YOUR PAYCHECK STOPS.YOUR LIFE DOESN'T.
You've spent years building your TSP. Now it's time to understand how your TSP, FERS pension, Social Security, and other retirement assets can work together to support the life you want after federal service.
A focused retirement planning conversation designed specifically around the financial decisions federal employees face before and after retirement.
Retirement is not a single decision.
Federal employees often enter retirement with several valuable benefits — but those benefits do not automatically become a coordinated retirement income plan.
Growth, withdrawals, allocation, rollover decisions
Income, survivor benefits, retirement timing
Claiming strategy and coordination
Savings, investments, Roth accounts, insurance, annuities, and liquidity
The challenge is determining how those pieces should work together.
What is a TSP Retirement Review?
A TSP Retirement Review is a focused conversation designed to help you better understand the financial decisions surrounding your transition from a federal paycheck to retirement income.
Schedule Your Complimentary ReviewDuring the review, we can discuss:
- Your current TSP balance and allocation
- Retirement timeline
- Expected FERS pension
- Social Security timing
- Withdrawal strategy
- Required Minimum Distributions
- Roth and tax considerations
- TSP rollover options
- Income needs in retirement
- Liquidity reserves
- Legacy goals
- Long-term retirement income considerations
The question is not just, "How much have I saved?"
It is: "What replaces my paycheck?"
For most federal employees, retirement income will come from several different sources. The goal is not simply to accumulate assets. The goal is to understand how those assets can eventually create the income, flexibility, and confidence you need throughout retirement.
Today
Federal Paycheck
Retirement
Retirement Income Plan
Questions worth answering before you retire
Should I leave my money in the TSP after retirement?
How much can I safely withdraw each year?
When should I claim Social Security?
Should I convert part of my retirement assets to Roth?
How much cash should I keep available?
How should my TSP allocation change as retirement approaches?
Could guaranteed income play a role in my plan?
How will taxes affect my retirement income?
What happens if markets decline shortly after I retire?
How do I make sure my spouse is financially protected?
A TSP Retirement Review may be especially useful if you are:
- Within 10 years of retirement
- Preparing to retire soon
- Recently retired
- Concerned about turning savings into income
- Unsure what to do with your TSP
- Considering a TSP rollover
- Thinking about Roth conversions
- Deciding when to claim Social Security
- Evaluating annuity or income strategies
- Trying to coordinate your pension, TSP, and other investments
A simple place to start
Schedule your review
Choose a convenient time for a conversation.
Understand your retirement picture
We review your TSP, pension, Social Security, income needs, and other relevant assets.
Identify your next decisions
You leave with greater clarity around the questions, tradeoffs, and planning opportunities that deserve attention.
A planning conversation, not a sales presentation.
Johnathan Adler
Johnathan Adler works with individuals and families to help them make better financial decisions around protection, retirement, income, and long-term financial planning.
Over the past 15 years, he has worked with numerous TSP account owners and has developed a particular interest in helping federal employees think beyond their TSP balance and toward the larger retirement-income picture.
His approach begins with understanding what someone is trying to accomplish, identifying the decisions that matter most, and determining how different financial resources can work together.
Independent. Educational. Not affiliated with the government.
TSPRetirementReview.com is an independent educational and financial planning resource. It is not affiliated with, endorsed by, or sponsored by the Federal Retirement Thrift Investment Board, the Thrift Savings Plan, the United States Government, or any federal agency. "TSP" and "Thrift Savings Plan" are used for informational and descriptive purposes only.
You spent years building your retirement.Now make sure the pieces work together.
A complimentary TSP Retirement Review can help you better understand how your TSP, pension, Social Security, and other assets may fit into your retirement income strategy.
Schedule Your Complimentary TSP Retirement ReviewNo obligation. Educational conversation. Designed around your retirement questions.