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  • 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
  • When You Should Use Traditional vs Roth TSP

    When You Should Use Traditional vs Roth TSP
    2026/04/03
    Most federal employees are told one simple rule:

    “Choose Roth if taxes will be higher later. Choose traditional if they’ll be lower.”

    But real life is not that simple.

    In this episode, we walk through when Roth TSP makes sense and when traditional TSP may actually be the better strategy for federal employees under FERS and CSRS.

    We break down key factors like:

    • Your current vs future tax bracket
    • The Roth five-year rule
    • Early retirement and the Rule of 55
    • State tax strategy
    • Qualified Charitable Distributions (QCDs)
    • When tax diversification may be the smarter approach

    You’ll also learn why many federal employees benefit from blending Roth and traditional contributions rather than choosing just one.

    If you’re within 5–10 years of retirement, this conversation can help you make more confident decisions about your TSP and overall retirement income strategy.

    If you’d like a personalized Federal Benefits Report, including your pension, TSP, FEHB, and survivor benefits mapped out clearly, you can request one using the link below.

    Key Takeaways

    • Roth TSP locks in today’s tax rate, which is not always optimal
    • Traditional TSP provides tax deferral and flexibility later
    • The Roth five-year rule impacts when earnings become tax-free
    • The Rule of 55 allows penalty-free access to traditional TSP earlier
    • State taxes can significantly impact your strategy
    • QCDs favor traditional IRA assets for charitable giving
    • Many federal employees benefit from a blended tax strategy


    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
  • TSP Loans Explained: Rules, Risks, and Retirement Consequences Every Federal Employee Must Know

    TSP Loans Explained: Rules, Risks, and Retirement Consequences Every Federal Employee Must Know
    2026/03/27
    A TSP loan may feel like easy money. After all, it is your money. But for federal employees under FERS or CSRS, borrowing from your Thrift Savings Plan can quietly derail your retirement if you do not understand the rules, risks, and long-term consequences.

    In this episode of Federal Benefits Explained, Andrew McNair breaks down:

    • How TSP loans really work
    • The difference between general purpose and residential loans
    • Loan limits and interest rates
    • The hidden cost of lost compounding
    • Tax penalties if you default
    • What happens if you retire with a loan outstanding
    • When a TSP loan may be appropriate and when it is not

    If you are considering borrowing from your TSP or simply want to understand how it could impact your FERS retirement income, this episode will give you clarity and confidence before you make a decision.

    Retirement is not just about saving well. It is about protecting what you have built.

    If you would like a personalized Federal Retirement Benefits Report, call or text 1-800-848-8768 to schedule a complimentary Discovery visit.

    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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    11 分
  • Warren Buffett’s Advice Every Federal Employee Should Apply to Their TSP

    Warren Buffett’s Advice Every Federal Employee Should Apply to Their TSP
    2026/03/20
    What does Warren Buffett have to do with your TSP?

    More than you think.

    In this episode, Andrew McNair breaks down timeless investing wisdom from Warren Buffett and shows how federal employees can apply it directly to their Thrift Savings Plan.

    If you are a FERS or CSRS employee, this episode will help you:

    • Understand why patience beats panic inside your TSP
    • Learn how diversification really works in the C, S, and I Funds
    • Avoid costly mistakes driven by headlines and elections
    • Keep investment costs low and protect long term growth
    • Think like Buffett when building your federal retirement strategy

    Here is something most federal employees do not realize. If you own the C Fund, you already own Berkshire Hathaway. Warren Buffett is in your portfolio.

    The bigger question is whether you are applying his principles.

    Andrew explains:

    • Why logging into your TSP daily can hurt your decision making
    • How market timing transfers money from the impatient to the patient
    • Why low cost index investing gives you a long term edge
    • What Buffett would likely do if he had a TSP

    Retirement is not just about building your TSP. It is about knowing how to use it wisely when you stop working.

    If you are within 5 to 10 years of retirement, or already retired, this episode is especially important.

    Want a personalized Federal Benefits Report?
    Click the link in the show notes to schedule your complimentary discovery visit.
    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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    12 分
  • The One Fund the TSP Is Missing

    The One Fund the TSP Is Missing
    2026/03/18
    The Thrift Savings Plan offers strong investment options. The C Fund. The S Fund. The I Fund. The F Fund. The G Fund. But what if your TSP is missing an entire asset class? In this episode of Federal Benefits Explained, Andrew McNair breaks down the one fund the TSP does not include — and why that gap could matter for federal employees approaching retirement. You will learn:

    • A clear overview of the 5 core TSP funds
    • How the L Funds are structured
    • Why real estate behaves differently than stocks and bonds
    • The difference between public REITs and private real estate
    • How TSP participants over 59½ or separated from service can explore broader options
    • Risks and restrictions of self-directed IRAs
    • Why diversification is about risk-adjusted return — not chasing performance

    If you are a FERS or CSRS employee preparing for retirement, this episode will help you think more strategically about income, inflation, and long-term diversification.
    Want a personalized Federal Benefits Report?
    Call 1-800-848-8768 or schedule a Discovery Visit today.

    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
  • The TSP Mistake That Costs Federal Employees Thousands

    The TSP Mistake That Costs Federal Employees Thousands
    2026/03/06
    Are you accidentally leaving free money on the table in your Thrift Savings Plan? For federal employees under FERS, your 5 percent TSP match is one of the most valuable retirement benefits you have. But every year, federal employees miss out on thousands of dollars simply because they structure their contributions incorrectly.

    In this episode, Andrew McNair breaks down:

    • How the FERS TSP match really works


    • The biggest mistake federal employees make when maxing out contributions

    • Why maxing out too early can cost you part of your match

    • How to calculate the correct per-pay-period contribution

    • What to do if you're retiring mid-year

    • Dollar amount vs percentage contributions — which is better?

    • The 20 percent household savings rule that changes retirement outcomes


    If you are approaching retirement or already planning your FERS exit, this episode could protect tens of thousands of dollars in lifetime retirement income. Your agency match is not a bonus. It is part of your compensation. And missing it is like skipping a paycheck. If you want a personalized federal benefits report that shows:

    • Your pension estimate

    • Survivor election impact

    • TSP optimization

    • Tax planning strategy

    • Retirement income distribution modeling


    Click the link in the show notes to schedule a Discovery Visit with our team.

    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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    11 分
  • Best Retirement Strategies for Dual Federal Employees

    Best Retirement Strategies for Dual Federal Employees
    2026/02/27
    If you and your spouse are both federal employees, your retirement strategy needs to be coordinated — not duplicated.

    In this episode, Andrew McNair breaks down the three most important strategies dual FERS and CSRS couples must understand before retiring:

    • How to coordinate FEHB between spouses
    • Smart Survivor Benefit (SBP) decisions for dual feds
    • Social Security timing strategies that protect the surviving spouse
    • When to self-insure vs. use SBP
    • How taxes change after the first spouse passes
    • How to bridge income using your TSP

    Many dual fed couples assume they can simply “mirror” each other’s benefits but that mistake can cost thousands in unnecessary taxes, lost income, or survivor shortfalls. If you and your spouse both work for the federal government, this episode will help you protect both pensions, coordinate healthcare, and maximize lifetime income. If you would like a complimentary Federal Benefits Report showing your benefits side by side, schedule your Discovery

    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