of 50) and Roth TSP

How the Rule of 55 works for TSP, the age 50 or 25-years rule for LEOs, why it doesn't apply to IRAs, and Roth TSP withdrawals before 59½.
Year End Tax Planning Ideas

Year End Tax Planning Ideas: A Checklist for Federal Employees and Retirees

A year-end tax planning checklist for federal employees and retirees: withholding, RMDs, Roth conversions, charitable giving, TSP and Open Season.
TSP Distributions and Tax Planning for Federal Retirees

TSP Distributions and Tax Planning for Federal Retirees: A Worked Example

A worked example of how a FERS couple can draw from TSP, stay in the 12% bracket, and use Roth conversions before Social Security starts.
Tax Bracket Misconceptions

Tax Bracket Misconceptions: How Tax Brackets Really Work

Moving into a higher tax bracket only raises the tax on the dollars above the threshold. Here is how the current brackets work, with an example.
How Much Should I Have in Roth Accounts?

How Much Should I Have in Roth Accounts?

Why one third in Roth is a reasonable goal for federal employees, and how tax-free money helps you manage tax brackets and current IRMAA surcharges.