TSP Rollovers and why

You saved money your entire career and it is time to enjoy the fruits of your labor.

 

THRIFT SAVINGS PLAN – YOU  SHOULD BE REALLY GLAD YOU SAVED ALL THESE YEARS!!

THIS WAS ABSOLUTELY THE RIGHT DECISION!!  YOUR DILIGENCE AND SACRIFICES ALL THESE YEARS

IS GOING TO GIVE YOU OPTIONS THAT MANY WILL NOT HAVE.  GOOD JOB!!

Accumulation Phase completed now it is time for the Distribution Phase. Now let’s look at the primary concerns:

  • Will I have enough money!!!
  • What are the best ways to take it out?
  • How do I protect and guarantee my income for life?
  • What do they mean by annuitizing my money and why does Gary call this option “an-new-a-side!!!”
  • Understanding annuities that I can get, instead of leaving my money in the TSP.
  • Which annuity is the right one? I know they are not all the same.
  • What about my pension or social security check if I do a rollover?

 

Solutions for retirees to consider:

 

TSP Options for withdrawal or distribution!

LEAVE Your Money in the TSP

Safety of G-Fund, But No Return.

Chance of High Returns, But Risk of Loss.
ANNUITIZE Convert Your Balance into Monthly Payments.

Cash is Gone… Check for Life Cannot Change.

Your Money No Longer Grows.

Your Kids Heirs Receive NOTHING

TWO DIFFERENT OPTIONS:

CASH OUTWithdraw the Entire Balance at Once.

Can Have Harmful Tax Implications
ROLLOVER to a Private Plan. (At age 59.5 or Retirement)

No tax implications unless you withdraw funds

Competitive Options for Those Who Qualify.

Options can be Difficult to Search or Shop for.

Can Achieve Safety and Growth Simultaneously

 

SO WHAT PRIVATE PLAN WORKS FOR POSTAL AND FEDERAL EMPLOYEES

Always our main focus and primary goal is finding the right product that fits your needs forever.

NO Tax Implications:

TSP Money is pre-taxed, therefore a pre-tax product is necessary to Avoid Tax Consequences.

Upside Potential of Market Gains:

Safety is easy to find, however most safe options DO NOT offer Competitive Gains.Don’t “Lock your Loss” and miss out on Gains to come from the Low Market.

NO RISK of Loss/Ratcheted Gains

Most options that offer Competitive Gains are associated with High Risk.

NO Management Fees:

2008 proved that Management Fees are a waste.Nobody should be paid to lose your money.

Money stays in the Family FOREVER:

Contingent Beneficiaries are a MUST.An individual’s Life Savings should Stay in the Family.

 

THERE’S ONLY ONE WAY TO MEET ALL OF THESE OBJECTIVES…

FIXED INDEX ANNUITY (FIA)

 

What We Found (FIA)

FIXED: You Cannot Lose Money

INDEX: Linked to the S&P 500 for Upside Potential

ANNUITY: Regulated by the Insurance Industry Standards. (Compare Insurance Companies Track Record to Securities)

FIA sales grew 46% to over 100 Billion Dollars in 2008. This confirmed our decision to use FIA’s.

There are hundreds of companies offering FIA’s.

 



 

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