The Roth TSP Is Changing—Here’s How to Use It to Your Advantage

In this fun and educational episode, Rayna uses her signature analogy—coffee vs. water—to explain the real difference between traditional retirement contributions and Roth contributions.

Federal employees, FERS workers, and TSP savers will especially benefit from Rayna’s breakdown of:

• What Roth means
• Why tax-free growth (the “oil”) is so powerful
• Contribution limits for 2025
• Why high-income earners still often choose Roth inside TSP
• How Roth IRA and Roth TSP rules differ
• And the big one: TSP will allow in-plan Roth conversions starting in 2026

Rayna also explains why timing, tax brackets, Medicare IRMAA thresholds, and your long-term goals all matter when deciding how much to convert—and when. 

If you’ve ever wondered, “Should I use Roth?” or “Should I convert my traditional TSP?”—this is your episode.

Rayna’s direct line for scheduling: 850-450-6500

Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org

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YouTube: https://www.youtube.com/@RaynaRetirement

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.