Fed Options

For federal employees, leaving service earlier than expected means big retirement decisions on tight timelines. And for advisors, it means stepping in with clear guidance when clients need it most.

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The TSP is often a federal family’s largest liquid asset, yet it and other benefits can still get stuck in probate. This means transfer to beneficiaries is not automatic and can be a long, drawn-out process. Without a beneficiary on file, survivors face delays they shouldn’t have to deal with. Download the checklists below for what to do to prepare and help employees avoid the probate process as much as possible!

If you do one thing this week: have clients check their TSP beneficiary and complete the other 3 beneficiary forms as well.

Want more practical guidance for your federal clients? Subscribe to the newsletter! Next week, we’re covering college planning.

Checklists for Federal Families | Subscribe to the Fed Options Newsletter Download checklist for survivor benefits, for federal employees and retirees as well as for families of recently deceased loved one who served the federal government.

Beginning in 2026, Roth TSP accounts will be REQUIRED for some federal employees, and there will be an option to convert some traditional TSP to ROTH, but there are tax consequences…..

This means:

High earners (those with an income exceeding the $150,000 limit for 2025) will be required to have a Roth side of their TSP above a certain contribution limit. Do you know what the limits are?

Roth conversions will come with a tax bill. The question for employees will be how much higher will their tax bill be if they choose to convert some money?

Do you want to know more about the TSP limits? How about being prepared to have the Roth conversion conversation?

The big deal here is taxes!

Sign up for our newsletter for the full details and learn how you can help federal employees now to be prepared for ALL the changes happening in 2026 to their TSP benefits.

Fed Options Newsletter for Federal Retirement Experts | Fed Options