Your TSP at Retirement:
Leave It, Roll It, or Split It?

Discover your four choices, and how to turn your TSP into a paycheck that lasts, before you make a decision you can't undo.

A free 60-minute live workshop for federal employees and retirees 55+ who want to protect what they've built, avoid costly mistakes, and keep more of their TSP for themselves and their family.

Thursday, November 12th, 2026 @ 3:00 PM EDT

Garrett Dickhudt

TSP Webinar LLC

Spots are limited.

🎁 Attend live and receive a complimentary TSP Income Review: a one-on-one look at your pension, Social Security and TSP, and whether to leave it, roll it, or split it.

Let's be honest for a second.

You spent 20, 30, maybe 40 years serving your country and building your TSP.

You were told: contribute, get the match, and let it grow.

And for a long time, that was the right move.

But here's what nobody warned you about:

Building your TSP was the easy part. Deciding what to do with it is the hard part.

When most federal employees retire, the TSP decision gets made in a rush. Sometimes over a weekend. Sometimes based on what a coworker did.

And some of those choices can't be undone.

Meanwhile, a market drop that was just an inconvenience while you were working can permanently shrink the income you have left once withdrawals begin. And every dollar in your traditional TSP is still owed to the IRS, by you or by your kids.

Yet most feds walk into retirement without a plan for any of it.

"I didn't know I had other options." That's the most common thing we hear. And it's not your fault.

You have more choices than you think.

When you retire, you have four choices for your TSP:

Leave it. Very low cost and simple, but your income still rides the market.
Roll it. More options and planning flexibility, but costs and product fit matter.
Split it. Keep part in the TSP for low cost, and move part somewhere that adds a protected income floor.
Take withdrawals. A lump sum, installments, or the TSP annuity, each with tax and permanence tradeoffs.

Every option has a tradeoff. That's why there's no one-size-fits-all answer.

And if you're 59½ or older, you don't have to wait until retirement to act. The TSP allows age-based withdrawals while you're still working.

In this free workshop, you'll discover:

✓Your four TSP choices at retirement, and the honest tradeoffs of each
✓When staying in the TSP is the right answer (sometimes it is)
✓Why the first five years of retirement matter most, and how to protect part of your savings from a badly timed market drop
✓How to move money at 59½ while you're still working, without the mandatory 20% withholding
✓How your FERS pension, Social Security and TSP fit together into one retirement paycheck
✓How to find the "income gap" your TSP has to fill, possibly for 30 years
✓The "TSP tax bomb" most federal families don't know about, and how Roth conversions can help defuse it

No sales pitch. No pressure. No confusing jargon. Just honest education, so you can make an informed decision.

This workshop is for you if…

You're a federal employee within five years of retirement, already retired, or over 59½
Most of your TSP is in the C, S or I Funds
You don't know how much monthly income your TSP can safely provide
A market drop would change when you can retire
You haven't coordinated your TSP with your pension, Social Security and taxes
You want to leave your family your savings, not a tax bill

If your TSP plan is already mapped out and coordinated with your pension and taxes, this probably isn't for you.

But if you've ever wondered whether you're making the right call with the biggest account you own? Keep reading.

Why hasn't anyone walked you through this?

It's a fair question, and the answer is simpler than you might think.

The TSP gives you the account, not a plan. Your agency's HR office can explain the forms, but it can't tell you which option fits your life.

And many advisors focus on one product or one strategy. A TSP decision has to account for your FERS pension, your Social Security timing, your taxes, and how you feel about risk, all at once.

What we'll show you in this workshop is a clear, step-by-step framework for weighing your options, including when the best move is to leave your TSP right where it is.

Leave it, roll it, or split it: how they compare.

	Leave It in the TSP	Roll It to an IRA	Split It
Cost	Very low	Varies by what you choose	Low on the TSP portion
Investment options	TSP funds only	Wide range	Both
Protection from a market drop	G Fund only	Options available, with tradeoffs	Protected income floor on part
Planning flexibility	Limited	High	High
Tends to fit	Pension covers most bills	Wants more choices and control	Wants low cost and a guaranteed floor

One hour. No cost. No obligation.

You spent a career building your TSP. The decision about what to do with it shouldn't get made over a weekend. On Thursday, November 12th, 2026 @ 3:00 PM EDT, let us show you your options and how to choose with confidence.