Should you leave your Thrift Savings Plan (TSP) untouched, roll it to an IRA, or turn it into a lifetime income stream? In this episode, we break down the real-world pros and cons of each TSP retirement option so you don’t accidentally trade away flexibility, tax control, or your spouse’s future security. Most federal employees pick the “simple” choice with TSP—and it can quietly cost them in taxes and lost options later.

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Your FERS pension and Social Security are already annuities—so before you annuitize your TSP, make sure you’re not giving up control, flexibility, and future tax planning opportunities you may really need in retirement.

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CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
0:00 3 Options for Your TSP in Retirement
3:45 Option 1 – Annuitizing Your TSP for Lifetime Income
7:30 The Hidden Downsides of TSP Annuitization (Loss of Control & Spousal Protection)
12:45 Option 2 – Leaving Your Money in TSP: “Simple and Cheap” Explained
17:30 Why “Simple and Cheap” Can Be a Problem in Retirement (No Real Plan)
21:30 Option 3 – Rolling TSP or 401(k) to an IRA for More Flexibility
26:00 Tax Planning, RMDs, and Why Uncle Sam Shouldn’t Write Your Retirement Plan
30:00 Health Tip – Why Morning Exercise Supports a Strong Retirement Lifestyle
32:20 Final Thoughts, Getting Help, and Next Steps with CD Financial

#TSPRetirement #FederalRetirement #CDFinancial #ThriftSavingsPlan #retirementplanning 

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

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