Designing resilient strategies for TSPs, IRAs, 401(k)s, 403(b)s, annuities, and more—focused on steady growth, lifetime income, and reduced risk.
TLP Financial
Federal Employees: Optimize Your Retirement Income Before Making a TSP Decision
Get started with our owner, Tommy Padgett
Tommy has always been passionate about helping Federal individuals improve their retirement benefits & TSP options. Tommy’s uncle worked as a postal worker for 32 years, and once he was ready to retire, Tommy helped him by writing his TSP and retirement plan.
Tommy has also always been fascinated by the financial world. He utilizes his Life, Health, Medicare, and Long-Term Care license as well as with license to assist clients in retirement planning, wealth preservation, Medicare strategies, fixed indexed annuities, pension maximization, and life insurance. Tommy is a fiduciary who strives to do the right thing at all times for his clients. He is willing to meet with clients any day or night to make sure they are properly cared for.
Tommy is engaged and has a 21 year old daughter who is one year away from graduating from the University of North Carolina. His family is extremely important to him and he loves spending as much time as he possibly can with them. In his free time, Tommy enjoys golfing and traveling! Many people are surprised to find out that he represented the USA golf team in Montpelier, France for the 1990 World Games.
TSP & FERS
We'll help you understand how your Thrift Savings Plan (TSP) and FERS pension work together as the foundation of your retirement income. We evaluate how your TSP is positioned for long-term growth alongside your FERS pension benefits to ensure both are working in harmony. This process helps identify opportunities to strengthen stability, improve efficiency, and create a more confident path toward retirement.
Social Security & FEGLI
A federal employee review examines how Social Security and FEGLI fit into your overall retirement plan. We help you determine the most effective time to claim Social Security and how it works alongside your FERS pension and TSP. We also review your FEGLI coverage to see if it still meets your needs or if adjustments could reduce unnecessary costs. The goal is to align these benefits to support a more efficient and confident retirement strategy.