TSP Audit Checklist

[ ] Verify the 5% Floor: Ensure you are contributing at least 5% of your basic pay to capture the full 4% agency match and 1% automatic contribution. Don't leave free money on the table.
[ ] Recalculate Your Paycheck Math: If you want to hit the new 2026 limit of $24,500 exactly over 26 pay periods, update your payroll deduction to $943 per paycheck.
[ ] Check Catch-Up Eligibility: If you are age 50 or older (or will turn 50 this year), are you utilizing the standard $8,000 catch-up? If you are between 60 and 63, are you utilizing the $11,250 "Super Catch-Up"?

[ ] The High-Earner Rule: If your 2025 wages were over $150,000, confirm that your 2026 catch-up contributions are being routed to the Roth TSP (as now required by the IRS).
[ ] Evaluate In-Plan Conversions: Look at your current Traditional TSP balance and determine if initiating an In-Plan Roth Conversion makes sense for your tax bracket this year.
[ ] Check Your Tax Bucket Mix: Are you actively splitting your contributions between Traditional (pre-tax) and Roth (after-tax) to give yourself "tax flexibility" in retirement?

[ ] Review Your Asset Allocation: Are you too conservative for your age? Use the rule of thumb ( $120 - \text{Your Age}$ ) to see if your exposure to the C, S, and I stock funds matches your timeline.
[ ] The Lifecycle (L) Fund Check: If you are in an L Fund, does it still match your personal tolerance for risk? Or has it shifted too conservatively, too quickly for your liking?
[ ] Rebalance Your Portfolio: If market shifts over the last year have left you too heavy in one sector, reset your target allocations to smooth out your ride.

[ ] Verify Your Beneficiaries: Life changes (marriage, divorce, births). Log into your TSP account and ensure your Form TSP-3 (Designation of Beneficiary) is completely up-to-date. (Remember, your Will does not override your TSP beneficiary designations!).
[ ] Consolidate Old Accounts: Do you have orphan 401(k)s or 403(b)s sitting with old employers? Consider rolling them into your current TSP to keep your investment tracking simple and your fees low.