Mission Point Planning and Retirement

Federal Law Enforcement friends — heads-up 👮‍♂️

There’s a small rule change coming that could make a big difference if you’re over 50 and planning to retire from service in the next few years.

Starting in 2026, if you make about $150K+, any extra TSP “catch-up” contributions (the extra savings you’re allowed after age 50) will have to be Roth — meaning no tax deduction today, but tax-free income later.

It’s NOT something to stress about — but it is something worth planning around, instead of being surprised by it.

🔗 Full breakdown here:
👉 https://missionpointplan.com/federal-leo-tsp-roth-catch-up-rule/

If you’re wondering:
✔ Should I be using Traditional or Roth in these final working years?
✔ Will this affect my take-home pay?
✔ How will this interact with my pension, TSP, and Social Security?

That’s exactly what we help Federal Law Enforcement Officers figure out — a clear path to retirement without guesswork.

Maybe all that glitters IS 'Gold' YTD returns show three asset classes surprisingly leading the way, GOLD, international stocks and emerging markets.

Two of the three don't exist in the unless you use the brokerage window. Yet another case for why the , for was pioneering as it used to be, doesn't provide the needed diversification for today's retiree

🚨 Federal employees just made a $33 BILLION mistake.

In just 3 months, they bailed out of stock funds and hid in the “safe” G Fund… right as the market was about to rebound.

That move felt safe in the moment — but it quietly destroyed their millionaire potential.

👉 Don’t fall for the G Fund Trap. Here’s how to avoid it:

The G Fund Trap: Why Federal Employees Struggle to Become TSP Millionaires - Mission Point Planning & Retirement What is the TSP G Fund, and is it safe for retirement? Discover the risks of overusing the G Fund, why it traps federal employees, and how to diversify smarter

🚨 Retired LEO? Planning a Big Purchase? Don’t Let the IRS Take the First Cut.

Think funding that dream cabin, family gift, or roof replacement is as simple as pulling from your TSP or IRA? Think again. 💸

One retired FBI agent saved thousands in taxes—just by changing the order of withdrawals.

👉 See how smart coordination across TSP, IRA, and brokerage accounts can protect your wallet and your retirement plan:
🔗

The $60,000 Question: How Fed Retirees can Fund Big Expenses Without Wrecking Your Tax Plan - Mission Point Planning & Retirement Big expenses like home renovations can trigger hidden taxes in retirement. Learn how one federal retiree used smart tax planning to avoid higher Medicare premiums and tax brackets.

Markets don’t like surprises — but history shows they recover.

The recent market pullback tied to new tariff announcements has many investors feeling uneasy. Headlines are loud, emotions are high, and short-term reactions can be tempting.

But take a look at this long-term chart of the S&P 500's total return from 1970 to 2024 (⬇️). Through decades of economic shocks, geopolitical conflicts, interest rate hikes, oil crises, tech bubbles, and yes — previous tariff wars — the market has demonstrated one consistent trait:

📈 Resilience.

Despite countless reasons to exit along the way, a $10,000 investment in 1970 grew to nearly $3 million by the end of 2024.

Each downturn had its own “new reason to panic.” But long-term investors who stayed disciplined and diversified were rewarded.

The lesson? We've been here before. And every time, long-term thinking outperformed short-term fear.

📬 The recent market moves have you second-guessing your investments? now’s the perfect time to get a second opinion.

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