Do I Make Too Much for Roth TSP? (What Federal Employees Need to Know)
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Do I Make Too Much for Roth TSP? (What Federal Employees Need to Know)
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Summary
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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