Rayna Retirement
Should You Roll Over Your TSP? It Depends on What You Need
Should you leave your retirement savings in the TSP—or roll some of it into an IRA or another retirement vehicle? The answer isn't the same for everyone. In this episode of Rayna Retirement , Rayna Reyes breaks down the TSP rollover decision in plain English. She looks at some of the TSP's biggest strengths, including low costs, market exposure and liquidity, while also discussing potential limitations involving income planning, risk, required distributions and what happens to your money after you're gone. Rayna also explains what a rollover actually is, why moving qualified money directly from one retirement account to another generally isn't the same as taking a taxable withdrawal, and why you don't necessarily have to choose between keeping everything in the TSP or moving everything out. The goal isn't to find the one "best" account. It's to determine what you need your retirement savings to accomplish—and then build a strategy around those goals. -- Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857 Visit: AmericanFederal.org -- YouTube: https://www.youtube.com/@RaynaRetirement Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning. Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.
