Federal Employee Information Partnership
If you look at the glossy brochures coming out of the big financial houses on Wall Street, they will tell you that the United States economy is a marvel of resilience. They use comfortable, scrubbed-clean phrases like “standard market cycle” and “healthy correction” and diversification to describe the terrifying cycles in your retirement account. They […]
An agency in trouble An institution that has bound this nation together since its very founding is, tonight, gasping for its life’s breath. In an unnatural and deeply sobering turn of events, the United States Postal Service has taken a drastic step—one born of necessity but steeped in a profound sense of loss. To stave
The federal employee, like any other citizen, faces a sobering reality: you cannot take it with you. For the civil servant, the Thrift Savings Plan has long been a fortress of financial security, but tonight we look at the cracks in that fortress. Consider a devoted retiree who spent thirty years building a nest egg
TSP, can’t take it with me, will my beneficiary get it? Read More »
In 2026, the markets look a lot like a stormy sea. But for those of you looking for a place to drop anchor, there’s a harbor where the water is always still. It’s the TSP G Fund. Now, it doesn’t follow the “giants of industry” or those “tech titans” that make the headlines. No, sir. It
IN FINANCIAL STORMS, WHERE TO FIND A SAFE HARBOR Read More »
Understanding the S Fund’s Nosedive — and Its Rebound TSP 101: Quick Refresher The Thrift Savings Plan (TSP) is the federal government’s version of a 401(k). It offers five core investment funds: The S Fund represents the “rest of the U.S. stock market” beyond the largest 500 companies. It carries more growth potential—but also more
The TSP ROTH conversion process and OTHER OPTIONS A TSP ROTH conversion, offers income as tax free? “Oh, that sounds good!”, well, it sounds good, but the reality of the ROTH conversion come with issues and its own challenges. ROTH conversion and Tax Free are ironic fables. When you were given an allowance by your
ROTH CONVERSION IS NOT TAX FREE Read More »
To protect and care for your spouse was a promise made at your wedding. Remember? This would include leaving behind, in the event of your death, income and assets to care for your spouse, especially if he/she doesn’t have their own retirement program. So, as a federal employee, what benefits are at your disposal to
Spousal Survival Benefit: A good deal or smoke and mirrors? Read More »
It is always recommended, we sit back at times, and take stock of our budget, finance and where our money sits and draws dust. We change bank accounts for better efficiency, we change cars when the old one is not longer reliable, and too, we need to look at our finances and make some decisions.
Transferring IRA, 401(k) 403(b) into TSP Read More »
Under what conditions can a TSP be frozen? Not many, but let’s look at Alexander’s, who called me this week with a huge “HELP! I cannot access my TSP!” Alex’ story: Alexander (Alex) is 63 years old, is married, with three grown kids, and plans to continue working with USDA for another 3 or 4
“HELP! I cannot access my TSP!” Read More »
The Importance of Self-Management by Rebalancing If you’re going to use the individual TSP funds to build your portfolio, you’ll want to rebalance periodically. Rebalancing is the process of bringing your portfolio back into line with the overall allocation you want to maintain based on the level of return and risk you’re targeting. The longer