FERS Guides
TSP strategy
The one leg of the FERS stool you control: contributions and allocation while working, then withdrawal order and tax treatment once you're retired.
4 articles
2026 TSP limits ($24,500, $8,000 catch-up, $11,250 super catch-up) as per-paycheck amounts, the front-loading match trap, and the $150,000 Roth mandate.
The TSP has allowed in-plan Roth conversions since 2025. The break-even math, why the years before RMDs are the prime window, the IRMAA trap, and 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 rule, and the bracket trap.
Your TSP withdrawal choice affects your taxes for life. How installments, the age rules, RMDs under SECURE 2.0, and the Roth question actually work.