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Federal Employees Retirement & Benefits Podcast by CD FinancialAuthor: Charles Dzama
The objective of this podcast is to educate and enlighten you about your federal benefits and to guide you in creating a well-formed retirement income plan. Schedule your complimentary 15-minute phone call today! https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call Language: en-us Genres: Alternative Health, Business, Health & Fitness, Investing Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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TSP Rollover Mistakes That Cost Federal Employees Thousands
Episode 101
Thursday, 7 May, 2026
Most federal employees are told to roll over their TSP when they retire, but that decision should start with a better question: What is this money supposed to do for you in retirement? In this episode, we break down common TSP rollover mistakes, IRA rollover considerations, tax treatment, withdrawal rules, and how a written retirement income plan can help federal employees make more informed decisions.Apply for Your Retirement Review: https://www.cdfinancial.org/fa93xi62eGet the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Checklist Challenge: https://cdfinancial.org/checklist-challenge/Newsletter: https://cdfinancial.com/newsletter👋 WHO ARE WE?CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.⏱ TIMESTAMPS0:00 TSP Rollover or Leave It?0:41 The Question Most Federal Employees Skip1:17 Why People Automatically Roll Over Their TSP2:20 Common Reasons Retirees Move TSP Funds3:07 TSP vs IRA vs Roth IRA Explained5:09 How Rollovers Can Simplify Retirement Accounts6:05 Where TSP Rollover Mistakes Begin7:22 What “FBO” Means in a Retirement Rollover8:24 Early Withdrawal Penalties and Tax Risks9:41 The Importance of a Written Retirement Plan11:00 Creating a Retirement Income and Tax Strategy15:16 Final Thoughts and Retirement RoadmapAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show
