In this episode, Ed and Dan explain the newest Thrift Savings Plan (TSP) option: Roth TSP in-plan conversions, starting January 28, 2026. Federal employees, retirees, and spouse beneficiaries can now convert portions of their traditional TSP accounts into Roth TSP accounts. This episode breaks down eligibility, tax considerations, and the two separate five-year rules that govern Roth TSP withdrawals, helping listeners understand when conversions are advantageous and how to avoid unexpected taxes or penalties.
Join us as Dan and Ed break down the new Roth TSP in-plan conversion option and highlight key financial and tax considerations for federal employees and retirees.
In this episode, you’ll learn:
Source Article: https://stwserve.com/some-important-questions-for-traditional-tsp-participants-to-consider-before-performing-roth-tsp-in-plan-conversions/
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The FedLife Podcast is your in-depth, biweekly deep dive into the world of federal benefits and retirement planning. Hosted by federal benefits expert Ed Zurndorfer and Dan Sipe of Serving Those Who Serve, each 30-minute episode unpacks the complexities of FERS and CSRS retirement, FEHB and Medicare, survivor benefits, tax planning, and more. Designed for federal employees and retirees who want more than just the basics, FedLife goes beyond the headlines to explore the rules, nuances, and strategies that can make a meaningful difference in your retirement. Remember: it’s your Fed life, make it a great one.
The Fed15 Podcast is your weekly 15(ish)-minute briefing on federal benefits and financial planning, built specifically for federal employees and retirees. Hosted by Dan Sipe and Katelyn Murray of Serving Those Who Serve, each episode delivers clear, actionable guidance on topics like FERS and CSRS retirement, TSP strategies, FEHB, survivor benefits, tax planning, and more! Whether you’re five years from retirement or already there, The Fed15 helps you cut through the noise, avoid costly mistakes, and make confident decisions about your federal benefits.
