TSP & FEDERAL RETIREMENT PLANNING
Your TSP Is Only
One Part of Your
Retirement.
Thoughtful guidance to coordinate your TSP, FERS, Social Security, taxes, insurance and income-so you can retire with clarity and confidence.
This website is independently operated by Johnathan Adler, Financial Representative. It is not affiliated with, endorsed by, or sponsored by the United States government, the Federal Retirement Thrift Investment Board (FRTIB), or the Thrift Savings Plan (TSP).
Who this is for.
Within five years of retirement
Get clear on options, timing, and tradeoffs before you decide.
Recently retired
Align your benefits, investments, and tax strategy with your retirement goals.
Helping a spouse make decisions
Gain confidence and clarity for important family decisions.
Proudly serving federal employees across California, including Naval Base Ventura County, Point Mugu, Port Hueneme, and surrounding communities.
Retirement changes the question.
While you're working, the goal is to accumulate benefits. In retirement, the goal is to turn those benefits into coordinated, sustainable income for the life you want.
Smart decisions come from seeing how every part of your retirement fits together-before you choose a path.
The decision is not simply what to do with your TSP. It is how every part of retirement will work together.
01
When can I
realistically retire?
04
What are the tax consequences?
Questions worth answering before you retire.
02
How should my TSP work with FERS and Social Security?
05
Should I leave my money in the TSP?
03
How much monthly income will I need?
06
How will my family be protected?
Your TSP gives you choices. Each comes with tradeoffs.
Remain in the TSP
Keep your savings in the plan and continue to follow a disciplined investment approach.
Take distributions
Access your money through lump sums or structured withdrawals.
Consider the TSP annuity
Convert part of your account to a lifetime monthly income annuity.
Evaluate a rollover
Move your balance to an IRA to access broader investment and planning options.
There is no one-size-fits-all answer. The right choice depends on your whole plan.
Clarity before complexity.
A straightforward process built around what matters most to you.
Discover
Understand your situation, goals, and what's important.
Prioritize
Identify what matters most and what to address first.
Protect
Strengthen your plan with insurance and income strategies.
Grow
Invest with purpose and tax-smart considerations.
Adapt
Review and adjust as your life and markets change.
Before you make an irreversible retirement decision, make sure you can see the whole picture.
This website is independently operated by Johnathan Adler, Financial Representative. It is not affiliated with, endorsed by, or sponsored by the United States government, the Federal Retirement Thrift Investment Board (FRTIB), or the Thrift Savings Plan (TSP).