Should You Withdraw Traditional or Roth TSP First? (Federal Retirement Strategy)

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Should You Withdraw Traditional or Roth TSP First? (Federal Retirement Strategy)

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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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