I am a huge fan of the G Fund in the Thrift Savings Plan (TSP). It is a great fund, but unfortunately, we see so many people approach retirement and abuse the G Fund in a way that just doesn’t make any sense. Depending on how you use it, you Read more…
https://youtu.be/p2zIiHy1miE Taxes can be one of the most intimidating topics for federal employees approaching retirement. After a long career of hard work, the last thing you want is for the government to take a massive chunk of your hard-earned savings. The big question on every Fed’s mind is: how much Read more…
https://youtu.be/i00b4vM89Yc If you are a federal employee getting the itch to retire and wanting to leave as soon as possible, you might be wondering how to retire early without losing all of your hard-earned benefits. Things like keeping your health insurance and getting a healthy, unreduced pension right away do Read more…
https://youtu.be/88UAWKeNvpE If you have part-time service within your federal career — whether a lot or a little — it is going to impact how your pension is calculated. Understanding exactly how that works is essential so you know what your retirement will look like before you get there. Does Part-Time Read more…
https://youtu.be/VMIfn4Qj4n0 Retirement brings many certainties—a pension, more time with family, freedom from the daily commute. What it does not bring is certainty about your health. Medical costs in retirement are, by their very nature, unpredictable. You cannot know exactly what conditions will arise or what treatments you will need. But Read more…
https://youtu.be/x5LqTLscgiU Every year, thousands of federal employees leave the Thrift Savings Plan (TSP) to take advantage of the greater flexibility and investment options that an Individual Retirement Account (IRA) can offer. The move can be a smart one—but only if it is executed correctly. Getting the money from the TSP Read more…
https://youtu.be/J8Ek7cuT5RE For many federal employees, the introduction of Roth options within the Thrift Savings Plan (TSP) sparked significant excitement. It represented a new frontier for tax-free growth and more flexibility in retirement. However, there is a substantial difference between simply having access to a Roth account and knowing how to Read more…
https://youtu.be/g8wQQTWDx3c When economic headlines begin to scream about an impending recession, many federal employees find themselves paralyzed by uncertainty. Without a concrete plan, most fall into one of two dangerous traps. They either freeze and do nothing while their account value plummets, or they panic and move their entire balance Read more…
https://youtu.be/jfQJztI8EgU For many federal employees, the Thrift Savings Plan (TSP) is the crown jewel of their retirement strategy. You’ve spent decades “climbing the mountain”—saving diligently, watching the markets, and reaching that peak where you finally have enough to step away from federal service. However, many retirees soon realize that getting Read more…
https://youtu.be/08MPztsHm7M For decades, the Internal Revenue Service (IRS) remains a silent partner in your career. They watch patiently as you diligently contribute to your traditional Thrift Savings Plan (TSP), celebrating as your balance grows through compound interest and consistent contributions. However, this patience is not without a price. Eventually, the Read more…
