For federal employees approaching retirement
Your paycheck stops. Your life doesn't.
You've spent years building your TSP. Now it's time to understand how your TSP, pension, Social Security, and other resources may work together to support you throughout retirement.
No pressure. No obligation. Just greater clarity.
What will replace your biweekly paycheck?
A TSP balance tells you how much you have accumulated. It does not, by itself, tell you how your retirement income sources should work together, when each source should begin, or how your financial decisions today may affect the years ahead.
Your retirement income may come from several different places. The challenge is coordinating those resources into one understandable strategy.
See how the pieces may fit together
The TSP Retirement Income Review is a focused conversation designed to help you better understand your current position, your available choices, and the questions that deserve attention before you retire.
01
Paycheck replacement
Estimate the income your retirement resources may be able to provide and compare it with your anticipated expenses.
02
TSP distribution choices
Review the available ways to access your TSP and how those choices may affect flexibility and long-term planning.
03
Pension and Social Security timing
Consider when different income sources may begin and how they could work alongside one another.
04
Tax considerations
Identify questions concerning the taxation and sequencing of your retirement income to discuss with the appropriate professionals.
05
Market and longevity risk
Consider how changing markets, inflation, and a longer retirement could affect your income strategy.
06
Spousal and legacy considerations
Discuss how retirement decisions may affect a spouse, beneficiaries, and the people you care about.
This is not automatically a conversation about moving your TSP.
Keeping your money in the TSP may be the appropriate decision. Moving some or all of it may also deserve consideration, depending on your circumstances.
The purpose of the review is not to begin with a predetermined answer. It is to help you understand your choices, evaluate the tradeoffs, and make a more informed decision.
A clearer direction in three steps
Step 1
Schedule your review
Choose a convenient time for a complimentary conversation.
Step 2
Review your retirement picture
Discuss your anticipated retirement date, income needs, TSP, pension, Social Security, and other relevant resources.
Step 3
Understand your next steps
Leave with a clearer understanding of the decisions in front of you and the areas that may require additional planning.
This review may be helpful if…
- You plan to retire from federal service within the next five years.
- You are unsure how much monthly income your TSP may provide.
- You want to coordinate your TSP with your pension and Social Security.
- You are concerned about taxes, market volatility, or making your savings last.
- You want to understand your choices before making a withdrawal or rollover decision.
- You recently retired and are reconsidering how your retirement income is organized.
Financial decisions deserve context
Johnathan Adler, CLTCP, works with individuals and families to bring greater clarity and coordination to important financial decisions. His planning approach considers growth, protection, income, and liquidity—not as isolated subjects, but as parts of one financial life.
The TSP Retirement Income Review is designed to help federal employees step back, understand how their retirement resources may work together, and identify the decisions that deserve further attention.
Frequently asked questions
No. It may be especially useful during the final several years of federal employment, while you still have time to evaluate your choices and prepare.
The review does not begin with that assumption. Keeping your money in the TSP may be the appropriate decision. The purpose is to help you understand the choices available and how the TSP fits into your overall retirement picture.
If possible, bring a recent TSP statement, your pension estimate, your Social Security estimate, your anticipated retirement date, and a general estimate of your retirement expenses. Do not submit account numbers, Social Security numbers, passwords, or other sensitive information through the website.
Yes. There is no charge for the initial review and no obligation to implement anything.
No. Johnathan Adler is not employed by, affiliated with, or endorsed by the federal government, the Federal Retirement Thrift Investment Board, or the Thrift Savings Plan.
You know when your paycheck stops. Let's build clarity around what comes next.
Schedule your complimentary TSP Retirement Income Review and take the first step toward a more coordinated retirement income strategy.
Schedule Your Complimentary ReviewNo pressure. No obligation. Just greater clarity.
Request your TSP Retirement Income Review