The new Roth Thrift Savings Plan in-plan conversion option (starting Jan. 2026) is complex — and may benefit some but not all traditional TSP participants. Ed Zurndorfer provides five important questions before considering this option, plus helpful insight on the tax consequences, who is eligible to participate, and the complicated rules and required minimum distrubion (RMD) issues. Practical examples are included more…
Thrift Savings Plan (TSP)
New Mandatory Roth TSP Catch-Up Contribution Rules
New rules for mandatory Roth TSP catch-up contributions go to effect Jan. 1, 2026. And there are many challenges and confusion regarding which federal employees are (or are not) effected, and the financial impact. Ed Zurndorfer answers some important frequently asked questions including practical examples more…
How to Maximize Your 2026 TSP Contributions and Not Lose Agency Matching Contributions
Ed Zurndorfer discusses how regular contributions and catch-up contributions made to the TSP affect agency matching contributions for federal employees covered under FERS — and how those employees can avoid losing matching TSP contributions from their agency. Practical examples and worksheets are included more…
TSP Roth In-Plan Conversions Coming in Late January 2026
The Thrift Savings Plan has announced the launch date of traditional to Roth in-plan conversions. Here’s what you need to know regarding eligibility, frequency, the pros and cons — and tax consequences more…
2026 Thrift Savings Plan Maximum Contribution Limits
The Internal Revenue Service announced the cost-of-living adjustments affecting 2026 TSP contribution limits — as well as dollar limitations for traditional and Roth IRAs and other retirement-related items… more…
Government Shutdown Relief Bill Introduced to Ease Hardship TSP Withdrawals
If passed, the legislation would allow federal employees to withdraw funds from their TSP without being penalized if the government shutdown is prolonged, while ensuring that funds could be recontributed later on more…
What Departing Federal Employees Need to Know About Their TSP Accounts
Thousands of federal employees have left or will be leaving federal service sometime between now and the end of 2025. Ed Zurndorfer discusses the options a separating employee has with their Thrift Savings Plan (TSP) traditional and Roth accounts. more…
What Happens to Your TSP Account During a Government Shutdown?
Get updated answers on the shutdown’s impact to Thrift Savings Plan contributions, loans and withdrawals more…
Tax Rules on TSP Installment Payments
Upon leaving or retiring from federal service, Thrift Savings Plan participants can request installment payments from their traditional TSP account. Ed Zurndorfer explains the taxes on this TSP withdrawal option more…
Tax Rules on TSP Withdrawals
Before deciding to withdraw money from their Thrift Savings Plan (TSP) accounts, TSP participants are advised to be aware of the tax rules. Ed Zurndorfer outlines them for both traditional and Roth TSP accounts, including the IRS reporting rules, withholding taxes, and early withdrawal penalties more…