Whether you’re transitioning from military service or changing civilian careers, your retirement accounts have multiple options. We help you navigate the complexities and choose the strategy that best fits your goals.
Why Consider a Rollover?
- Consolidate multiple retirement accounts
- Access broader investment options
- Potentially lower fees and expenses
- More flexible withdrawal options
- Estate planning advantages
- Customized investment strategies
- Professional portfolio management
TSP Rollover Considerations
The Thrift Savings Plan is an excellent retirement vehicle, but it may not be the best option for everyone after service:
Pros of Keeping TSP
- Very low administrative fees
- Simple investment options (5 funds + L Funds)
- Continued government oversight
- Loan availability (if still employed)
Pros of Rolling Over
- Unlimited investment choices
- Access to professional financial advisors
- More flexible distribution options
- Roth conversion strategies
- Integration with overall financial plan
Rollover Options Explained
1. Direct Rollover to IRA
Move funds directly to a Traditional or Roth IRA without tax consequences.
2. 401k to 401k Rollover
Transfer funds to your new employer’s plan.
3. Roth Conversion
Convert traditional retirement funds to Roth for tax-free growth.
4. Leave It In Place
Sometimes the best option is to leave your TSP/401k where it is.
Our Rollover Process
- Comprehensive Review: Analyze your current accounts and retirement goals
- Strategy Session: Discuss pros/cons of each option
- Recommendation: Provide personalized guidance based on your situation
- Implementation: Handle all paperwork and coordination
- Ongoing Support: Regular reviews and adjustments