For veterans & transitioning service members with TSP accounts
When you leave the military, your TSP stays invested the same way it always was — even though your life, goals, and risk tolerance may have completely changed.
Which situation describes you?
No sales calls · No obligation · Takes about 3 minutes
The real problem
It's still set to the allocation you chose years ago
The fund mix you selected when you were 28 and decades from needing the money is probably not the right mix at 45, 55, or 65. The TSP doesn't notify you. It doesn't adjust for you. It does exactly what you told it to do — years ago.
Your TSP Was Built For Simplicity — Not Flexibility.
The TSP gives you five core funds and a handful of Lifecycle funds. That's it. Outside the TSP, there are structures that can protect your principal from market loss, guarantee income you can't outlive, or give you more flexibility — but you can't access them while you're inside the plan.
You've lost the structure that came with active duty
On active duty, your financial situation had structure built in — guaranteed pay, housing allowance, access to MWR financial counselors. In civilian life, that structure disappears. Your TSP doesn't know that. It's still running the same program as if nothing changed.
TAP is built to get you hired — not to protect your money
The Transition Assistance Program covers résumés, job skills, and VA benefits. What it doesn't give you is a real side-by-side look at what happens to your TSP balance if you leave it, roll it, or move it into a protected structure. That gap is what this comparison fills.
The decision you make at separation sets the direction for decades
Leaving your TSP in place isn't neutral. It's an active choice to keep your retirement savings in a plan with limited options and no downside protection. Understanding the alternative — before you separate — gives you choices that disappear once you're gone.
Your new civilian employer's 401(k) and your TSP are separate problems
Many transitioning service members assume they'll "figure it out later" once they're settled into their new job. In the meantime, the TSP sits untouched — often in an allocation that made sense on active duty but no longer fits your new financial picture. Getting clarity now costs nothing and protects your options.
Is this for me?
Whether you separated last year or last decade, this comparison shows where your TSP stands today — and what options may be available to you in plain English, at no cost.
What you receive
Every realistic path for your TSP — leave it, roll it to an IRA, move it into a protected structure — with the tradeoffs explained clearly. Not a sales pitch. A side-by-side comparison.
We show exactly how much of your current balance is at market risk right now — and what a principal-protected structure would look like sitting next to it.
If rolling out of the TSP makes sense for your situation, we walk you through exactly how it works — including tax implications, timing, and what to watch for so nothing goes wrong.
We walk you through the window between separation and your first civilian paycheck — when the TSP decision matters most and your options are most flexible.
We run your TSP situation against every A-rated carrier we work with — not just one company. You see the most competitive options available to you, side by side.
Why there's no risk in looking
We don't charge you anything. Ever. Our compensation comes from the insurance carriers we place business with — only if you decide to move forward, and only on the option you choose. If you look at your comparison and decide to leave your TSP exactly where it is, that's completely fine. You'll walk away knowing more than you did, at zero cost to you. That's not a sales tactic. That's just how this works.
Not a rep for one company. We compare 25+ A-rated carriers using proprietary technology — so you see the most competitive option for your situation, not just what a single company can offer you.
No unsolicited calls. We know the veteran community has been targeted by aggressive financial salespeople. You control the pace entirely. We reach out only when you ask us to.
Your report is yours to keep. Share it with your spouse, your existing advisor, or anyone else you trust. There's no pressure and no claim on what you do with the information.
No deadline. No pressure. This isn't a limited-time offer. You decide if and when to take any next step. The information is yours — on your timeline.
From fellow veterans
"I left my TSP alone for six years after I retired. Same allocation I set up as a Staff Sergeant. The comparison took three minutes and showed me options I didn't know existed outside the TSP."
— David R., 56, retired 1SG"I assumed keeping it in the TSP was the safe, responsible move. The comparison showed me how much of my balance was still fully exposed to market swings. That was the wake-up call."
— Linda M., 62, retired MSgt"They compared 14 carriers against my rollover situation and showed me what each option would actually look like for my income in retirement. My previous advisor had never done anything like that."
— Tom K., 58, retired CPO"I was nervous the rollover would be complicated and I'd lose something in the process. They walked me through every step. It wasn't complicated at all — I just didn't know what I was doing before."
— Sarah J., 34, former Sgt"TAP gave me résumé skills. This gave me clarity on my money. I wish I'd done it six months earlier in my transition — it changed the decisions I made in my final weeks of service."
— Robert T., 43, separating SFC"I kept assuming I'd figure out the TSP after I got settled in my new job. The comparison showed me why waiting was actually the riskier move. Now I have a real plan."
— Carol M., 49, retiring CWO4"I expected a sales pitch. It wasn't. They showed me three options I hadn't considered and gave me real numbers on each one. I made the decision on my own timeline."
— Patricia H., 38, separating SSgt"Under BRS, your TSP is a bigger part of the picture than it was for 20-year retirees before us. I needed to understand what my options actually were. This comparison did that — clearly."
— James K., 31, separating PO1Straight answers
Should I always roll my TSP out when I leave the military?
Not automatically. The TSP has genuinely low administrative fees, which matters. Whether a rollover makes sense depends on your age, your risk tolerance, what income you'll need in retirement, and whether you want options the TSP doesn't offer. The comparison lays out the real tradeoffs — we don't assume a rollover is always better.
Will rolling my TSP trigger taxes?
A direct rollover from the TSP to an IRA is typically a non-taxable event when done correctly through a direct transfer. The key is making sure the funds go directly from TSP to the new account — not to you first. We walk through the mechanics clearly and always recommend consulting your tax advisor before finalizing anything.
I'm still on active duty. Can I look at TSP options before I separate?
Yes, and it's actually better to look before you separate — you'll have more options and more time to make a deliberate decision rather than a rushed one. The comparison is available to you regardless of your separation date.
What if I have both a TSP and a civilian 401(k) from a post-military job?
That's a common situation for veterans who've been in the civilian workforce for several years. The comparison can look at both. Sometimes consolidating makes sense; sometimes keeping them separate does. We show you the side-by-side so you can make an informed call.
I already have a financial advisor. Why would I need this?
A second opinion costs you nothing here. Many veterans find that their advisor either didn't fully address the TSP, doesn't have access to the same range of carriers we compare, or hasn't revisited the situation in years. Getting another look is always worth it when it's free.
Is this actually free? What's the catch?
Genuinely free to you. We're compensated by the insurance carriers we place business with — only if you decide to move forward with one of the options, and only then. Looking at your comparison costs you nothing. We'd rather earn your trust through transparency than pressure you into anything.
How long does this take?
The intake takes about 3 minutes. You'll receive your comparison within one business day. There's no countdown, no expiration, and no deadline. The information is yours to use whenever you're ready.
Ready to see your options?
A free, personalized comparison of every realistic option for your Thrift Savings Plan — whether you separated last year or last decade, whether you're approaching military retirement or already there. No sales pitch. No obligation. No cost. Over 100,000 families have used this to make a clearer decision. It takes about 3 minutes to get started.
No calls unless you request one · No obligation · No cost