Editor's note: An earlier version of this article incorrectly said Roth TSP distribution may not be subject to income tax and a 10% penalty under certain circumstances. Tax-free Roth Thrift Savings ...

Mike Zaino, of The Zaino Group, is a Registered Financial Consultant and National Retirement Counselor serving federal and postal employees. Federal employees have access to a valuable retirement ...

The Thrift Savings Plan has implemented major changes to its withdrawal rules, allowing unlimited partial withdrawals, more installment options, and greater control over traditional and Roth balances.

As 2026 progresses, federal employees face a critical window to optimize their Thrift Savings Plan (TSP) allocations amid rising contribution limits and evolving tax strategies. With the standard ...