TSP Planning Report – November 2017

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Do I need to apply your portfolio model to BOTH my current TSP balance AND future contributions?

The model should be applied to BOTH.  This is easy.  The whole reallocation process should not take you more than 5 minutes per month.  I will even be sending you a “heads up” email at the beginning of each month reminding you to set aside 5 minutes of your time to make your TSP changes when…

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What series of events would make and annuity a good option?

In order to figure out if you need an annuity, you need to figure out the rate of distribution from your TSP. Whatever your balance is – whether $100k, $500k, $999k – you will need to figure out your rate of distribution. For example: If you need $10k a year of income, that $10k represents…

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I am concerned about tax for my TSP beneficiaries. Can they make partial withdrawals?

If you were to pass your TSP would go to your named beneficiary.  If your children are your beneficiary, they can roll the TSP into an inherited IRA. See here: https://www.tsp.gov/PDF/formspubs/tspbk31.pdf Only a spouse can keep the funds in the TSP.  A non-spouse cannot keep the funds in the TSP.  The funds will be disbursed to…

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TSP Planning Report – October 2017

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