TSP Investment Management
Your Thrift Savings Plan is likely your largest retirement asset. Get professional guidance on allocation, rebalancing, and withdrawal strategies designed specifically for federal employees.
Comprehensive TSP Management
We help you make the most of every dollar in your Thrift Savings Plan, from contribution strategies now to withdrawal optimization in retirement.
Risk Assessment
Before recommending any allocation, we assess your risk tolerance, time horizon, and complete financial picture. Your TSP strategy should reflect your personal situation, not a generic age-based formula.
Allocation Strategy
We analyze the ten TSP funds (G, F, C, S, I, and L funds) and recommend an allocation that balances growth potential with appropriate risk. Our recommendations consider your pension, Social Security, and other assets.
Roth vs Traditional Analysis
Should you contribute to Roth TSP, Traditional TSP, or both? We model your specific tax situation to determine the optimal split based on current income, expected retirement tax bracket, and state tax considerations.
Rebalancing Guidance
Markets fluctuate, and your allocation drifts over time. We provide clear guidance on when and how to rebalance your TSP to maintain your target allocation without overreacting to market movements.
Withdrawal Strategy
When you retire, how you withdraw from TSP matters for taxes and longevity. We design a withdrawal sequence that coordinates TSP with your pension, Social Security, and other accounts to minimize lifetime taxes.
Rollover Evaluation
Should you leave money in TSP after retirement or roll it to an IRA? Each option has trade-offs. We help you evaluate the costs, flexibility, and investment options to make the right choice for your situation.
TSP Challenges We Help Solve
Analysis Paralysis on Fund Selection
C, S, I, G, F, or L fund? Many federal employees feel overwhelmed by the choices and either stick with defaults or make decisions based on recent performance. We provide clarity on which funds fit your goals.
TSP Balance Seems Too Low
If you started contributing late or at lower rates, you might feel behind. We help you develop a catch-up strategy, maximize contributions, and project realistic outcomes so you know where you stand.
Uncertain About Roth Contributions
The Roth TSP option adds complexity. Traditional contributions reduce taxes now; Roth contributions provide tax-free growth. We calculate which strategy saves you more money over your lifetime.
Worried About Market Volatility
Seeing your TSP balance drop during market corrections is stressful. We help you understand appropriate risk levels for your timeline and design an allocation you can stick with through market cycles.
Our TSP Management Process
Current Position Review
We review your current TSP allocation, contribution rate, and balance. We also gather information about your other assets, pension, and retirement timeline to see the complete picture.
Initial consultationRisk and Goal Assessment
We discuss your risk tolerance, retirement goals, and any concerns about market volatility. This helps us design an allocation that you'll be comfortable maintaining long-term.
30-45 minutesStrategy Development
We develop your personalized TSP strategy including fund allocation, Roth vs traditional split, and contribution level recommendations. All recommendations are explained in plain language.
Delivered in written reportOngoing Monitoring
For comprehensive planning clients, we monitor your TSP allocation and provide rebalancing guidance. We also update your strategy as you approach retirement and your needs evolve.
Quarterly reviewsWhy Choose PlanWell for TSP Management
Federal Benefits Integration
Your TSP doesn't exist in isolation. We understand how it fits with your FERS pension, Social Security, and FEHB. Our recommendations reflect your complete federal benefits package.
Evidence-Based Approach
We don't chase hot funds or time the market. Our recommendations are grounded in academic research on asset allocation and diversification, tailored to federal employees' unique situation.
Managing Risk
We design your investment strategy to grow with inflation, support retirement withdrawals, and manage market risk efficiently.
Retirement Transition Experts
The years before and after retirement are critical for TSP decisions. We specialize in helping federal employees navigate this transition without costly mistakes.
TSP Management FAQs
Which TSP fund has the best returns?
Historically, the C Fund (large cap U.S. stocks) and S Fund (small cap U.S. stocks) have had higher long-term returns than the G Fund or F Fund. However, higher returns come with higher volatility. The "best" fund depends on your time horizon and risk tolerance. Near retirement, you may prioritize stability over maximum returns.
Should I use the L Funds or pick my own allocation?
Lifecycle (L) funds automatically adjust your allocation as you approach your target retirement date. They're a reasonable choice if you prefer simplicity. However, a custom allocation can be optimized for your specific pension, risk tolerance, and other assets. We can help you decide which approach fits your situation.
Is Roth TSP better than Traditional TSP?
It depends on your current tax bracket versus your expected retirement tax bracket. If you expect to be in a higher bracket in retirement (including state taxes), Roth may be better. If you're in a high bracket now and expect lower retirement taxes, Traditional may save more. We model both scenarios to give you a clear answer.
Can I access TSP before age 59½ without penalty?
Yes. The "Rule of 55" (or 50 for special provisions) allows penalty-free withdrawals if you separate from service in the year you turn 55 or later. You can also take Substantially Equal Periodic Payments (SEPP) at any age. We help you understand all your options.
Should I roll my TSP into an IRA when I retire?
TSP has very low fees, but IRAs offer more investment choices and potentially more flexible withdrawal options. The right answer depends on your investment preferences, estate planning goals, and whether you want to consolidate accounts. We evaluate the trade-offs specific to your situation.
Ready to Optimize Your TSP?
Get professional guidance on your Thrift Savings Plan from advisors who understand how it fits with your federal benefits.