3 TSP Mistakes That Could Cost You +$100K in Retirement

Federal employees near retirement: keeping the same TSP allocation you used at 35 could quietly erode your lifetime income, cost you tax flexibility, and expose your savings to sequence-of-returns risk that drains six figures from your hard-earned balance.

Learn the three common TSP mistakes that many federal workers make — and how distribution planning, withdrawal mechanics, and retirement options can make a strategic difference.

Get your FREE TSP Retirement Strategy Guide and avoid costly mistakes https://cdfinancial.org/tsp%20free%20guide

Sequence-of-returns risk, proportional TSP withdrawals, and knowing your post-retirement options are three often-overlooked factors that matter more than your accumulation strategy.

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CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
0:00 Intro — Why TSP Mistakes Matter for Federal Employees
1:10 Sequence-of-Returns Risk Explained for TSP Distributions
2:45 Mistake #1 — Using Accumulation Allocations in Retirement
4:30 Bucket Strategy to Reduce Market Risk
6:00 Mistake #2 — Not Understanding TSP Withdrawal Mechanics
7:50 Prorata Withdrawals and Locked-In Losses
9:25 Mistake #3 — Ignoring Your Retirement Options (IRA, Annuity)
11:40 Tax Planning & Roth Conversion Considerations
13:15 Real-World Example: $750K TSP Scenarios
15:30 Next Steps & Free Guide

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

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