Financial Planning – TSP Insights

Financial Planning by TSP Insight Author December 30, 2025

Give Your Federal Benefits an Annual Checkup

You’ve defined your financial goals, established an investment strategy, and begun the journey toward retirement. But along the way, change is inevitable. Life events, market volatility, and updates to laws or regulations can all affect your plans. Conducting an annual review of…

Financial Planning by TSP Insight Author November 11, 2025

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How Much Should You Have Saved in Your TSP by Age 50?

Planning for a federal retirement brings unique challenges, especially when most retirement advice targets private-sector employees without pensions like the FERS annuity. Federal employees have different benchmarks for savings, making it important to focus on guidelines tailored to your needs. By Age…

Financial Planning by TSP Insight Author October 28, 2025

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The Pros and Cons of Using Your TSP For College Tuition

If you haven’t been contributing to a 529 or pre-paid tuition plan for your child’s college tuition, you may be tempted to dip into your TSP to fund their education. Considering the high interest rate climate we find ourselves in, many parents…

Financial Planning by TSP Insight Author September 30, 2025

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How a TSP Roth Conversion Impacts Your Taxes

Beginning January 1, 2026, federal employees will have the option to perform in-plan TSP Roth conversions. This means you can transfer money directly from your Traditional TSP into a Roth TSP. If you don’t already have a Roth account, your first conversion…

Financial Planning by TSP Insight Author September 23, 2025

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Penalty-Free TSP Monthly Payments

Federal employees who exit service before age 55 can opt for monthly withdrawals from their traditional Thrift Savings Plan (TSP) based on their life expectancy. When executed correctly, these monthly payments avoid the 10% early withdrawal penalty, though they remain fully taxable.…

Financial Planning by TSP Insight Author September 16, 2025

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Drawbacks of the TSP vs IRA

The Thrift Savings Plan (TSP) was established by Congress in the Federal Employees Retirement System Act of 1986. Known for its low fees and simplicity, it’s one of the largest retirement plans in the world. There is currently around $985 billion invested…

Financial Planning by TSP Insight Author July 29, 2025

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Why an Emergency Fund Is Essential for Protecting Your TSP

During your working years, it’s generally recommended to have an emergency fund that can cover three to six months of living expenses. But in retirement, that cushion might need to be even larger to handle unexpected costs—including the impact of a stock…

Financial Planning by TSP Insight Author June 10, 2025

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What’s Your TSP Withdrawal Plan?

Do you spend more time planning vacations than thinking about your retirement withdrawals? If so, you might want to reconsider. Retirement could last 30 years or more, so it deserves the same focus you’d give to any big life event. After all,…

Financial Planning by TSP Insight Author May 6, 2025

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Exploring Your Options: Rolling a TSP Into an IRA

Thinking about rolling over your Thrift Savings Plan (TSP) into an Individual Retirement Account (IRA)? It’s a big decision, and knowing the ins and outs of both options can help you make the right call. Many TSP participants choose to roll their…

Financial Planning by TSP Insight Author April 8, 2025

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TSP After Retirement – Should You Stay Or Should You Go?

Financial planning is key to a secure retirement, but your financial plan shouldn’t follow a “set it and forget it” strategy. Even in retirement, you’ll need to make important decisions that impact your nest egg, and an important one is where to…