CSE Capital Managment and Insurance Services, Inc

03/26/2026

10 Thrift Savings Plan Mistakes that Federal Employees Should Avoid!

1. Opting out of the automatic TSP enrollment: Newly hired Federal employees are automatically enrolled in the TSP with 5 percent of their biweekly salary automatically deducted and contributed to the TSP starting with their first pay period in federal service. By contributing 5 percent of their salary, the employee receives from his or her agency a maximum TSP contribution match of 4 percent. A newly hired employee has the option to opt out of the automatic TSP enrollment. Opting out of the TSP is a mistake on a newly hired employee’s part and not a prudent financial move. This is because the earlier an employee starts contributing to the TSP, the longer the TSP money has to grow, tax-deferred for the traditional TSP and tax-free for the Roth TSP.

#2 tomorrow

11/11/2025

Check us out on the web: www.csecapitalmgt.com! We do NOT charge the employees for assistance!

10/13/2025

TSP Catch-Up Contributions to Roth Account for High-earning Employees. Beginning in 2026, if your wages in the previous calendar year were above $145,000, the eligible catch-up contributions you make will need to go into your Roth TSP account. This is forcing high earners to save more tax free monies and creating more revenue to the gov't. You always have to ask "what's the catch" with gov't changes imo. Forcing more income taxes while at a higher tax bracket. hmmmm. Give us a call today if you want to know more about how this affects you!

10/13/2025

Starting in January 2026, you'll be able to convert money from your traditional (pre-tax) balance to your Roth (after-tax) balance within your TSP account. This process is called a Roth in-plan conversion. Could cause for an accounting nightmare in the begining stages but still a great option. Give us a call today if you want to know more about making tax free monies.

09/09/2025

https://justinheatherly1.easywebinar.live/registration

Justin Heatherly is the President of CSE Capital Management, Federal Benefits Specialist, and Investment Advisor Representative.

08/30/2025

You may be ready to retire but is your money ready?
Call us today to receive a financial plan with the help of a certified federal benefit specialist at the CSE Capital Management & Insurance Services, Inc .

We have been working with all types of Federal Employees and their families, across the U.S. for over 20 yrs.

08/30/2025

Thank you for coming to our page! We specialize in providing Federal Employees retirement and financial education to maximize their benefits. We believe having a detailed Retirement Income plan and proper Portfolio Management are essential tools to help create a secure retirement!