Should You Really Stay in TSP (Thrift Savings Plan) in Retirement?

Can I roll over a portion of my TSP to an IRA vs the entire account?

Should I keep my money in the TSP in retirement or roll it over to an IRA for better gains?

Helpful Article: https://hawsfederaladvisors.com/tsp-vs-ira-the-ultimate-guide/#:~:text=One%20major%20difference%20between%20these,you%20invest%20in%20an%20IRA.

Am I eligible to retire at age 54 with 30 years of service under FERS? How does this affect my pension and social security?

Is it wise to wait and file for social security the month after I receive my unused annual leave check? I don’t want the amount to be counted as income and affect my social security amount.

If 100% of my retirement money is located in a regular TSP account is it possible for me to transfer it all to a Roth TSP? And lastly, if that is possible would it even be a smart move?

I am in the special retirement category but I have never heard of the 10% bonus you have mentioned? I am guessing it doesn’t apply to special retirement employees?

Is there any benefit to retiring at the end of January which would mean locking in a full payday in the new year with the first of the year pay raise?

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Dallen J. Haws, CFP®, MBA

CEO and Lead Planner

Dallen is one of the most sought after federal retirement experts in the country.

He routinely speaks/consults with thousands of federal employees about their benefits and retirement. He is a self-professed nerd about helping those under FERS to maximize benefits, reduce taxes, and retire confident.

He is a regular contributor to Govexec and FedSmith and many other federal employee new sites.

When he is not perfecting retirement plans, you can find him training for triathlons or going on adventures with his family.

Common Questions

What do you do?

We are the go-to financial planning firm/financial advisors for FERS federal employees all around the country (and the world). We help our clients maximize their benefits, reduce taxes, and retire confident.

Who do you serve?

We serve FERS federal employees everyday, all day, and twice on Sunday. We eat and breath federal benefits and are proud to be the go-to financial planners for FERS federal employees all around the world.

How do you make money?

We are a commission-free (a.k.a. fee-only) financial planning firm for FERS federal employees. Our fees depend on the complexity of your situation but our fees are always very transparent. Some financial advisors are commission-based, which may cause fees to be hidden or create conflicts of interest. Not us. Our goal is to lower your taxes, maximize your benefits, and make sure you can retire without worry. For more info about our fees, click here.

Can you meet virtually and work with people in other locations?

Yep! We work with people from all over the U.S. as well as many federal employees who are stationed overseas.

What areas do you help your clients with?

Great question. Here are the 5 areas that we help our clients with:

-Retirement Planning: Planning for the day when work is optional

-Investment Planning: Building wealth for your future

-Tax Strategy: Taking advantage of opportunities in the tax law

-Insurance Planning: Protecting your loved ones and what you’ve already built

-Estate Planning: Planning for those you leave behind

One thing we found that clients really appreciate is that no other financial advisor is able to help them with their federal benefits as well as the rest of their financial lives like we can.

Disclosures