Federal employees often hear that the Thrift Savings Plan is one of the best retirement plans available—and during your working years, that's often true.

But what happens when retirement begins?

In this episode of Federal Benefits Explained, Andrew McNair breaks down six important limitations of the TSP that many federal employees don't discover until they're preparing to retire.

You'll learn:

•    Why Roth and Traditional TSP balances must share the same investment allocation.
•    The challenges of Roth conversions inside the TSP
•    Why Qualified Charitable Distributions (QCDs) aren't available from the TSP
•    The investment options available in an IRA that aren't available inside the TSP
•    How Required Minimum Distributions (RMDs) work differently
•    Why the TSP's pro-rata withdrawal rules can create challenges during market downturns.

Whether you're approaching retirement or already retired, understanding these differences can help you make more informed decisions about your retirement income strategy.

 If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation  

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.