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Avoid the $73,000 Mistake

The Veteran's TSP Rollover Checklist

Hey Reader

When I talk with retiring service members, there’s one number that keeps coming up.

$73,000.

That’s not a salary, a bonus, or the price of a new truck. It’s the average lifetime value lost when veterans make the wrong call with their Thrift Savings Plan (TSP) after separation.

I’ve seen it happen to smart, disciplined people — the same people who could strip down an M4 blindfolded and give a five-paragraph OPORD without breaking a sweat. Yet when it comes to their TSP, they either cash out too soon, roll over without a plan, or freeze up and do nothing.

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Why the TSP Decision Is Different for Veterans

The TSP isn’t just another retirement account.
It’s a unique blend of ultra-low fees, exclusive G Fund access, and rock-solid federal protections. But it’s also limited: fewer investment choices, no Bitcoin or alternative assets, and less flexibility for tax planning.

For the average civilian, the decision to roll over might be simple. For a veteran with $500K+ in assets, it’s a mission with multiple moving parts:

• Tax implications (especially if you’ve got combat zone contributions)
• Security clearance considerations for certain investments
• Legacy planning for your spouse and kids
• The timing of VA disability benefits and other income streams

See If You're Making the $73,000 Mistake →

A Case Study: O-5 Retirement

For example, take a retiring O-5 who had $540K in his TSP.
He was leaning toward rolling the whole thing into an IRA “because that’s what his buddy did.” But when we ran the numbers, we found that leaving a portion in the TSP for G Fund stability — while rolling part to an IRA for tax strategy and diversification — added $73,000 in projected lifetime value to his retirement plan.

That’s why I created something new for you…

Your TSP Rollover Decision Checklist

This isn’t a one-size-fits-all chart. It’s a clear, actionable framework specifically designed for high-net-worth veterans.
You’ll see:

• The exact advantages of staying in the TSP
• The exact advantages of rolling over to an IRA
• A decision matrix to help you mix and match
• Veteran-specific considerations that no civilian advisor will tell you

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Faith & Stewardship Perspective

Proverbs 21:5 reminds us:

God has entrusted you with resources through your years of service. The TSP decision is one of the most important stewardship choices you’ll make — and it deserves careful, prayerful planning.

Download the TSP Rollover Decision Checklist

​TSP_Rollover_Decision_Checklist_v2.pdf​

Here are your next three steps, if you’re within 12 months of retirement or separation:
1. Run the numbers.
2. Pray over the plan.
3. Make the decision that sets your family up for victory in the next chapter.

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Start Building Your Wealth Today

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