Your TSP agency match is always deposited pre-tax. Here’s the in-plan conversion strategy that lets you move it to Roth systematically.
There’s no setting inside Thrift Savings Plan that lets you automatically route agency matching contributions into your Roth balance.
In this video, financial planner John Mason breaks down how federal employees can use TSP in-plan Roth conversions to shift that pre-tax match into Roth over time, along with the rules, limits, and tax planning considerations that come with it. We cover the 2026 TSP contribution limits, how in-plan conversions work across your different contribution sources, RMD requirements, and the situations where a Roth conversion strategy tends to make the most sense (and where it doesn’t).
Timestamps:
0:00 – TSP agency match to Roth: is it possible?
0:25 – How FERS agency matching contributions work
0:59 – 2026 TSP contribution limits
1:35 – TSP in-plan conversion rules ($500 minimum)
2:00 – How conversions apply across your contribution sources
2:55 – RMD requirements and tax withholding on conversions
3:39 – Building a small, frequent conversion strategy
4:09 – Updating your W-4 for the added tax liability
4:24 – Who this strategy makes sense for
4:47 – Tax credits to watch before converting
5:31 – Life events that can make a conversion year worth it
Resources:
Schedule an Intro Call: https://www.masonllc.net/get-started
Download our eBook, Federal Employee Guide to Survivor Benefits: https://www.masonllc.net/federal-empl…
Listen to the Federal Employee Financial Planning Podcast: 
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Newsletter signup: https://www.masonllc.net
About Mason & Associates: Mason & Associates is an independent, fee-only financial planning firm specializing in federal employee benefits, including FERS, CSRS, and TSP. We help federal employees understand their benefits and build a retirement and tax plan around them.
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Website: https://www.masonllc.net
Investment advisory services offered through Mason & Associates, LLC. The content of this video is for general educational and informational purposes only and should not be considered specific investment, financial planning, tax planning, legal, or other professional advice.
