Jeniffer Bonano and Luis Maldonado, works in collaboration, helping employees and retirees regarding Thrift Savings Plan (TSP), retirement plan sponsored by United States Government, the distribution alternatives, retirement preparation and tax events at retirement age.

We are regulated by the guidelines of the Insurance Commissioner.
We always act in the client’s best interest.

We are not investors or financial advisors. Information provided is for a better understanding of TSP Funds.

Our guidance does not replace those provided by TSP.
We are not employees of the federal government.

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Contact:
787-447-2860
787-925-4878

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LEARN MORE ABOUT: Thrift Savings Plans

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The Thrift Savings Plan (TSP) is a retirement savings and investment plan for federal employees and members of the uniformed services. In order to help new participants understand the benefits and features of the TSP, an orientation program is available to provide valuable information and resources.

The TSP orientation program is designed to provide participants with a thorough understanding of how the plan works and how they can best utilize it to save for their retirement. The program covers topics such as the different investment options available within the TSP, how to make contributions, and the tax advantages of participating in the plan.

One of the key components of the TSP orientation program is educating participants about the various investment options available to them. The TSP offers five different investment funds, each with its own investment strategy and level of risk. The orientation program helps participants understand the differences between these funds and how to choose the one that best aligns with their retirement savings goals and risk tolerance.

Another important aspect of the TSP orientation program is educating participants about the different contribution options available to them. Participants can make traditional pre-tax contributions, Roth after-tax contributions, or a combination of both. The program helps participants understand the advantages and disadvantages of each contribution type, allowing them to make informed decisions about how to save for their retirement.

In addition to discussing the investment and contribution options, the TSP orientation program also covers important topics such as the impact of participating in the plan on taxes, the benefits of the TSP loan program, and the options available for withdrawing funds from the TSP once participants reach retirement age.

The TSP orientation program is typically offered through in-person seminars and online resources, making it easily accessible for participants to learn about the plan at their own pace. The program is a valuable tool for new TSP participants to gain a comprehensive understanding of how the plan works and how they can make the most of it as they save for retirement.

Overall, the TSP orientation program is an essential resource for federal employees and members of the uniformed services who are looking to take advantage of the benefits of the TSP. By educating participants about the different investment and contribution options, as well as the other features of the plan, the orientation program sets participants up for success as they save for their retirement. It is highly recommended that new TSP participants take advantage of this valuable program to make the most of their retirement savings.