The Thrift Savings Plan (TSP) has long served as a cornerstone of retirement savings for federal employees and members of the uniformed services. As retirement planning becomes more complex, TSP ...

Thrift Savings Plan participants and spousal beneficiaries can shift money from traditional, pre-tax TSP balances to Roth accounts without leaving the plan, starting in January 2026. Starting in late ...

Starting January 1, 2026, Federal employees and retirees will be able to convert money from their traditional Thrift Savings Plan accounts to a Roth TSP account. Federal employees can make their ...

Roth conversions get a lot of hype, but for federal employees nearing retirement, rushing could mean higher taxes and fewer ...

Beginning Jan. 28, the Thrift Savings Plan now allows participants to convert traditional (pre-tax) balances into Roth (after-tax) balances inside the TSP itself. This long-awaited change gives ...

Starting in 2026, the Thrift Savings Plan (TSP) will give every federal employee a new power move. For the first time, you’ll be able to convert your traditional (pre-tax) TSP balance into Roth (after ...

Civilian federal employees and uniformed service members will soon be able to convert their pre-tax Thrift Savings Plan balances to Roth accounts without leaving the plan. The Federal Retirement ...

・A Roth conversion ladder lets early retirees access traditional retirement funds before age 59½ without the 10% early withdrawal penalty, but each conversion requires a separate 5-year waiting period ...

Want to access retirement savings before 59½ without penalties? The Roth conversion ladder makes it possible. Here’s how it ...

While the traditional retirement age of 65 is a social construct born from the 1935 Social Security Act, the IRS age of 59.5 ...