Tax Strategies for TSP | FedLegacy | Federal Retirement Advisors | April 15, 2026

How much of your TSP actually belongs to you? Most federal employees look at their balance and assume it’s all theirs — but a portion of that money is already owed to the IRS. In this workshop, we break down how taxes quietly reduce your retirement income — and how one strategy helped improve the outcome without increasing risk. 👉 Book your Retirement Readiness Review: https://fedlegacy.zohobookings.com/#/retirement-readiness?utm_source=youtube&utm_medium=description&utm_campaign=tax_drag_case_study&utm_content=cta_top ---------------------------------------- Most federal employees focus on growing their TSP… But very few look at how that money will actually be taxed in retirement. In this case study, we walk through a real scenario: • ~$278K in TSP • Pension + Social Security in place • Debt-free and “on track” for retirement On paper, everything looked fine. But under the surface, there was one major gap: No tax strategy. Here’s what we cover: • Why your TSP balance isn’t fully yours • How tax liability grows as your account grows • What tax drag looks like over time • How RMDs (Required Minimum Distributions) impact your plan • Why stacking pension + TSP + Social Security creates tax pressure • The difference between tax-deferred vs tax-free income ---------------------------------------- Before: • 100% traditional TSP • All withdrawals taxable • Increasing tax burden over time • Limited flexibility in retirement After: • Introduced tax diversification (Roth strategy) • Shifted income sources over time • Reduced lifetime tax exposure • Increased net retirement outcome Result: Over $200,000 difference in projected after-tax wealth Same person. Same money. Different structure. ---------------------------------------- You can do everything right… And still lose money to taxes if your plan isn’t structured properly. This isn’t about avoiding taxes — It’s about controlling when and ho

Added 16 Apr 2026