Understanding how to withdraw from your Thrift Savings Plan (TSP) is a critical part of retirement planning for federal employees. While many spend decades building their TSP balance, the decisions made at retirement, especially around distributions. can have a lasting impact on income, flexibility, and long-term outcomes.

In this episode, Micah Shilanski walks through several common TSP withdrawal options, including systematic withdrawals, life expectancy-based payments, partial rollovers, and annuity elections. He explains how each option works, highlights potential trade-offs, and outlines considerations federal employees may want to evaluate before making a decision.