The Thrift Savings Plan has launched Roth in-plan conversions, allowing participants to move traditional TSP funds into a Roth account and pay taxes now for tax-free withdrawals later. TSP’s Jim Kaplan explains the tax implications, new planning calculators, and why consulting a tax advisor is critical. The change follows participant feedback and was built through extensive upgrades to the Converge system. Kaplan also discusses increased digital tools, reduced call volumes, shutdown-driven account activity spikes, rising Blended Retirement System participation, and TSP’s ultra-low 3.4 basis point expense ratio—helping millions of feds retire with dignity.

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