29. Roth Conversion Blueprint for an $850K TSP (Live Demo)
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29. Roth Conversion Blueprint for an $850K TSP (Live Demo)
If you’re a federal employee or retiree with a sizable Thrift Savings Plan (TSP), this episode is designed to help you understand how TSP taxes actually work in retirement.
The TSP is excellent at helping you save during your working years, but it doesn’t help you decide when and how that money gets taxed once you retire. That’s where many people get surprised.
In this lesson, I’ll walk you through TSP 101, explain where tax challenges tend to show up in retirement, and then take you through a live demo showing how a Roth conversion plan may be structured for an $850,000 TSP using the Roth Blueprint™.
This is an educational walkthrough designed to help you understand the process, considerations, and trade-offs involved in Roth conversion planning — not a one-size-fits-all solution.
Timestamps
00:00 – Intro: Why TSP taxes surprise retirees
01:00 – What the TSP is designed to do (accumulation vs planning)
01:45 – The three retirement phases: accumulation, tax planning, distribution
02:45 – Why large TSP balances create challenges in retirement
03:30 – RMDs, IRMAA, and the survivor tax issue
04:10 – 2026 update: Roth conversions inside the TSP
05:00 – Why Roth conversion planning is often done outside the TSP
05:50 – Why Roth-friendly annuities are used in this example
07:10 – Case study: Sam & Sally Sample (profile overview)
08:40 – Conversion goals and planning considerations
10:50 – Live Roth Blueprint™ software walkthrough begins
12:40 – Paying conversion taxes externally vs internally
15:30 – Comparing outcomes: bonus vs non-bonus annuity strategies
18:30 – Why Roth conversion planning is highly individualized
19:45 – Key educational takeaways
20:30 – How to get your own Roth conversion analysis
21:00 – Final thoughts & disclaimer
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👩🏫 About Dr. Amanda
Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone.
She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence.
⚠️ DISCLAIMER
The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.