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TSP withdrawals

TSP Withdrawal to Pay Off Debt

Should you pull money from your TSP to pay off your mortgage? A real client example of how taxes and withholding change the math.
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.
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.
Four Things Federal Retirees Can't do With TSP

Things Federal Retirees Still Can’t Do With TSP (and One That Changed Recently)

Three TSP limits that still affect federal retirees, plus the big change: in-plan Roth conversions are now allowed.
FERS Retirees May Want to Delay Social Security

FERS Retirees May Want to Delay Social Security: A Claiming Guide

When should FERS retirees take Social Security? Claiming-age rules, the effective-tax reason to delay, survivor benefits and current figures.
Buying a House as a FERS Retiree

Buying a House as a FERS Retiree: Should You Use Your TSP?

Should a FERS retiree pull money from TSP to buy a house? Usually not all of it. A current example of filling the 12% bracket to fund a down payment.
Roth TSP, Roth IRAs and the Five Year Rule

Roth TSP, Roth IRAs and the Five Year Rule

How the Roth five-year rule works for Roth TSP, Roth IRAs and conversions, including in-plan TSP conversions, and what to do if you retire before 59½.
Taxes and Timing Matter

Taxes and Timing Matter: How to Time a Large TSP Withdrawal

A retiree wanted $100,000 from his TSP for a down payment. Splitting it across two tax years and planning for 20% withholding saved him $5,000.
The Problem With Having No Life Insurance

The Problem With Having No Life Insurance in Retirement

Why federal retirees shouldn't rule out life insurance: how losing one spouse can cut household income by 39% and what that means for TSP withdrawals.
How Retirement Income is Different Than Your Paycheck

How Retirement Income is Different Than Your Paycheck

Why your FERS retirement income won't match your paycheck: after-tax health premiums, deductions that disappear, and how each income source is taxed.