Sign up to save your podcasts
Or
Share In-Plan Roth Conversions Are Here: What TSP Participants Need to Know
Share to email
Share to Facebook
Share to X
Share to email
Share to Facebook
Share to X
Or
In-Plan Roth Conversions Are Here: What TSP Participants Need to Know
A major update to the Thrift Savings Plan is now in effect, and it could have meaningful tax implications for federal employees and retirees.
In this episode of Rayna Retirement, Rayna Reyes explains the new ability for TSP participants to complete in-plan Roth conversions, effective January 28, 2026. She breaks down how Roth conversions work inside the TSP, what taxes apply when moving pre-tax dollars to Roth, and why planning ahead for the tax impact is essential.
Rayna also reviews key rules around Roth contributions, conversions, and growth, including five-year timelines and age-based considerations, and shares why thoughtful, smaller conversions may be more effective than large lump-sum moves.
--
Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org
--
YouTube: https://www.youtube.com/@RaynaRetirement
Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.
Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.
View all episodes
By American Federal Benefits ConsultantsA major update to the Thrift Savings Plan is now in effect, and it could have meaningful tax implications for federal employees and retirees.
In this episode of Rayna Retirement, Rayna Reyes explains the new ability for TSP participants to complete in-plan Roth conversions, effective January 28, 2026. She breaks down how Roth conversions work inside the TSP, what taxes apply when moving pre-tax dollars to Roth, and why planning ahead for the tax impact is essential.
Rayna also reviews key rules around Roth contributions, conversions, and growth, including five-year timelines and age-based considerations, and shares why thoughtful, smaller conversions may be more effective than large lump-sum moves.
--
Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org
--
YouTube: https://www.youtube.com/@RaynaRetirement
Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.
Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.