I've reviewed thousands of federal employee TSP accounts. And the biggest losses usually don't come from market crashes. They come from withdrawal timing, fund allocation at the wrong life stage, and not understanding your three options when you retire.
In this video, we break down the most overlooked Thrift Savings Plan mistakes, including sequence of returns risk, TSP withdrawal rules, and rollover decisions that can significantly impact long-term retirement income.
đź”— LINKS & RESOURCES
TSP CHECKLIST: https://cdfinancial.org/tsp%20free%20guide/
RETIREMENT Checklist Challenge: https://cdfinancial.org/checklist-challenge/
FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
Newsletter: https://cdfinancial.com/newsletter
đź‘‹ WHO ARE WE?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.
⏱ TIMESTAMPS
0:00 Why TSP Decisions Matter in the Final 5 Years Before Retirement
0:47 The Real Risk: Withdrawal Timing & Allocation Mistakes
1:19 Mistake #1 – Keeping the Same TSP Allocation at 55 as at 35
1:51 Understanding Sequence of Returns Risk in Retirement
2:19 A Bucket Strategy Using G, F, C, S & I Funds
2:40 Mistake #2 – How TSP Withdrawals Actually Work (Pro-Rata Rules)
3:37 Mistake #3 – Your 3 TSP Retirement Options Explained
4:31 TSP vs IRA: Tax Planning & Roth Conversion Flexibility
5:10 Real Example: Comparing RMD-Only vs Roth Conversion Strategy
5:33 The Biggest Mistake: Doing Nothing With Your TSP
Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.
