Financial Services for USPS Employees

Why? When? and How?

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Welcome USPS Employees!

We are proud to offer a suite of financial services specifically designed to meet the unique needs of USPS employees. Whether you’re looking for mortgage assistance, retirement planning, or investment advice, we have you covered.

Retirement Planning

  • Thrift Savings Plan (TSP) Guidance: Maximize your Thrift Savings Plan benefits with our expert advice. We help you understand the various TSP funds, their risk levels, and potential returns. Our guidance ensures that your TSP contributions align with your retirement goals, risk tolerance, and investment horizon. We also assist with TSP withdrawals and the impact on your taxes and retirement income.

  • Pension Analysis: Understand your USPS pension and how it fits into your overall retirement plan. Our detailed analysis includes explaining the components of your pension, such as the annuity calculation, cost-of-living adjustments (COLA), and survivor benefits. We help you integrate your pension with other retirement income sources to ensure a stable and secure retirement.

  • IRA Options: Explore Traditional and Roth IRA options to supplement your retirement savings. We provide insights into the benefits and drawbacks of each type of IRA, including tax implications, contribution limits, and withdrawal rules. Our team helps you choose the right IRA based on your financial situation and retirement objectives.

Insurance Solutions

Life Insurance

Protect your loved ones with comprehensive life insurance policies. We offer a range of life insurance options, including term life, whole life, and universal life insurance. Our advisors work with you to determine the appropriate coverage amount and policy type that best meets your family’s needs and financial situation.

Disability Insurance

Ensure income protection in case of an unexpected illness or injury. Our disability insurance plans provide a safety net by replacing a portion of your income if you’re unable to work. We help you understand the different types of disability insurance, such as short-term and long-term coverage, and select the right plan to maintain your financial stability.

Health Insurance

Navigate through various health insurance plans tailored for USPS employees. We assist you in comparing different health insurance options, including HMOs, PPOs, and high-deductible health plans. Our goal is to help you find a plan that offers the best balance of coverage, cost, and flexibility for your healthcare needs.

Financial Planning

  • Budgeting Assistance: Create a budget that works for you and your family. Our financial planners help you track your income and expenses, identify areas for savings, and set realistic financial goals. We provide tools and strategies to maintain a balanced budget, manage debt, and ensure that you live within your means.

  • Savings Strategies: Learn how to save effectively for short-term and long-term goals. We offer personalized savings plans that address your specific needs, whether it’s building an emergency fund, saving for a major purchase, or planning for your children’s education. Our strategies include setting up automatic savings, choosing the right savings accounts, and maximizing interest earnings.

  • Tax Planning: Optimize your tax situation with expert planning strategies. Our tax planning services help you minimize your tax liability and maximize your after-tax income. We provide advice on tax-efficient investment strategies, retirement account contributions, and deductions. Our goal is to ensure that you take advantage of all available tax benefits while staying compliant with tax laws.

Why Choose Us?

Expert Advisors

Our team has extensive experience working with USPS employees.

Tailored Solutions

We understand the unique challenges and opportunities that come with a USPS career.

Comprehensive Services

From mortgages to retirement planning, we offer a full range of financial services.

Understanding USPS

Why:
  • The USPS is essential for providing mail services across the United States, including mail delivery, postal services, and other mail-related functions.
  • It plays a critical role in the economy by facilitating communication and commerce.
When:
  • The USPS was founded on July 26, 1775.
  • It became an independent establishment of the executive branch of the U.S. Government on July 1, 1971.
How:

The USPS operates through a vast network of post offices and distribution centers.

Articles and Guides:

  • Understanding FERS: A Comprehensive Guide
  • Maximizing Your TSP Contributions
  • Health Insurance Options for USPS Employees
  • Navigating Federal Employee Leave Policies

Contact Us

Ready to take control of your financial future? Contact us today to schedule a consultation.

Retirement Link for USPS (HR contact)

Telephone- 1-877-477-3273 option 5. When their answer indicates you are going to retire ( this date is going to be the last day of the month you chose. Remember to do this not more than 3 month before your retirement and not less than 2 month. This gives time to prepare for the process.

Want to talk?

Call us today to discuss your investment options

Talk to a PSR Advisor

Frequently Asked Questions

Managing your Thrift Savings Plan (TSP) can be complex, but numerous resources and support options are available to help you navigate your retirement savings plan. Here are some frequently asked questions (FAQs) and answers to guide you:

Visit the TSP website at www.tsp.gov and click on “My Account” at the top right corner. Enter your TSP account number or User ID and your password. If you don’t have these credentials, follow the prompts to set up your account or reset your password.

For 2024, the contribution limit for TSP is $22,500. If you are 50 or older, you can make additional catch-up contributions of up to $7,500, bringing the total to $30,000.

If you are a Federal Employees Retirement System (FERS) employee, your agency automatically contributes 1% of your basic pay to your TSP account, regardless of your own contributions. Additionally, your agency will match your contributions up to 5% of your basic pay. The first 3% is matched dollar for dollar, and the next 2% is matched at 50 cents on the dollar.

Yes, you can roll over eligible employer plans (such as a 401(k)) and traditional IRAs into your TSP account. Roth IRAs cannot be rolled into the TSP.

The Thrift Savings Plan (TSP) offers a variety of funds for participants to invest in, each catering to different risk tolerances and investment strategies. Here’s a summary of the available funds:

Individual Funds

  1. G Fund (Government Securities Investment Fund)
    • Objective: Provide a safe investment with a return higher than inflation without risk of loss.
    • Investments: Special non-marketable U.S. Treasury securities.
    • Risk Level: Very low risk.
    • Returns: Steady but relatively low.
  2. F Fund (Fixed Income Index Investment Fund)
    • Objective: Match the performance of the Bloomberg Barclays U.S. Aggregate Bond Index.
    • Investments: U.S. government, mortgage-backed, corporate, and foreign government bonds.
    • Risk Level: Low to moderate risk.
    • Returns: Moderate, with some volatility.
  3. C Fund (Common Stock Index Investment Fund)
    • Objective: Match the performance of the S&P 500 Index.
    • Investments: Stocks of 500 large and mid-sized U.S. companies.
    • Risk Level: High risk.
    • Returns: Historically high over the long term, but with significant volatility.
  4. S Fund (Small Capitalization Stock Index Investment Fund)
    • Objective: Match the performance of the Dow Jones U.S. Completion Total Stock Market Index.
    • Investments: Stocks of U.S. companies not included in the S&P 500, typically smaller and mid-sized companies.
    • Risk Level: High risk.
    • Returns: Potential for high returns, with high volatility.
  5. I Fund (International Stock Index Investment Fund)
    • Objective: Match the performance of the MSCI EAFE Index.
    • Investments: Stocks of companies in developed markets outside the U.S. and Canada (Europe, Australasia, and the Far East).
    • Risk Level: High risk.
    • Returns: Provides international diversification, with performance influenced by global market conditions.

Lifecycle Funds (L Funds)

  • Objective: Provide diversified investments tailored to the participant’s target retirement date. The asset allocation automatically becomes more conservative as the target date approaches.
  • Structure: A mix of the G, F, C, S, and I Funds, rebalanced to reduce risk as the participant nears retirement.
  • Available Funds:
    • L 2065: For those with a retirement target around 2065.
    • L 2060, L 2055, L 2050, L 2045, L 2040, L 2035, L 2030, L 2025: For those with corresponding target retirement dates.
    • L Income: Designed for those who are currently withdrawing or about to start withdrawing from their TSP account, focusing on income and capital preservation.

Accessing money from your Thrift Savings Plan (TSP) account can be done through several options, depending on your situation and needs. Here are the primary ways to withdraw funds from your TSP account:

1. Partial Withdrawals

  • Eligibility: Available once you are separated from federal service or reach age 59½ if still employed.
  • Description: Withdraw a portion of your TSP balance while leaving the rest invested.
  • Process: Request a partial withdrawal through the TSP website or by submitting Form TSP-77.

2. Full Withdrawals

  • Eligibility: Available upon separation from federal service.
  • Description: Withdraw your entire TSP balance. This can be done as a lump sum, installment payments, or a combination.
  • Options:
    • Lump Sum Payment: Receive your entire balance in one payment.
    • Installment Payments: Receive regular payments monthly, quarterly, or annually.
    • Life Annuity: Purchase an annuity to receive guaranteed payments for life.
  • Process: Request a full withdrawal through the TSP website or by submitting Form TSP-70.

3. Installment Payments

  • Description: Set up regular, scheduled withdrawals from your TSP account.
  • Options: Choose fixed dollar amounts or payments based on life expectancy.
  • Flexibility: Modify the amount and frequency once a year.
  • Process: Set up and manage through the TSP website or by submitting Form TSP-70.

4. Life Annuities

  • Description: Convert your TSP balance into a life annuity to receive guaranteed monthly payments for life.
  • Survivor Benefits: Options to include benefits for a beneficiary.
  • Process: Request an annuity purchase through the TSP website or by submitting Form TSP-70-A.

5. Required Minimum Distributions (RMDs)

  • Eligibility: Begins at age 73.
  • Description: Minimum annual withdrawals required by the IRS.
  • Process: TSP will notify you of the required amount and provide withdrawal options to satisfy the RMD.

6. Rollover to IRA or Eligible Employer Plan

  • Description: Transfer your TSP balance to an IRA or another employer’s retirement plan.
  • Benefits: Continue tax-deferred growth and potentially more investment options.
  • Process: Initiate a rollover through the TSP website or by submitting Form TSP-60 (rollover to IRA) or Form TSP-60-R (rollover to employer plan).