Mission Point Planning and Retirement

03/06/2026

In real estate they say the three most important factors are:

Location. Location. Location.

It turns out the same rule applies to retirement taxes.

For federal law enforcement officers, the location of your assets — taxable accounts, the TSP, Roth accounts, and IRAs — can dramatically affect the taxes you pay in retirement.

This article walks through why asset location matters and how it can impact your long-term retirement income strategy.

You don't need to read it, but I'm sure IRS will appreciate the extra donation.

Federal Law Enforcement Officers nearing retirement often focus on TSP balances, but asset location plays a major role in retirement taxes, flexibility, and income planning.

12/25/2025

Federal Law Enforcement friends — heads-up 👮‍♂️

There’s a small rule change coming that could make a big difference if you’re over 50 and planning to retire from service in the next few years.

Starting in 2026, if you make about $150K+, any extra TSP “catch-up” contributions (the extra savings you’re allowed after age 50) will have to be Roth — meaning no tax deduction today, but tax-free income later.

It’s NOT something to stress about — but it is something worth planning around, instead of being surprised by it.

🔗 Full breakdown here:
👉 https://missionpointplan.com/federal-leo-tsp-roth-catch-up-rule/

If you’re wondering:
✔ Should I be using Traditional or Roth in these final working years?
✔ Will this affect my take-home pay?
✔ How will this interact with my pension, TSP, and Social Security?

That’s exactly what we help Federal Law Enforcement Officers figure out — a clear path to retirement without guesswork.

09/20/2025

Maybe all that glitters IS 'Gold' YTD returns show three asset classes surprisingly leading the way, GOLD, international stocks and emerging markets.

Two of the three don't exist in the unless you use the brokerage window. Yet another case for why the , for was pioneering as it used to be, doesn't provide the needed diversification for today's retiree

09/20/2025

🚨 Federal employees just made a $33 BILLION mistake.

In just 3 months, they bailed out of stock funds and hid in the “safe” G Fund… right as the market was about to rebound.

That move felt safe in the moment — but it quietly destroyed their millionaire potential.

👉 Don’t fall for the G Fund Trap. Here’s how to avoid it:

What is the TSP G Fund, and is it safe for retirement? Discover the risks of overusing the G Fund, why it traps federal employees, and how to diversify smarter

08/07/2025

🚀 Federal employees: are you flying blind with your TSP? ✈️ It’s time to land with purpose! Learn how an Investment Policy Statement (IPS) can turn your Thrift Savings Plan into a strategic roadmap—so you know exactly why you’re investing, what return you need, and how to stay on track through every market twist. Check out our step-by-step guide and start building your custom TSP IPS today! 👇

Learn step-by-step how federal employees can build a TSP Investment Policy Statement (IPS) to align goals, risk, and asset allocation for a confident retirement.

08/02/2025

🚨 Retired LEO? Planning a Big Purchase? Don’t Let the IRS Take the First Cut.

Think funding that dream cabin, family gift, or roof replacement is as simple as pulling from your TSP or IRA? Think again. 💸

One retired FBI agent saved thousands in taxes—just by changing the order of withdrawals.

👉 See how smart coordination across TSP, IRA, and brokerage accounts can protect your wallet and your retirement plan:
🔗

Big expenses like home renovations can trigger hidden taxes in retirement. Learn how one federal retiree used smart tax planning to avoid higher Medicare premiums and tax brackets.

07/14/2025

Federal LEO Agents—are you ready for what comes after the job?

If you're within 5 years of retiring, this free guide was made for you.

It’s called the Federal LEO Retirement Security Alert, and it covers:
✅ When you can realistically afford to retire
🛡 How to protect your TSP from the #1 threat in retirement
💰 How to avoid overpaying Uncle Sam (something most agents do)

This isn’t theory—it’s a practical roadmap built for federal law enforcement.

Download your copy here 👉 https://missionpointplan.com/guide

04/11/2025

🧭 What can Napoleon’s defeat at Waterloo teach you about your TSP and retirement plan?

More than you’d think. Especially during these volatilie times.

If you're a federal employee nearing retirement, the market turbulence in 2025 might have you feeling uncertain—about your investments, your timeline, and whether your plan is really built to last.

This isn’t just about history. It’s about your future.

📉 Market volatility.
🧾 TSP withdrawals.
📅 Retirement income planning.
💥 Avoiding costly mistakes.

👀 In this new article, I unpack what went wrong for Napoleon—and how you can avoid a financial Waterloo of your own.

Market chaos impacts retirement planning for federal employees. Learn strategies to secure your financial future effectively.

04/03/2025

Markets don’t like surprises — but history shows they recover.

The recent market pullback tied to new tariff announcements has many investors feeling uneasy. Headlines are loud, emotions are high, and short-term reactions can be tempting.

But take a look at this long-term chart of the S&P 500's total return from 1970 to 2024 (⬇️). Through decades of economic shocks, geopolitical conflicts, interest rate hikes, oil crises, tech bubbles, and yes — previous tariff wars — the market has demonstrated one consistent trait:

📈 Resilience.

Despite countless reasons to exit along the way, a $10,000 investment in 1970 grew to nearly $3 million by the end of 2024.

Each downturn had its own “new reason to panic.” But long-term investors who stayed disciplined and diversified were rewarded.

The lesson? We've been here before. And every time, long-term thinking outperformed short-term fear.

📬 The recent market moves have you second-guessing your investments? now’s the perfect time to get a second opinion.

&P500

03/04/2025

LinkedIn Post: Stop Checking Your TSP So Often—Here’s Why
🚨 Are you checking your TSP too often? 🚨

If you’re logging in every day—or even multiple times a week—you might be hurting your long-term investment success more than helping it.

It’s easy to feel like keeping a close watch on your balance is responsible. After all, in most areas of life, paying more attention leads to better results. But when it comes to investing, this habit can lead to unnecessary stress and bad financial decisions driven by short-term market swings.

👉 Here’s the problem:
Our brains are wired for loss aversion—we hate losing money more than we enjoy gaining it. When you check your TSP daily, you’re more likely to see small declines that feel much worse than they actually are. This emotional reaction can tempt you to make rash moves like shifting funds or selling at the wrong time.

💡 The solution? Check less, stress less.

Set a schedule—once a month or quarterly is plenty.
Remove investment apps from your phone to reduce impulse checking.
Focus on long-term growth, not daily fluctuations.
📈 Investing isn’t about reacting—it’s about patience. Give your portfolio the time it needs to grow, and your future self will thank you.

🔗 Want to learn more? Check out my full article below.

Checking your TSP or investment accounts too often can lead to stress and poor financial decisions. Learn why less is more when it comes to monitoring your investments and how to stay focused on long-term growth. Read more!