What happens to your TSP when you Die? What happens to your TSP when you die? Of course, the money needs to go somewhere, to someone, but are there any best practices? Join me in my upcoming webinar and we’ll explore the following: various TSP beneficiaries – spouse vs non-spouse tax ramifications putting the TSP into
TSP Report December 2025 Facts: The government shutdown ended on November 12th and previously delayed economic and labor market data has trickled in since. The unemployment rate in September ticked up by 0.1% to 4.4%. The G Fund interest rate fell from 4.25% to 4.125% in November. The US Purchasing Managers Index (PMI) increased to
TSP Report November Facts: The Federal Reserve reduced its benchmark “Federal Funds Rate” range from 4.00-4.25% by another 0.25% to 3.75%-4.00% at its October 29th The G Fund rate has not been updated due to the government shutdown, although it is still earning interest during this time. We estimate the current rate to be either
TSP Report October 2025 Facts: The Federal Reserve cut its benchmark “Federal Funds Rate” range from 4.25%-4.50% to 4.00%-4.25%. The G Fund rate, which can be influenced by Federal Reserve policy, fell by 0.125% in September to 4.250%. The unemployment rate ticked up to 4.3% while job growth continues to soften. Evidence of substantial layoff
New Webinar – Coordinating your TSP with your other investments The TSP is just one piece of the puzzle. If you have other investment accounts, you can coordinate them with your TSP so that you can position the correct assets in the correct account. This will help you pay less in taxes and be strategic
How does the market respond to wars – hot wars and trade wars? It seems the theme of 2025, thus far, is WARS! We went from trade wars to hot war with Iran. It’s scary, I get it. I’ve already had a couple of clients move everything to the G fund, against my wishes.
VERA and Accessing your TSP before 59.5: The general rule for Traditional retirement accounts such as IRAs, 401(k)s, TSP is that they can only be accessed at age 59.5. If you dare access them before 59.5, the IRS slaps you with a 10% early access penalty. But there are two notable exceptions to the age
Here we go with a second Trump term! Once Trump go elected, the post-election reactions started pouring in. Here’s a sampling, with slight edits to simplify reading, preserve the flavor but also conceal identity: “I am a recent federal retiree that panicked amid the last election outcome by moving my tsp to bonds. I am
TSP Planning Report May 2024 Facts: The G Fund rate for May 2024 decreased from 4.375% to 4.25%. The Fed Funds interest rate remained at 5.3%. This month’s unemployment rate decreased to 3.8% from 3.9%. The 1st Estimate for Q1 2024 GDP came in at 1.6%. Last quarter’s GDP was 3.4%. PMI (Purchasing Managers Index)
14 Differences between TSP & IRA TSP vs. IRA: Both are retirement accounts, both offer a Roth and a Traditional option, yet there are many important differences. Here are 14 differences 1. Contribution Amounts (2024): TSP allows $23,000 annual contributions while IRAs only allow $7,000. Furthermore, TSP allows an additional ‘catch-up’ contribution of $7,500 starting
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