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TSP

Building a TSP Withdrawal Strategy

2026-08-20 6 min read

Start by defining the job each dollar needs to do: essential spending, flexible spending, or a reserve for later. Different jobs may call for different timing.

Consider taxes, market variability, and other income sources together. A withdrawal plan should be revisited as spending, markets, and tax rules change.

FEBA provides educational information, not individualized legal, tax, or financial advice. Review your own situation with the appropriate qualified professional.

K. Shawn McCoy

Written by

K. Shawn McCoy

Founder & President, FEBA

Shawn brings 37 years in financial services and more than 15 years dedicated exclusively to federal employee benefits. He has educated more than 38,000 federal employees through workshops nationwide and founded FEBA to make the federal benefits system easier to understand.