TSP In-Plan Roth Conversions w/ Rob Moore

From Operation Retirement Readiness by Mike Hunsberger & Amy King

March 25, 2026 · 57 min · Season 2 · Episode 13

About this episode

Rob Moore discusses in-plan Roth conversions within the TSP and their implications for retirement planning.

Join us as Rob Moore from Everman Wealth and Prosperity discusses the ins and outs of in-plan Roth conversions within the TSP. Learn who should consider this strategy, the tax implications, and how to navigate the complexities for optimal retirement planning. Key Topics In-plan Roth conversions within the TSP Tax implications and planning for Roth conversions Strategies for filling tax brackets and managing RMDs Chapters 00:00 Introduction to TSP In-Plan Roth Conversions 04:13 Understanding Traditional vs. Roth TSP Accounts 07:00 The Mechanics of Roth Conversions 09:57 Tax Implications of Roth Conversions 12:53 Strategizing Roth Conversions 16:00 Roth Conversions During Deployment 19:07 Roth Conversions for Military Retirees 21:50 State Tax Considerations for Roth Conversions 24:56 Framework for Deciding on Roth Conversions 28:56 Tax Rate Arbitrage and Roth Conversions 31:24 Diversification Among Account Types 32:20 Tax-Free Gifts to Heirs 33:21 Understanding Marginal vs Average Tax Rates 37:42 The Five-Year Rule Explained 43:35 Cash for Tax Payments on Conversions 49:28 Scenario Analysis for Roth Conversions 51:20 Key Takeaways on Roth Strategies Rob's Website…

People in this episode

Hosts: Mike Hunsberger, Amy King

Guest: Rob Moore

Topics covered

TSP In-Plan Roth Conversions
Tax implications
Retirement planning strategies
Roth conversion mechanics
Military retirement considerations

Keywords

Roth conversions
TSP
tax implications
retirement planning
military retirees
tax rate arbitrage
diversification

Mentioned in this episode

Organizations: Everman Wealth and Prosperity, Operation Retirement Readiness