1. “One of the finest retirement plans in the world!”
Thrift Savings Plan
“One of the finest retirement plans in the world!”
As of April 2015, these slides have been updated with current figures. Please review the content thoroughly if you have not presented it prior to the revision date.
Presented by Military & Family
Personal Financial Counselor
Updated April 2015

2. Thrift Savings Plan overview Enrollment and participation
Agenda
Thrift Savings Plan overview
Enrollment and participation
Contributions
Roth TSP
Investment funds and options
Withdrawals and loans
Contact information
In this presentation, I’m going to talk about the Thrift Savings Plan and how you can take advantage of this amazing benefit that is only offered to uniformed service members and Federal employees.
Today’s topics include:
A general overview of the TSP
Reasons why you should think about signing up
How to enroll and participate in the plan
How to make contributions
The Roth TSP versus the Traditional TSP
Investment funds and options
The plan’s components and features
Where you can get more information about the TSP and sign up for the plan.

3. What is the Thrift Savings Plan?
Government-sponsored retirement plan
Open to all uniformed service members
Similar to 401(k) plan
Defined contribution plan
All uniformed service members have the opportunity to participate in the Thrift Savings Plan. The TSP is a long-term, government-sponsored retirement savings plan which is similar to 401(k) plans offered to private sector employees.
TSP is a defined contribution plan, meaning that the retirement income you receive from your TSP account is dependent on the contributions you make to your account during your working years and the earnings your account accumulates over that time.

4. Why Sign Up? Pre-tax/tax-deferred options
Choose your investment options
Easy to contribute with automatic deductions
TSP participation is voluntary, not automatic. We highly recommend that you sign up. Here are a few reasons why:
First, you have a choice of tax treatments for your contributions:
Traditional (pre-tax) contributions and tax-deferred investment earnings
Roth (after-tax) contributions with tax-free earnings at retirement if IRS requirements are met
Also, you get to choose the funds to invest in. The TSP has a wide choice of investment options, including professionally designed lifecycle funds. I’ll tell you more about those funds shortly.
Another great feature of the TSP is automatic payroll deductions, which make it easy to contribute to your account.
Finally, TSP contributions and earnings are yours to keep, whether you leave the military or stay in until retirement.
Take your money with you if you transition…
…or keep it in TSP until you retire

5. Enrollment and Your Account
mypay.dfas.mil Ensure DFAS has current mailing address!
Personnel Office: Form TSP-U-1
Account #
Web password
ThriftLine PIN
Access through:
ThriftLine
Designate Beneficiary: Form TSP-3
Distribute benefits: Form TSP-17
To participate in the TSP, you will need to enroll in the plan. The easiest way to enroll is through the myPay website at mypay.dfas.mil. Your account information will be mailed to you, so be sure DFAS has your current mailing address before you enroll! If your service does not use myPay, you can enroll through your installation's personnel office by completing the Uniformed Services Election Form TSP-U-1. Once you're enrolled, be sure to compare your TSP statement with your Leave and Earnings Statement (LES) to ensure the contribution amounts are correct.
When you establish a TSP account, you will get your account number, website password, and ThriftLine Personal Identification Number (PIN) in the mail so you can access your account online or by phone.
For website access at tsp.gov, you will need the Account Number and website password.
For ThriftLine (telephone) access, you will need the account number and PIN. You can also get a temporary password over the phone. I will give you the ThriftLine numbers at the end of this presentation.
If you wish, you can designate a person or persons, your estate, or a trust to receive your TSP account after your death. To designate a beneficiary or beneficiaries, you must use Form TSP-3, Designation of Beneficiary.
In order for beneficiaries to receive your account balance after your death, they (or their representatives) must complete Form TSP-17, Information Relating to Deceased Participant, and send it to the TSP along with a copy of the certified death certificate.
Account Access
Enrollment
Beneficiaries

6. Making Contributions Two types:
Regular (including automatic enrollment)
Catch-up (after age 50)
1-100% of incentive/special/bonus pay with contribution from basic pay
Contributions from tax-exempt pay also tax-exempt
No matching option as of 2015
There are two types of employee contributions:
Regular employee contributions are deducted from your basic pay and include automatic enrollment contributions.
Catch-up contributions are deducted from your pay starting the year you turn 50. To be eligible to make catch-up contributions, you must expect to contribute the maximum amount allowed of regular employee contributions for the year to the TSP or to an equivalent tax-deferred employer plan such as a 401(k).
In addition, members of the uniformed services:
Can also contribute from 1 to 100 percent of any incentive pay, special pay, or bonus pay — as long as you also elect to contribute from your basic pay.
Can elect to contribute from incentive pay, special pay, or bonus pay, even if you are not currently receiving them. These contributions will be deducted when you do receive any of these types of pay.
Cannot contribute from sources such as housing or subsistence allowances.
If you are receiving tax-exempt pay (for example, pay that is subject to the combat zone tax exclusion), your contributions from that pay will also be tax-exempt. You are also allowed to contribute more of your pay to the TSP during the year. You cannot make catch-up contributions from incentive pay, special pay, or bonus pay. 
Currently, members of the uniformed services do not receive matching contributions from the government.

7. Contribution Limits 1-100% Incentive, Special, Bonus Pay
Elective Deferral Limit ($18,000 in
(2015)
Traditional and Roth contributions
Each pay period, your agency or service will deduct your contribution to the TSP from your pay in the amount or percentage that you indicated when you submitted your contribution election information.
Your agency or service will continue to deduct your contribution until you:
Make a new election changing the amount, or
Elect to stop your contributions, or
Reach the IRS contribution limit, or
Take a financial hardship withdrawal.
The IRS places a number of specific limits on the dollar amount you can make to the TSP. These limits change annually. When the annual limits become available, the TSP will announce them on the website and the ThriftLine as well as through its various publications.
The IRC elective deferral limit is the maximum amount of employee contributions made during a calendar year. The elective deferral limit applies to the combined total of your tax-deferred traditional contributions and Roth contributions from taxable basic pay. In addition to basic pay, you can also contribute 1 to 100% of any incentive pay, special pay, or bonus pay—as long as you elect to contribute at least 1% from basic pay. However, the elective limit of $18,000 (2015) does not apply to traditional contributions made from tax-exempt pay earned in a combat zone.
Elective limit does not apply to traditional contributions made from tax-exempt pay earned in a combat zone

8. TSP Investments What are my retirement needs? What is my time horizon?
How much risk am I willing to accept?
How much risk am I able to accept?
How much diversification do I need?
Before you invest, it is a good idea to ask yourself several questions and find out how to maximize your retirement savings.
What are my retirement needs? Think about the kind of life you expect to have in retirement, how long you expect to be in retirement, and what your income needs might be.
Start by estimating a percentage of your current annual income that you think might sustain you in your retirement years. Many people underestimate this amount. Many financial professionals say that you will need between 70-85% of your pre-retirement income to live comfortably in retirement. Other professionals would say 100%. Use your best estimate based on your personal situation.
Next, determine the extent to which you expect to rely on your TSP account for that income.
Your TSP account may be your main income source or it may be one of several sources that could include a pension, an annuity, an IRA, your Social Security payments, or other savings. You should consider all of your income sources when determining what role your TSP account will have in meeting your retirement needs.
What is my time horizon?
Determine your time horizon, or how many years you'll have before you need to start withdrawing money from your TSP account. For example, if you are 35 years old today and you don't expect to start withdrawing from your TSP account until you are 65 years old, your time horizon is 30 years.
If you have a longer time horizon, you may want to take more risk in your TSP account. Remember, your TSP account will need to provide income for you throughout all of your retirement years.
How much risk am I willing to accept?
Think about the type of investor you are. If you get anxious with every dip in the market, consider an investment that places a higher priority on stability than on the opportunity to achieve significant long-term growth. Keep in mind that losses or gains are not “realized” until your money is withdrawn. Every investment has some ups and downs.
If you are willing to tolerate fluctuations in your account value in exchange for the possibility of higher returns over time, then consider introducing higher volatility funds to your retirement portfolio.
How much risk am I able to accept?
If you are nearing retirement, you should think twice before taking a lot of risk in hopes of earning bigger returns. What happens if the market turns against you just as you are approaching the time that you need to start withdrawing your money? If you've just started your career, you have quite a few years before you'll need the money in your TSP account. You can let time work in your favor, allowing you to bounce back from any losses that you might experience in the short term.
How much diversification do I need?
You've heard it before: Don't put all your eggs in one basket. By diversifying (spreading your money among different investments), you reduce the likelihood that your entire account will be severely affected by dramatic fluctuations in any single asset or fund. Each of the TSP funds is diversified within its particular market segment reducing the risk within each fund. Each of the TSP funds tracks a different segment of the overall financial market without overlapping. Although diversification does not insulate you from losses on particular investments, it can reduce the risk of incurring large losses on your entire portfolio.
(Resource used for this slide: Last accessed on April 1, 2015.)

9. Roth TSP Contributions are after-tax Withdrawals allowed IF:
Five (5) years have passed since Jan 1 of first contribution year, AND
You are 59 ½ or older, permanently disabled, or deceased.
The Roth TSP is slightly different from the traditional TSP.
Roth TSP contributions are after-tax; that is, they are made after taxes are taken out of your paycheck. However, your Roth earnings will not be taxed at withdrawal as long as you meet the following IRS requirements:
Five years have passed since January 1 of the year you made your first Roth contribution AND,
You are age 59 ½ or older, or permanently disabled, or deceased.
You also want to keep in mind:
Roth contributions are subject to Federal (and, where applicable, state and local) income taxes, while traditional contributions are not taxed until withdrawn. However, both Roth contributions and traditional contributions are included in the amount of wages used to calculate payroll taxes (such as Social Security tax).
You would have to pay tax on any pre-tax amount transferred to a Roth IRA.
You can only transfer money in and out of the Roth from other Roth plans. In other words, you cannot convert any portion of your traditional TSP balance to a Roth balance.

10. Individual Funds Fund Description Volatility
5-Year Compound G
Government Securities
Low
2.00% F
Government, Corporate, and Mortgage-backed Bonds
Relatively Low
2.41% C
Stocks of large and medium-sized
U. S. Companies
Moderate
14.83% S
Stocks of small to medium-sized U. S. Companies not included in the C Fund
Moderate to High
14.85% I
International Stocks of developed countries
9.53%
The TSP has two ways for you to invest your money: L Funds or individual funds. We’ll talk about the individual funds first.
There are five individual funds:
The Government Securities Investment (G) Fund is invested in short-term U. S. Treasury securities which gives you the opportunity to earn rates of interest similar to those of long-term Government securities with no risk of loss.
The Fixed Income Index Investment (F) Fund is invested in a bond index fund representing the U. S. Government mortgage-backed, corporate, and foreign sectors of the U. S. bond market. It offers you the opportunity to earn rates of return that exceed money market fund rates over the long term, particularly during periods of declining interest rates. This fund follows the Barclay Capital Bond Index.
The Common Stock Index Investment (C) Fund is invested in a stock index made up of stocks of 500 large to medium-sized U. S. companies. It offers you the potential to ear the higher investment returns associated with equity investments. This fund is tied to the S and P 500.
The Small Capitalization Stock Index (S) Fund is invested in a stock index fund made up of small to medium-sized U. S. companies that are not included in the S&P 500 index. It offers you the opportunity to earn potentially higher investment returns that are associated with “small cap” investments, but with greater volatility. This fund is tied to the Down Jones industrial stocks.
The International Stock Index Investment (I) Fund is invested in a broad international market index of made up of primarily large companies in 22 developed countries. It gives you the opportunity to invest in international stock markets and to gain a global equity exposure in your portfolio. This fund follows the Morgan Stanley EAFE Index.
Resource used for this slide:
Current as of October 2017

11. Lifecycle (L) Funds Fund Description L 2050
5 year returns
L 2050
Time Horizon for use of funds—2045 or later
11.78%
L 2040
Time Horizon for use of funds—between 2035 and 2044
10.72%
L 2030
Time Horizon for use of funds—between 2025 and 2034
9.54%
L 2020
Time Horizon for use of funds—between 2015 and 2024
7.64%
L Income
Funds used currently
4.36%
The TSP also has an alternative to the individual funds: the L Fund option.
The L Funds are “Lifecycle” funds that are invested according to a professionally designed mix of stocks, bonds, and Government securities. You select your L Fund based on your “time horizon,” the future date at which you plan to start withdrawing your money. Depending on you plans, this may be as soon as you leave the military or further in the future. The L Funds are designed for participants who may not have the time, experience, or interest to manage their TSP retirement savings.
Investment Strategy
The L Funds' strategy is to invest in an appropriate mix of the G, F, C, S, and I Funds for a particular time horizon, or target retirement date. The investment mix of each L Fund becomes more conservative as its target date approaches. The Fund's allocation in the G, F, C, S, and I Funds is adjusted quarterly.
The strategy assumes that:
The greater the number of years you have until retirement, the more willing and able you are to tolerate risk (fluctuation) in your TSP account value to pursue higher rates of return.
For a given risk level and time horizon, there is an optimal mix of the G, F, C, S, and I Funds that provides the highest expected return.
L 2050
Who Should Invest
For participants who will begin to withdraw their money after 2045.
Objective
To achieve a high level of growth with a very low emphasis on preservation of assets.
Asset Allocations:
L 2050 will roll into the L Income Fund automatically in July 2050 when its allocation becomes the same as the allocation of L Income Fund.
L 2040
For participants who will withdraw their money beginning 2035 through 2044.
L 2040 will roll into the L Income Fund automatically in July 2040 when its allocation becomes the same as the allocation of L Income Fund.
L 2030
Who Should Invest:
For participants who will withdraw their money beginning 2025 through 2034.
Objective:
L 2030 will roll into the L Income Fund automatically in July 2030 when its allocation becomes the same as the allocation of L Income Fund.
L 2020
For participants who will withdraw their money beginning 2015 through 2024.
To achieve a moderate to high level of growth with a low emphasis on preservation of assets.
L 2020 will roll into the L Income Fund automatically in July 2020 when its allocation becomes the same as the allocation of L Income Fund.
L Income
For participants who are currently withdrawing their TSP accounts in monthly payments.
To achieve a low level of growth with a high emphasis on preservation of assets.
Unlike the other four L Funds, the L Income Fund's asset allocation does not change quarterly. However, like the other Funds, it is rebalanced daily to maintain its target investment mix.
Current as of October 2017

12. L Fund Allocation Targets
For the most up-to-date L Fund asset allocations, visit the TSP website ( Investment Funds section, and choose Fund Options.
Each L Fund invests in a mix of the five individual TSP funds. The mix is chosen by experts based on each fund’s time horizon. The L Funds’ asset allocations are designed to achieve the higher expected rate of return for the amount of risk taken. It is also designed to preserve your account balance while protecting against inflation. Investing in the L Funds does not eliminate risk, and the funds are not guaranteed against loss. The L Funds are subject to the risks inherent in the underlying funds and can have periods of gain and loss.
L 2050, L 2040, L 2030, and L 2020 are for participants with time horizons that fall within the defined date ranges. The asset allocations of these funds are adjusted quarterly, moving to a more conservative mix, gradually approaching that of the L Income Fund. Between quarterly adjustments, the asset allocation of each fund is maintained through daily rebalancing to that fund’s target allocation. When a fund reaches its horizon, it will roll into the L Income Fund.
Over time, the L Funds (except for the L Income Fund) will “roll down” the Efficient Frontier. That means that as their allocations are adjusted each quarter, the funds shift left on the line, becoming less risky until they eventually merge into the L Income Fund.

13. Which Investment Approach?
Professionally determined mix
Lifecycle Fund
Based on Time Horizon
Seeks best asset mix
Review on annual basis
Reallocate mix with age
Or…
You can either invest in the L Funds or you can choose your own investment mix from the G, F, C, S, and I Funds. If you go with the mix approach, keep the following points in mind:
Over a long period of time, the F Fund (bonds) and the C, S, and I Funds (stocks) have higher potential returns than the G Fund (Government Securities). However, stocks and bonds carry the risk of investment losses, which the G Fund does not. On the other hand, investing entirely in the G Fund may not give you the returns you need to keep up with inflation or meet your financial needs.
You need to be comfortable with the amount of risk you expect to take. Your investment comfort zone should allow you to use a long-term strategy so that you are not chasing market returns during upswing, or abandoning your investment strategy during downswings.
You can reduce your overall risk by diversifying your investments. The five individual TSP funds offer a broad range of investment options, including Government securities, bonds, and domestic and foreign stocks. Generally, it’s best not to put “all of your eggs in one basket.”
The amount of risk you can sustain depends upon your investment horizon. The more time you have before you need to withdraw your account, the more risk you may be able to take. This is because early losses can be offset by later gains.
Periodically review your investment choices. Check the distribution of your account balance among the funds to make sure that the mix you chose is still appropriate for your situation. If not, rebalance your account to get the allocation you want. You can rebalance your account by making an inter-fund transfer.
Self-Determined Fund Mix
L Fund

14. How Much Can You Save with the TSP?
20 years from now*
30 years from now*
40 years from now*
If you contribute…
$30 per month
$13,860
$30,135
$59,745
$20,790
$45,200
$89,615
$55,445
$120,540
$238,980
$97,030
$210,950
$418,215
$110,890
$241,085
$477,955
$45 per month
$120 per month
Small contributions to your TSP account can add up big time in the long run!
Let’s assume your TSP has a 6% annual rate of return compounded on a monthly basis. If you can save just $1 per day and contribute $30 per month to your retirement account, in 40 years, you’ll have almost $69K.
By saving $4 per day and contributing $120 per month, you’ll have over a quarter of a million dollars in 40 years.
And if you can find a way to save $8 per day and contribute $240 a month, you can earn almost half a million dollars in 40 years.
Need cost-cutting ideas?
Skip the extras in your coffee like milk and toppings.
For even bigger savings, make your own coffee and tea.
Turn off lights when you leave a room.
Skip a night out with friends and set aside the money you would have spent on your tab.
You’ll save close to $2 every time you skip the individual or restaurant sodas.
At the grocery store, buy generic and use coupons and membership cards.
Make dinner at home and bring leftovers for lunch.
Shop around for cell phone plans.
$210 per month
$240 per month
*All figures assume a 6% annual rate of return compounded monthly 

15. After Your Military Service
Funds can remain in TSP.
Funds can be transferred to an IRA or other eligible plan.
Contributions can be made via transfers.
Funds can be withdrawn.
If your vested account balance is $200 or more after you leave military service, you can leave your money in the TSP until later, or you can withdraw all or a portion of your account. If you leave your money in the TSP after you separate from military service, be sure to keep your address up-to-date so that the TSP can reach you.
Any withdrawal from your account will be made up of a proportional amount of traditional and Roth money.
If your vested account balance is less than $200 when you leave military service, the TSP will automatically send you a check for the amount in your account. The check will be mailed to the address in your TSP account record. You cannot leave this money in the TSP or make any other withdrawal elections.

16. In-Service Withdrawals
Financial hardship or age-based !
Money is not repayable – when it’s gone, it’s gone! !
Age-based withdrawal subject to 20% income tax
In-service withdrawals are withdrawals you make from your TSP account while you are still a member of the uniformed services.
The TSP permits two types of in-service withdrawals: age-based and financial hardship.
You can make an age-based in-service withdrawal anytime after you reach age 59½ as long as you are an active civilian Federal employee or a member of the uniformed services. Age-based withdrawals are subject to mandatory 20% Federal income tax withholding.
You are allowed to take an financial hardship withdrawal under the following circumstances:
Recurring negative monthly cash flow
Medical expenses (including household improvements needed for medical care) that you have not yet paid and that are not covered by insurance
Personal casualty loss(es) that you have not yet paid and that are not covered by insurance
Legal expenses (such as attorneys' fees and court costs) that you have not yet paid for separation or divorce from your spouse
You cannot return or repay the money you remove from your TSP account in a financial hardship withdrawal. You will permanently reduce your retirement savings by the amount of the withdrawal as well as any future earnings you would have accrued on that money.
Your financial hardship withdrawal is subject to Federal income tax and, in some cases, state income tax. If you are younger than 59½, you may have to pay a 10% early withdrawal penalty tax. Any tax-exempt or Roth contributions included in your withdrawal are not subject to Federal income tax; neither are any qualified Roth earnings.
Finally but very importantly, if you take a financial hardship withdrawal, you will not be able to make contributions to your account for six months.  !
Hardship withdrawals also subject to income tax and10% age penalty !
Cannot contribute to TSP for six months afterward

17. Withdrawal Options After age 59 ½ , your withdrawal options include:
Single “Lump Sum” Payment
Series of monthly payments
Annuity
Or—
Leave the money in TSP
Transfer the money to an IRA or an employer’s plan
Withdrawals must begin by age 70 ½ or the year you separate if you’ve reached 70 ½.
There are two types of post-separation withdrawals: Partial withdrawal and full withdrawal.
With a partial withdrawal, you can take out $1,000 or more and leave the remainder in your account until you decide to withdraw it at a later date. You may make only one partial withdrawal from you account. If you made an age-based in-service withdrawal, you are not eligible for a partial withdrawal.
With a full withdrawal, you can choose how your entire account will be distributed using one – or any combination – of three withdrawal options.
A single payment allows you to withdraw your entire TSP account at one time in one payment. It is sometimes referred to as a “lump sum.”
A series of TSP monthly payments allow you to withdraw your entire amount in a series of payment that will be paid to you each month from your TSP account. You can ask for the specific dollar amount each month, or you can have the TSP calculate a monthly payment based on your life expectancy.
An annuity pays a benefit to you (or to your survivor) every month for life. The TSP purchases the annuity on your behalf from a private insurance company. You can have the TSP purchase an annuity with all or any portion of your account balance when you request a full withdrawal. In general, the amount you use for the purchase of an annuity must be $3,500 or more. Once a life annuity is purchased, it cannot be changed.
You can also opt to leave your money in TSP or transfer the money to an IRA or employer’s plan. In any case, you must begin making withdrawals by age 70 ½ .

18. TSP Loan Program General Purpose or Residential
$1,000 – either $10,000 or $50,000 (depending on TSP account balance)
Repayment must begin within 60 days of disbursement
$50 loan fee
Fixed interest rate (G Fund)
If needed, you may also take a loans out on your TSP contributions. Loans are available only to participants who are actively employed, who are in pay status, and who have contributed their own money to the TSP. If you meet the loan eligibility rules and your loan request is approved, the loan amount is removed from your TSP account. You must repay your loan with interest. Repayments for the loan and interest are generally made through payroll deductions. Your repayments restore the amount of your loan, plus interest, to your account.
There are two types of TSP loans:
A general purpose loan, which requires no documentation and has a 1-5 repayment term, or
A loan for the purchase or construction of a primary residence, which requires documentation and has a repayment term of 1-15 years.
You must start paying the loan back within 60 days of disbursement.
The minimum amount you can borrow is $1,000. The maximum loan amount is the smallest of the following:
Your own contributions and earnings on those contributions in the TSP account from which you intend to borrow, not including any outstanding loan balance;
50% of your vested account balance (including any outstanding loan balance) or $10,000, whichever is greater, minus any outstanding loan balance; or
$50,000 minus your highest outstanding loan balance, if any, during the last 12 months. 
The TSP charges a loan fee of $50 for administrative expenses. The TSP deducts the fee from your loan proceeds. For example, if you request a loan for $1,000, the amount paid to you will be $950.
The interest rate on your TSP loan is the G Fund rate at the time your loan application is processed. This rate is fixed for the life of the loan. 

19. TSP Contact Information
Thrift Savings Plan Website:
TSP ThriftLines:
1-TSP-YOU-Frst ( )
1-TSP-Thrift5 ( ) TDD
Personal Financial Counselor at your Military Family Center
You have two ways to contact TSP representatives; online or by phone.
The TSP website is Here, you can set up and manage your TSP account, view fund information, download helpful forms and publications, and find free retirement planning tools and calculators.
2. You can also contact TSP by phone. The ThriftLine Automated Response System is available 24 hours a day, 7 days a week. You can use the ThriftLine to find out the latest information about the TSP (such as share prices and rates of return). You can also get information about your TSP account and request certain account transactions. You will need your TSP account number and your 4-digit TSP Personal Identification Number (PIN) in order to access your account through ThriftLine.
If you need live assistance, Participant Service Representatives are available on the ThriftLine Monday to Friday from 7:00 a.m. to 9:00 p.m. Eastern time. Press 3 to speak to a Participant Service Representative (PSR) when calling the ThriftLine. PSRs handle questions about loans, contribution allocations, inter-fund transfers, designations of beneficiaries, and withdrawals.
From the 50 States, including the District of Columbia, the Virgin Islands, Puerto Rico, Guam, American Samoa, and Canada, ThriftLine has these toll free numbers:
Telephone:
1-TSP-YOU-FRST
( )
TDD:
1-TSP-THRIFT5
( )
(for hearing-impaired participants)
International callers who cannot use the toll-free number should call (404) (not toll free).
You can also contact a Personal Financial Counselor at your Military Family Center for more information.
{Note to speaker: If you have handouts with you or at your table, briefly mention them here.}

20. Summary Questions? Thrift Savings Plan overview
Enrollment and participation
Contributions
Roth TSP
Investment funds and options
Withdrawals and loans
Resources
Thank you for giving me the opportunity to provide you with a brief overview of the Thrift Savings Plan.
Does anyone have any questions?
Questions?

21. Conclusion
This is the end of the presentation. Thank you for being here today. I hope we gave you some helpful information.
{Note to speaker: tell your audience where you will be located and how long you will be on site.}