Episode Details

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Why One Federal Employee’s Roth Strategy Created an $80K Difference

Federal employee Roth strategy can make a major difference in how your retirement income is taxed. In this case study, we compare Roth TSP vs Traditional TSP decisions and show why Susan’s projected outcome gained $80K over Linda’s.

If you are a federal employee trying to decide between Roth TSP contributions, Traditional TSP contributions, or whether a Roth in-plan conversion may fit into your retirement strategy, this video walks through the planning factors that can affect your taxes, withdrawals, and long-term retirement flexibility.

Whether you are trying to reduce future tax pressure, create more flexible retirement income, or avoid common mistakes around TSP withdrawal planning, this episode shows why the same retirement account can produce very different outcomes depending on the strategy behind it.
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FEDERAL RETIREMENT RESOURCES

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TSP Traditional and Roth Contributions:
https://www.tsp.gov/making-contributions/traditional-and-roth-contributions/

TSP Roth In-Plan Conversions:
https://www.tsp.gov/investing-strategies/roth-in-plan-conversions/

OPM Retirement Center:
https://www.opm.gov/retirement-center/

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TIMESTAMPS

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0:00 Federal Employee Roth Strategy Case Study
1:12 Why Susan and Linda Had Different Retirement Outcomes
3:05 Roth TSP vs Traditional TSP Explained
5:18 The Tax Timing Mistake Many Federal Employees Miss
7:42 How Roth Strategy Can Impact Retirement Income
10:16 Roth In-Plan Conversions and Federal Employees
12:35 What Federal Employees Should Review Before Retirement
14:20 Next Steps for Your Federal Retirement Plan

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WHO WE ARE

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CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.

Our mission is simple:

Help federal employees retire with more clarity, confidence, and peace of mind.

Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.

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IMPORTANT DISCLAIMER

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Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.

This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, tax situation, and personal circumstances. Always consult qualified professionals and review official OPM and TSP guidance before making retirement elections.

Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials d