Are In-Plan conversions for the TSP good news? Recently, the Federal Retirement Thrift Investment Board (FRTIB) announced that In-plan Roth conversions for the TSP are coming in 2026. What they are suggesting is that one can take their Traditional TSP monies and,...

Why We Exist - Mission Statement:“Charles Michael Financial LLC is offering principled guidance and practical education which provides financial CONFIDENCE and builds RESILIENCY to outside interference during the walk toward peace and purpose.”Why we exist is a great...

Splitting Your TSP

TSP Rollovers

Advantages to a Thrift Savings Plan Rollover Here are some common advantages to a Thrift Savings Plan rollover. These apply to rollovers from a qualified plan - like the TSP or a 401k - to an Individual Retirement Arrangement/Account (IRA). By no means is this an...

A Health Savings Account (HSA) can be a game-changer. Here’s how to armor up against 2 HSA disadvantages. A Health Savings Account (HSA) is a powerful financial tool that offers significant tax advantages for those with High-Deductible Health Plans (HDHPs). Here's a...

As we embrace November here in the Carolinas, we find ourselves surrounded by the beauty of Fall, with its crisp air and stunning foliage. This month brings a delightful blend of friends, family, football and the anticipation of Thanksgiving! It's the perfect time to...

A Health Savings Account (HSA) could be a game-changer for You and Yours - so kindly pay attention.   Benefits of HSAs are hard to deny. Admittedly, I missed the boat on this for quite some time during my federal career. And it cost me tens of thousands, if not...

Welcome to Fall - an absolutely gorgeous time here in the Carolinas, full of Friends, Football, and Pumpkin Pie! October marks a great time of the year to slow down and take a trip to the mountains if you can. It's also a good time for us to brew-up a hot cup of...