Federal Employees

Turn Your TSP Into Guaranteed Retirement Income

Roll a portion of your Thrift Savings Plan into a Fixed Indexed Annuity for protected, tax-deferred growth and a paycheck you can't outlive — guided by Ken Orenstein, published author of "The Informed Fed."

Built for the way federal careers end

After years in the TSP, the question shifts from "how do I grow it?" to "how do I keep it safe and make it last?" A Fixed Indexed Annuity lets you move part of your savings out of market risk while still capturing index-linked growth — with a 0% floor so a bad year never erases your balance.

A direct TSP-to-annuity rollover preserves tax deferral, and an optional income rider can convert your balance into guaranteed lifetime income to complement your FERS pension and Social Security. Ken has spent his career helping feds understand exactly how these pieces fit together — in plain English, with no pressure.

Federal government employees reviewing TSP retirement and annuity planning with an advisor

How We Help Federal Employees

From rollover paperwork to choosing the right carrier and income rider, we handle the details so your transition into retirement is smooth.

TSP Rollovers

Move part of your TSP into a Fixed Indexed Annuity through a direct, tax-deferred rollover — no surprise tax bill.

Protected Growth

Earn interest linked to an index like the S&P 500 with a 0% floor — your principal is never lost to market drops.

Guaranteed Income

Add an optional income rider that turns your balance into a dependable paycheck for life, on top of FERS and Social Security.

Federal Retirement Expertise

Guidance from the author of "The Informed Fed" and an Annuity.org contributor.

Federal Employee FAQs

Can I roll my TSP into a Fixed Indexed Annuity without paying taxes?

Yes. A direct rollover from your TSP into an annuity-funded IRA keeps your money tax-deferred — you're not taxed until you take withdrawals. We coordinate the paperwork so the transfer is done correctly and your tax deferral is preserved.

Is it better to leave my money in the TSP or roll some of it over?

It depends on your goals. The TSP is known for very low costs and is hard to beat for accumulation. What it doesn't offer is principal protection or guaranteed lifetime income. Many feds keep money in the TSP and roll over a portion into a Fixed Indexed Annuity for protection and income — it isn't all-or-nothing. We'll lay out the trade-offs honestly so you can decide.

Do I have to move my entire TSP?

No. Many feds move only a portion — enough to add protected, guaranteed income — while keeping the rest invested in the TSP. We help you decide how much makes sense for your goals and timeline.

How does this fit with my FERS pension and Social Security?

A Fixed Indexed Annuity with an income rider can add a third stream of guaranteed income alongside your FERS pension and Social Security — helping cover essential expenses with income you can't outlive. We map out how the pieces work together before you decide anything.

Turn Your TSP Into Guaranteed Retirement Income

See How a Fixed Indexed Annuity Works