Fee-only financial advisors for federal employees with Thrift Savings Plan (TSP).
TSP is federal's 401(k) equivalent but with unique dynamics: 5 basic funds (G/F/C/S/I), Lifecycle funds, ultra-low fees (~0.05%), but rigid withdrawal options. Rollover decisions at separation carry irreversible consequences — leave in TSP vs roll to IRA vs leave partial. FERS pension + TSP + Social Security is a 3-legged stool; coordination matter
Situations we handle
- Retiring from federal service with $1.4M in TSP — stay in TSP or roll to IRA?
- TSP withdrawal options are limited — does IRA give me more flexibility?
- FERS pension + TSP + SS coordination — what's the optimal claiming order?
- C fund vs L fund vs outside index funds — should I simplify?
- Roth TSP vs Traditional TSP contribution strategy
- Survivor benefit election — Max or partial?
Why a specialist. This niche requires specific knowledge that generalist advisors don't have.
Tools & guides
TSP Rollover & Strategy Calculator
Compare leaving funds in TSP vs rolling to an IRA — fees are almost identical, but flexibility and coordination with FERS/CSRS are the real levers.
TSP Retirement Planning Guide
Detailed framework — rules, tradeoffs, employer- and account-specific nuances, common mistakes.
Get matched with a specialist
Fee-only advisor with no commission conflict. Free match.