Independence Benefits

It’s National Pizza Day and we hope you are celebrating🍕
Here’s your reminder that retirement income works best when it’s “built in layers.”
Pension + Social Security + TSP = kind of like crust, sauce, and toppings.
You don’t want to rely on just one ingredient.
The goal is balance — steady income + flexibility + confidence.
If you’re not sure how your layers fit together, it might be time for a quick check-in.

TSP withdrawals sound simple until you start looking at the details.
Taxes, penalties, timing, monthly income needs, RMDs later on… it adds up fast.
One of the biggest mistakes I see is people pulling money without a clear plan, then getting surprised at tax time.
The goal isn’t to be “perfect” — it’s to make choices you understand and feel good about.
Book an Appointment: https://retire.independencebenefits.com/consultation

Having a retirement goal is great… but the real question is:
What needs to be true financially for that goal to work?
Some people pick age 60. Some pick 62. Some are aiming for 57 with a plan.
There’s no “right” number — there’s only what works for your income needs and benefits timeline.
Retirement is really just a math + timing problem.
And once you see the numbers clearly, the decision gets way easier.
The goal isn’t perfection — it’s having a plan you can trust.

Book an Appointment: https://retire.independencebenefits.com/consultation

We’re kicking off 2026 with a brand-new educational webinar all about TSP Roth Conversions — one of the most misunderstood (and often misused) retirement strategies for federal employees.

👉 TSP Roth Conversion: Rules, Taxes & Strategic Considerations
📅 January 14, 2026
⏰ 12:00 PM EST & 5:30 PM EST
💻 Live 45-minute webinar + Q&A

We’ll break down:
✅ When a Roth conversion may make sense — and when it doesn’t
✅ The IRS + TSP rules you need to know
✅ Tax implications most people overlook
✅ Common mistakes we see federal employees make

Link to Register in comments!

One of the biggest retirement questions wehear is:

“Should I take Social Security early or wait?”

The answer really depends on your situation — not just your age. This article breaks down the key things to think about before deciding.

Check it out 👇

When Should You Start Social Security? - Independence Benefits A Practical Way to Think It Through