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  • Can Federal Employees Really Never Lose Money in the TSP

    Can Federal Employees Really Never Lose Money in the TSP
    2026/05/29
    Many federal employees believe the safest move during market uncertainty is moving everything into the TSP G Fund.

    But is that really the best strategy?

    In this episode, Andrew McNair explains why avoiding market losses isn't always the same as protecting your retirement. You'll learn the hidden risk of the G Fund, how inflation impacts purchasing power, why emotional investing can derail your retirement plans, and how to determine the right amount of risk based on when you'll need the money—not simply your age.
    Whether you're years away from retirement or preparing to leave federal service soon, this conversation can help you make more informed decisions about your TSP and overall retirement income strategy.

    In This Episode:
    • Why the G Fund may not be as "safe" as it seems
    • The hidden danger of inflation
    • Why Warren Buffett's investing philosophy applies to TSP investors
    • The roller coaster analogy every federal employee should understand
    • How to determine your appropriate level of risk
    • Why retirement planning isn't based solely on age
    • Creating a retirement income cushion before retirement
    • Common mistakes federal employees make during market downturns



    If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
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    12 分
  • Should You Withdraw Traditional or Roth TSP First? (Federal Retirement Strategy)

    Should You Withdraw Traditional or Roth TSP First? (Federal Retirement Strategy)
    2026/05/22
    If you’re a federal employee preparing for retirement, one of the most important decisions you’ll make is:

    Should you withdraw from your Traditional TSP or Roth TSP first?

    The answer isn’t as simple as “tax-free is better.”

    In this episode, Andrew McNair breaks down the optimal TSP withdrawal strategy—what we call your asset spend-down order—and why getting this wrong could cost you thousands in unnecessary taxes over time.

    You’ll learn:

    • Why Roth TSP is often best used last
    • How the widow’s penalty can impact your taxes
    • The role of RMDs (Required Minimum Distributions)
    • When it actually makes sense to withdraw from Roth first
    • How to strategically manage your tax bracket in retirement
    • A powerful charitable giving strategy most federal employees miss

    Whether you're under FERS or CSRS, this episode will help you build a more tax-efficient retirement income plan—and give you confidence in your decisions.

    If you want a free personalized Federal Retirement & TSP Withdrawal Strategy, you can schedule a no-cost visit here: https://calendly.com/swancapital_/nocostconsultation

    Or subscribe to stay up to date on weekly strategies designed specifically for federal employees.

    If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
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    13 分
  • Should You Really Use the Roth TSP? Pros, Cons & Tax Traps for Federal Employees

    Should You Really Use the Roth TSP? Pros, Cons & Tax Traps for Federal Employees
    2026/05/15
    Most federal employees are told one thing: “Just use the Roth TSP.”

    But what if that advice could actually cost you?

    In this episode, Andrew McNair breaks down the real pros, cons, and hidden tax traps of the Roth TSP so you can make smarter decisions with your TSP and FERS retirement strategy.

    You’ll learn:
    • The true difference between Roth and Traditional TSP
    • Why Roth isn’t always the best choice
    • The confusing 5-year rule (and how it impacts you)
    • How the Rule of 55 affects your access to funds
    • When traditional TSP may actually win
    • How state taxes, charitable giving, and income levels change the equation
    • Why tax diversification could be your smartest move
    The truth is—this decision isn’t about “Roth vs Traditional.”
    It’s about building a strategy that fits YOUR retirement. Want a personalized federal benefits report? https://calendly.com/swancapital_/nocostconsultation

    If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
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    19 分
  • Is Working After Federal Retirement Worth It? (FERS, SRS & Tax Impacts Explained)

    Is Working After Federal Retirement Worth It? (FERS, SRS & Tax Impacts Explained)
    2026/05/08
    Is working after federal retirement actually worth it… or could it cost you more than you think?

    Many federal employees consider part-time work after retiring—but few understand how it impacts their FERS pension, Special Retirement Supplement (SRS), Social Security, taxes, and even Medicare premiums.

    In this episode, Andrew McNair breaks down the real pros and cons so you can make a confident, informed decision.

    You’ll learn:
    • When working in retirement can help your financial plan
    • How it may reduce your SRS benefits
    • The truth about Social Security earnings limits
    • Why working could increase your taxes and Medicare premiums
    • How it can impact Roth conversion opportunities
    If you’re a federal employee nearing retirement—or already retired—this episode will help you avoid costly mistakes and make smarter decisions with your income.

    Need a Second Opinion?

    If you're wondering whether working in retirement makes sense for your situation, request your complimentary Federal Retirement Review: https://calendly.com/swancapital_/nocostconsultation

    If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
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    15 分
  • How to Invest Your TSP with a FERS Pension (Avoid These Costly Mistakes)

    How to Invest Your TSP with a FERS Pension (Avoid These Costly Mistakes)
    2026/05/01
    If you're a federal employee, your FERS pension and Social Security change everything about how you should invest your TSP.

    Yet most retirement advice treats you like an average investor…

    And that’s where costly mistakes happen.

    In this episode, Andrew McNair breaks down how to think about your TSP as part of a complete retirement income plan—not in isolation. You’ll learn:
    • Why your pension acts like a built-in “bond”
    • The biggest mistake federal employees make with TSP
    • Why the traditional 60/40 portfolio may not fit your situation
    • How to balance growth with peace of mind
    • The hidden risks (like sequence of returns) that can impact your retirement
    This conversation is designed to give you clarity, confidence, and a smarter strategy so you can retire knowing your plan is built to last. If you're a federal employee and want help building a personalized retirement income plan, we’ll walk you through:
    • Your TSP strategy
    • Pension & Social Security integration
    • Tax-efficient withdrawal plan
    • Long-term income projections
    Schedule your complimentary visit here: https://calendly.com/swancapital_/nocostconsultation

    If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
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    26 分
  • Do I Make Too Much for Roth TSP? (What Federal Employees Need to Know)

    Do I Make Too Much for Roth TSP? (What Federal Employees Need to Know)
    2026/04/24
    Many federal employees believe that once their income reaches a certain level…
    they’re no longer eligible to contribute to a Roth account.
    But when it comes to Roth TSP—that’s not true.

    In this episode, Andrew McNair breaks down one of the most common (and costly) misunderstandings we see:

    👉 There is NO income limit for Roth TSP contributions.
    👉 But there are income limits for Roth IRAs.
    We walk through a real-world example of a federal employee who unintentionally made the wrong decision simply because of confusion between these two rules.

    Inside this episode, you’ll learn:

    • The key difference between Roth TSP and Roth IRA income limits
    • Why high-income federal employees can still use Roth TSP
    • How this mistake can impact your long-term tax strategy
    • When a backdoor Roth IRA may make sense
    • How to prioritize Roth TSP vs Roth IRA contributions
    If you're planning for FERS retirement and want more control over your future tax bill, this is a strategy you need to understand.

    Bottom line:

    Roth TSP is one of the most powerful—and misunderstood—tools available to federal employees.
    If you’d like help building a personalized federal retirement strategy,
    you can request your free Federal Benefits Review below.
    https://calendly.com/swancapital_/nocostconsultation

    If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
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    18 分
  • Before You Move Your TSP to the G Fund

    Before You Move Your TSP to the G Fund
    2026/04/17
    If you’re approaching retirement and considering moving your TSP into the G Fund… you’re not alone.

    For many federal employees, the G Fund feels like the “safe” choice. But what if that decision could quietly cost you more than you realize?

    In this episode, Andrew McNair breaks down when the G Fund makes sense and when it could put your retirement at risk. From understanding market volatility to building a reliable income strategy, this conversation will help you make smarter, more confident decisions with your TSP.

    You’ll learn why reacting to market swings can do more harm than good, how to think about your retirement income in “pillars,” and what most federal employees misunderstand about the G Fund.

    If you’re within 5 years of retirement, this is a must-listen.

    What You’ll Learn

    • Why the G Fund is not truly “safe” long-term
    • How inflation silently impacts your retirement income
    • The danger of making emotional, fear-based decisions
    • How to build a retirement income bridge
    • Why market drops are normal—and even necessary
    • The hidden limitation of TSP withdrawals most people miss

    If you want clarity on how your TSP, pension, and other benefits work together, we offer a complimentary second opinion for federal employees. Schedule your visit with one of our advisors today: https://calendly.com/swancapital_/nocostconsultation

    If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
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    18 分
  • Is 100% C Fund a Mistake? TSP Strategy for Federal Retirement

    Is 100% C Fund a Mistake? TSP Strategy for Federal Retirement
    2026/04/10
    Most federal employees believe the C Fund is the best place to be. And for years… it’s been hard to argue with that. But here’s the problem:
    What works during your working years doesn’t always work in retirement. In this episode, we break down:
    • What the C Fund actually is (and what it’s missing)
    • Why recent performance can create dangerous assumptions
    • The real risk of going “all in” as you approach retirement
    • How volatility impacts your income—not just your returns
    • A more balanced TSP strategy for federal employees
    If you’re within 10–15 years of retirement—or already retired—this conversation could help you avoid one of the most common and costly mistakes we see. Who This Is For:
    • Federal employees (FERS / CSRS)
    • Ages 45–70
    • Nearing retirement or recently retired
    • TSP-focused investors
    Next Step:
    • If you want help aligning your TSP with your pension, Social Security, and income needs, request your free Personalized Federal Benefits Report today: https://calendly.com/swancapital_/nocostconsultation


    If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation

    To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
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    20 分