Starting January 1, 2026, Federal employees and retirees will be able to convert money from their traditional Thrift Savings Plan accounts to a Roth TSP account. Federal employees can make their ...

The Thrift Savings Plan (TSP) has long served as a cornerstone of retirement savings for federal employees and members of the uniformed services. As retirement planning becomes more complex, TSP ...

Using the Roth Conversion Ladder can minimize the amount of taxes you pay in retirement and give you more financial ...

Beginning Jan. 28, the Thrift Savings Plan now allows participants to convert traditional (pre-tax) balances into Roth (after-tax) balances inside the TSP itself. This long-awaited change gives ...

Starting in 2026, the Thrift Savings Plan (TSP) will give every federal employee a new power move. For the first time, you’ll be able to convert your traditional (pre-tax) TSP balance into Roth (after ...

・A Roth conversion ladder lets early retirees access traditional retirement funds before age 59½ without the 10% early withdrawal penalty, but each conversion requires a separate 5-year waiting period ...

Roth conversion ladders create tax-free retirement savings but take a few years to implement. Here's how to start. Many, or all, of the products featured on this page are from our advertising partners ...

While the traditional retirement age of 65 is a social construct born from the 1935 Social Security Act, the IRS age of 59.5 is a cold, legal reality. As such, the primary challenge facing today’s ...

If you’ve spent years maxing out a 401(k) or traditional IRA, most of your wealth may be sitting behind a wall you cannot touch without a penalty until age 59½. There is a strategy to work around that ...