New for 2026: The TSP In-Plan Roth Conversion (And How to Use It)

from Pulaski Planner Podcast: Your Retirement Lookout · host Catherine Kirchner

The Thrift Savings Plan (TSP) just launched a feature that changes the game for tax planning. As of January 2026, you can now convert Traditional TSP funds to Roth TSP funds without ever leaving the plan.In this episode, Catherine breaks down the logistics of this new tool and explains why federal employees—specifically those with a FERS pension—might want to consider paying taxes today to avoid a "tax bomb" in retirement.We discuss:The "Old Way" vs. "New Way" of doing Roth conversions.The Pro-Rata Rule: Why you can't choose which funds to convert.The Danger Zone: The TSP will not withhold taxes for you—here is how to handle the bill without getting penalized.The W-4 Hack: A simple trick in MyEPP/Employee Express to automate your tax payments.Links & Resources:Book a Call: https://www.donaliesfp.com/pulaski-plannerVisit the Website: https://www.donaliesfp.com/pulaski-plannerConnect on LinkedIn: Subscribe to the Pulaski Planner newsletter.This episode is for educational purposes only and is not financial advice.

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This episode was published on January 30, 2026.

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