Federal Retirement Planning: TSP, FERS, and Social Security

A GS-13 with 25 years of service, a solid TSP balance, and retirement eligibility in 18 months should have a straightforward path forward. In practice, the decisions stack up fast: survivor benefit elections that lock in at retirement, Roth versus traditional TSP contributions that shift with each year’s tax bracket, FEHB enrollment continuity rules that […]

Federal Employee RIF: What to Do If You’re Laid Off

Federal employment has long been considered stable, but thousands of federal workers now face job uncertainty due to a Reduction in Force (RIF). Recent executive orders targeting government downsizing have accelerated these cuts, aiming to reduce spending and streamline operations. Under the direction of President Donald Trump and advisor Elon Musk, agencies have been instructed […]

Thrift Savings Plan (TSP) Ultimate Guide

Are you a federal employee or member of the uniformed services looking to get the most out of your Thrift Savings Plan (TSP)? This updated guide covers everything you need to know in 2025 — including contribution limits, fund choices, investing strategies, new rules, and practical tips to maximize your TSP for a comfortable retirement. […]

What Should I Do With My TSP When I Retire?

If you’re a federal employee nearing retirement, one of the biggest questions you’ll face is: What should I do with my Thrift Savings Plan (TSP)? After decades of contributions, matching, and disciplined saving, this account is likely one of your largest retirement assets. Choosing the right post-retirement strategy can have a meaningful impact on your […]

Roth IRA vs. Roth TSP: Which Should You Fund First in 2026?

If you’re a federal employee or military service member, and you’re a high-earning professional in your 30s or 40s, you’re likely deciding between contributing to a Roth TSP or a Roth IRA. Both accounts offer tax-free growth, but they differ in contribution limits, investment flexibility, and eligibility rules. At District Capital Management, we guide clients […]

TSP Mutual Fund Window: Guide for Federal Employees

If you participate in the Thrift Savings Plan (TSP), you now have the option to invest a portion of your account in thousands of outside mutual funds through the TSP Mutual Fund Window (MFW). This option can open doors to asset classes the core TSP funds don’t cover,  but it also comes with higher fees, […]