01/02/2026
Roth conversions are coming to the TSP this month, but that doesn’t mean everyone should jump in.
Converting traditional TSP money to Roth can be powerful, but it also increases your taxable income for the year and can impact future RMDs, investments, and legacy planning.
It isn’t a simple yes or no. It takes real analysis.
If you're wondering whether a Roth conversion fits your retirement plan, we can help you create a strategy that aims to keep lifetime taxes as low as possible.
Reach out now to speak with an advisor: https://www.usfeds.com/contact-us
11/03/2025
So what’s the difference between Traditional TSP and Roth TSP? You guessed it – taxes!
• Traditional TSP: Contributions go in before taxes, meaning you pay less tax now
• Roth TSP: Contributions are made after taxes, so you’ve already paid upfront
What does this mean in retirement?
• Traditional TSP withdrawals are taxed as income
• Roth TSP withdrawals can be tax-free, but there are a few rules to qualify
Not sure which option fits your situation? We’re here to help you make sense of your options and how they impact your federal retirement plan.
09/15/2025
Your FEHB health benefits can keep you and your family covered—but only if you follow the right steps.
🏥 Keep your FEHB coverage if you retire on an immediate annuity (MRA or Early Out count!) and have been enrolled for the 5 consecutive years before retirement.
⏳ Cancel your FEHB as an annuitant? You won’t be able to re-enroll.
💵 Your benefits and premiums stay the same as an active employee’s, but premiums come out of your monthly annuity.
⚠️ Your FEHB will continue for your spouse or eligible family only if you elect the right survivor option when you retire.
Make sure your benefits work for you and your family. Get informed today with a free consultation - https://www.usfeds.com
