The options for TSP distribution that the government gives you are not only limited and can carry major negative implications but they also are from private providers, not the government, just like the rest of your benefits.
The TSP is the only privately managed funds in the country that has restrictions once a participant turns 59.5. So, why would you limit yourself to those options that carry restrictions? Regardless of what those restrictions are, there should be zero! Even if you allocated yourself in the exact same funds that the TSP funds track then you would be doing the same thing as you were while in the TSP but without any restrictions or negative implications. So if the most basic plan you could do is that, then why would it not be worth looking into that or something customized?
FEFA not only manages money internally but also works with the same providers TSP does for distribution, along with 58 other companies. If you like, a FEFA rep will walk you through your situation and ask questions necessary to customize a comprehensive financial framework for you. If you like that framework, then you can choose to work with Team FEFA but if not, then we will still be happy to help you with the retirement process. However, at no time will you feel pressure to work with us. You do not become the biggest company in the industry using exclusively word of mouth marketing by bothering people.