**Before You Move, Roll Over, or Retire… Understand Your TSP Options First**

Helping federal employees better understand rollover options, retirement planning decisions, and long-term protection strategies without pressure or confusion.

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Frequently Asked Questions

What is TSP?

The Thrift Savings Plan (TSP) is a retirement savings and investment plan designed for federal employees and members of the uniformed services. It allows participants to contribute toward retirement while offering investment options intended to support long-term financial planning goals.

Should I keep my TSP or roll it over?

Every situation is different. Factors like retirement goals, fees, income needs, and investment preferences can all affect this decision. Understanding your options before making changes is important.

What happens to my TSP after separation?

In many cases, federal employees can keep their TSP account after leaving service. However, retirement timing, withdrawals, rollover options, and tax considerations may impact what makes the most sense.

How do taxes work during a rollover?

Taxes can depend on how the rollover is handled and the type of account involved. Understanding rollover rules beforehand may help avoid unnecessary penalties or taxable events.

What mistakes should I avoid before retirement?

Common mistakes include making rushed rollover decisions, misunderstanding tax implications, or retiring without fully understanding long-term income strategies and benefit options.

Many people simply want help understanding their options before making important financial decisions.

Zina’s approach focuses on education, clarity, and helping federal employees feel more informed about retirement, rollover, and protection planning conversations.