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Secure Your Federal Retirement: TSP to IRA Solutions
Facing a federal layoff or RIF? Don't leave your retirement security to chance. FedLayoffHelp.com specializes in helping federal employees safely transfer TSP funds to IRAs with Hybrid Index Annuities—providing growth potential with zero market risk.
Why Consider Transferring Your TSP to an IRA?
1
Greater Investment Flexibility
TSP offers limited fund choices while IRAs provide access to thousands of investment options tailored to your specific retirement goals.
2
Enhanced Withdrawal Options
IRAs offer more flexible distribution schedules without the rigid withdrawal restrictions of the TSP system.
3
Professional Management
Work with advisors specializing in federal retirement to optimize your portfolio based on your timeline and risk tolerance.
4
Estate Planning Advantages
IRAs provide superior beneficiary options and inheritance strategies compared to the limited TSP provisions.
The Power of Hybrid Index Annuities: Growth, Income, and Safety.
1
Market-Linked Growth
Participate in market gains when indexes rise while protecting your principal when markets decline—the ideal combination for federal retirees.
2
Principal Protection
Your investment is contractually guaranteed by some of the largest financial companies. Unlike TSP funds, your principal cannot be lost due to market volatility.
3
Tax-Deferred Growth
Compound your earnings faster with tax deferral until withdrawal, providing potentially higher long-term accumulation than taxable accounts.
4
Guaranteed Lifetime Income
Convert your accumulated value to a stream of guaranteed income you cannot outlive, removing longevity risk from your retirement planning.
How FedLayoffHelp.com Simplifies Your TSP Transfer
Expert Consultation
Our federal benefits specialists evaluate your current TSP allocation and retirement goals to create a personalized transfer strategy.
Paperwork Management
We handle all required documentation, ensuring forms are properly completed and submitted to avoid delays or tax consequences.
Investment Selection
Access to premium index annuity products with competitive features specifically suitable for federal employees.
Ongoing Support
Continuous guidance throughout your retirement with annual reviews and adjustment recommendations as your needs evolve.
Maximizing Your Retirement with Hybrid Index Annuities

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Legacy Planning
Enhanced beneficiary options
2
Income Guarantees
Predictable lifetime payments
3
Growth Potential
Market-linked interest crediting
4
Principal Protection
Zero market risk to principal
Hybrid Index annuities combine the safety of fixed annuities with the superior growth potential of market participation. During market gains, you earn interest based on index performance. When markets fall, your principal remains intact with zero losses—an ideal solution for federal employees seeking retirement security.
Step-by-Step Guide to Transferring Your TSP
1
Initial Assessment
Review your current TSP allocation, retirement goals, and timeline to determine the optimal transfer strategy specific to your situation.
2
Account Setup
Establish your self-directed IRA account with a qualified custodian who specializes in handling federal retirement transfers.
3
Transfer Request
Complete and submit TSP-75 or TSP-99 forms requesting direct rollover to your new IRA to maintain tax-deferred status.
4
Investment Selection
Choose appropriate index annuity products aligned with your retirement income needs, growth objectives, and risk tolerance.
5
Confirmation
Receive verification that your TSP funds have been successfully transferred to your new IRA and invested according to your instructions.
Frequently Asked Questions About TSP to IRA Transfers
Will I pay taxes when transferring my TSP to an IRA?
No. When properly executed as a direct rollover, transferring TSP funds to an IRA is a non-taxable event. The funds maintain their tax-deferred status, with no tax consequences until you begin taking distributions.
Can I transfer my TSP while still employed by the federal government?
Current federal employees can only transfer TSP funds if they're age 59½ or older through an in-service withdrawal. Those separated from service can transfer regardless of age without penalty.
How long does the TSP to IRA transfer process take?
Typically 2-4 weeks from submission of paperwork to completion. Our specialists streamline the process to minimize delays and ensure proper handling of your retirement assets.
What happens to my TSP loan if I transfer to an IRA?
Outstanding TSP loans must be repaid before transferring or will be reported as a taxable distribution. We help develop strategies to address outstanding loans as part of your transfer plan.
Take Action: Protect and Grow Your Federal Retirement Savings
Protection Guarantee
Your principal is 100% protected from market downturns, ensuring retirement savings never decrease due to market volatility.
Growth Potential
Participate in market upside without downside risk, with competitive interest crediting methods linked to major market indexes.
Limited-Time Offer
Schedule your consultation now to learn about exclusive index annuity options with enhanced features for federal employees affected by layoffs or RIFs.
Don't leave your federal retirement security to chance. Contact FedLayoffHelp.com today for a complimentary consultation with our federal benefits specialists who understand your unique needs as a government employee.