FERS Guides
TSP strategy
The one leg of the FERS stool you actually control. Contributions and allocation while you are working, then withdrawal order and tax treatment once you are not.
4 articles
The 2026 TSP limits — $24,500, $8,000 catch-up, $11,250 super catch-up — turned into per-paycheck amounts. Plus the front-loading mistake that forfeits match, and the $150,000 Roth mandate.
The TSP allows in-plan Roth conversions as of 2025. The break-even math, why the years between retirement and RMDs are the prime window, the IRMAA trap, and worked examples.
Roth vs. Traditional TSP comes down to your tax rate now vs. in retirement. The equal-cost math, the 2026 $150,000 Roth catch-up mandate, and why FERS retirees underestimate their future bracket.
Your TSP has five withdrawal options — and the one you pick affects your taxes for the rest of your life. Here's how installment payments, the age rules, RMDs under SECURE 2.0, and the Roth question actually work.