TSP and 401(k) Rollovers

Stone Financial Consultants helps you simplify your TSP or 401(k) rollover by guiding you through the process from start to finish. We’ll help you transfer your retirement savings safely, avoid tax mistakes, and keep your money growing in a tax-advantaged way for your future. Call us at 951-282-2168.

What Is a TSP or 401(k) Rollover?

A rollover simply means moving your retirement savings from one qualified account to another—without paying taxes or penalties. This can happen when you change jobs, retire, or just want more control over your money. The goal is to help you manage your savings more effectively and keep your retirement funds growing for the future.

Why Should I Consider a Rollover?

Rolling over your TSP or 401(k) can be one of the smartest financial moves you make for retirement. It allows you to keep your money working for you by accessing better investment choices, lower fees, and more flexibility. This means your money can grow faster over time and stay aligned with your comfort level and long-term goals.

How Can a Rollover Simplify My Finances?

Many people end up with several retirement accounts throughout their careers, which can make it hard to stay organized. A rollover lets you combine your savings into one account, making it easier to monitor, adjust, and plan. With one login and one statement, you’ll always know where your retirement money stands and can make smarter investment decisions as your life changes.

Will I Owe Taxes or Penalties During a Rollover?

Not if it’s handled correctly. A direct rollover allows your funds to move from one retirement plan to another without triggering a taxable event. That means you won’t owe taxes right away, and your money can continue to grow tax-deferred. Our team at Stone Financial Consultants helps you complete the process properly so you stay compliant with federal rules and avoid costly mistakes.

Can a Rollover Help My Retirement Savings Grow?

Yes. By keeping your funds in a qualified account, your savings can continue to grow through compound interest. Over time, this growth can make a major difference in how much you have available at retirement. A well-planned rollover also lets you adjust your investments to match your age, risk tolerance, and retirement timeline.

What Special Benefits Do Federal Employees Have?

Federal employees enjoy extra flexibility through the Thrift Savings Plan (TSP). You can roll money into your TSP from qualifying accounts while you’re working or roll it out into another plan or IRA after leaving federal service. This gives you control over how your retirement savings are managed and where they’re invested—while keeping the same tax advantages you’ve earned.

Should I Consider A Roth IRA Conversion?

There are different benefits to Roth vs. Traditional IRAs, most importantly the tax advantage differences of each plan. When converting funds from a Traditional IRA, you pay income tax on the converted amount in the year of the conversion, but once you hit age 59½, withdrawals in retirement can be made without paying tax on those withdrawals. When converting, there is a five-year freeze period where the money must stay in your Roth IRA for five years after the conversion. This conversion can be beneficial to protect your retirement savings through potential increases in tax rates over time.

Stone Financial Consultants helps you move your TSP or 401(k) without tax penalties. We simplify the complex rules and guide your rollover from start to finish. Our goal is to help you manage your retirement money effectively and avoid costly mistakes. Call us at 951-282-2168.