Your $1M TSP Allocation is Probably Wrong | Here's Why—Fiduciary Case Review

As fiduciaries, when we review a $1 million TSP portfolio, our first priority isn’t performance — it’s protecting retirement income from sequence of returns risk, inflation, and unnecessary tax exposure.”

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As fiduciaries, we structure a $1 million TSP around income sustainability, risk alignment, and long-term retirement coordination — not just fund selection.

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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
00:00 Intro – Reviewing $1 Million TSP Case Scenarios
00:49 80% C Fund Near Retirement – Allocation Risk Discussion
01:43 Market Drop Example & Sequence of Returns Risk
03:24 Separating Funds for Income vs Growth
05:48 100% G Fund Allocation – Opportunity Cost & Inflation Risk
07:02 Life Cycle Income Fund as a Conservative Default
09:48 Multiple Life Cycle Funds – Allocation Confusion
12:03 Portfolio Stress Testing Before Retirement
12:38 Withdrawal Sequencing Across Accounts & Tax Considerations
13:40 Coordinating TSP, Pension, Social Security & Written Strategy

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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