An independent educational resource for federal employees

Who we are

MyFederalFuture is operated by SageByte LLC, a private marketing and education company. That's the whole of it. We are not a government agency, not a financial firm, and not part of the TSP.

We exist because there's a gap. Federal employees get taught, thoroughly, how to contribute to the TSP. Far less attention gets paid to what happens to it on the day you stop — and that's the day the decisions actually get made.

Why we focus on federal employees

Because the shape of the problem is unusually clear, and unusually under-served.

• You have a known date. Most Americans guess at when they'll retire. You can usually see yours coming years out. That runway is an advantage — if it gets used.
• Your retirement has three pieces. Under FERS: a pension, Social Security, and your TSP. The first two are largely decided for you by formula and by law.
• The TSP is the piece you choose. It's the one with real optionality, real trade-offs, and the least guidance attached to it. So it's the one we write about.

What we do

Three things, and nothing beyond them:

• Education. Plain-English writing about the five options for your TSP at retirement, the FERS income gap, and the questions worth asking — free, with no email required to read any of it.
• A framework. The TSP Secure Path is our way of walking through the decision in order, so nothing gets skipped. It's a way of organising a decision, not a product.
• An introduction, if you want one. If you'd like to talk it through with a licensed professional, we'll make the introduction. If you'd rather just read and get on with your life, that's a completely fine outcome and costs you nothing.

What we don't do

This list matters more than the one above it.

• We don't sell financial products. There is nothing to buy on this site.
• We don't give advice. Not financial, not tax, not legal, not investment. Everything here is general education.
• We're not licensed. MyFederalFuture is not a licensed insurance producer, not a broker-dealer, and not a registered investment adviser.
• We don't work for or speak for the government. Not the TSP, not the FRTIB, not OPM, not any agency. For official rules and current figures, the authority is tsp.gov — when they disagree with us, they're right.
• We won't tell you what to choose. We'll tell you what the choices are and what each one costs you. The decision is yours.

How we're paid

Plainly, because you should be able to weigh it: the licensed professional pays us a referral fee.

If you ask to speak with someone, we introduce you to a state-licensed insurance professional who works with federal employees. They are independent of us. They pay MyFederalFuture a fee for that introduction. You are never charged, and you are never under any obligation — not to take the call, not to stay on it, not to do anything at the end of it.

We put that on every page rather than in a footnote, for a simple reason. The single most useful question you can ask anyone in this space is how do you get paid? It would be strange to recommend that question and then dodge it ourselves.

Our standards

• Plain English. If a sentence needs a glossary, it needs rewriting.
• All five options, every time. Including leaving your money in the TSP, which is a legitimate choice and often a sound one. A conversation that quietly skips an option isn't education.
• No pressure and no fake urgency. No countdown timers, no "rates change Friday", no manufactured deadlines. Your retirement date is the only real deadline here.
• No invented proof. We don't publish customer counts, testimonials, press logos, or statistics we can't stand behind. If you've noticed this site is light on badges, that's why.
• Honest about incentives. Ours are disclosed on every page. Ask everyone else the same question.