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Roth vs Traditional TSP: The Conversion Decision Most Federal Employees Delay
Most federal employees know Roth and Traditional TSP are different. Far fewer know when converting between them actually helps versus when it just moves the tax bill and adds a new problem.
In this episode, William Smith breaks down:
The real difference between how Traditional and Roth TSP are taxed, and why most people's TSP balance isn't fully theirs
The TSP Roth conversion window: the years between retirement and your Required Minimum Distribution age (73 or 75, depending on birth year)
Why converting while still working can push you into a higher tax bracket than expected
The separate…
The skinny
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