Take Command of Your TSP Strategy
Helping Wright-Patt personnel make smarter Thrift Savings Plan decisions, backed by 50+ years of trusted, fiduciary guidance.
✓ Over 50+ Years Serving Individuals & Families
✓ Local, Independent, Personalized Planning
✓ In-House Team of Professionals
Free TSP Strategy Review
(No cost, no obligation, 60 minute review)
Here For You
Supporting the Men and Women Who Serve at Wright-Patt
As a locally owned, independent firm just minutes from Wright-Patt, we understand the unique needs of government employees and military families. You’ve spent a career serving your country, we’re here to serve you.
Our financial advisors help base personnel navigate:
- TSP allocations during uncertain market conditions
- Military service credit deposits and buyback strategies
- FERS/military retirement coordination
- Special provisions for Air Force Research Laboratory employees
- Transitions between military and civilian federal service
No matter your rank, role, or retirement path, we’ll help you align your TSP with your future.
Your TSP Deserves a Strategy
The Thrift Savings Plan (TSP) offers powerful retirement-building, but without proper guidance, investors are left guessing what elections to make. We help you take the guesswork out of investment selection, contribution type & percentage, and withdrawal planning so your TSP works as hard as you do.
Guidance You Can Trust
Why Choose James Investment
Specialized Federal Benefits Knowledge
Our advisors undergo training specific to federal benefits systems and TSP management strategies. We stay current with all TSP program changes that affect Wright-Patt personnel.
Fiduciary Standard
Unlike many financial advisors, we are not paid on commissions. As a registered investment advisor, we are required to act in your best interest. Your TSP strategy should benefit you, not your advisor.
Optimize TSP Fund Allocations
We provide customized allocation recommendations based on your specific federal service history, retirement timeline, and risk tolerance – not generic advice designed for private-sector employees.
Ongoing Support and Monitoring
Markets change. Policies change. Your life changes. We provide quarterly reviews to ensure your TSP strategy evolves accordingly, with access to your advisor between formal reviews. We don’t just give advice; we stay with you every step of the way.
YEARS
EXPERIENCE
FEE-ONLY
ADVISORS
PROPRIETARY
MUTUAL FUNDS
INDEPENDENT
RESEARCH
Service, Leadership, and Research at Our Core
Our founder, Dr. Francis E. James, Jr. served 22 years as a decorated U.S. Air Force Colonel, flying over 50 missions in Korea and serving during Vietnam and the Cold War. He earned the Air Medal and Distinguished Flying Cross for valor in combat, including manual release of a live bomb mid-flight. His statistical analysis in Vietnam was reviewed by top defense leadership daily, helping inform national decision-making. His disciplined, research-driven approach later became the foundation of James Investment Research.
FAQs
Common Questions We Help Answer
How should I allocate my TSP investments based on my career stage?
Your TSP allocation should reflect your time horizon to retirement and risk tolerance. For example, early-career individuals may benefit from a more growth-oriented mix, while those nearing retirement often shift toward stability and income preservation. We help tailor your allocation to your unique federal career path, so your investments stay aligned with your goals.
What’s the right mix of G, F, C, S, and I Funds for me?
There’s no one-size-fits-all fund mix. Each fund serves a different purpose, from the safety of the G Fund to the growth potential of the C, S, and I Funds. We analyze your retirement timeline, risk profile, and other benefits to help build a diversified mix designed specifically for your needs.
Should I contribute to Roth TSP or Traditional?
The choice depends on your current tax bracket and what you expect in retirement. Roth contributions are taxed now but grow tax-free. Traditional contributions reduce taxable income today but are taxed in retirement. We help you evaluate both options based on your personal income strategy and long-term tax planning.
What happens to my TSP if I leave federal service?
Your TSP stays with you even if you leave government service. You can keep it in the plan, roll it over into another retirement account, or begin withdrawals (subject to age and tax rules). We walk you through the pros and cons of each option to make sure your TSP continues working for you.
How does TSP fit into my broader retirement strategy?
TSP is just one part of your retirement income puzzle. Coordinating it with FERS, CSRS, military retirement, Social Security, and other savings is key to optimizing income and minimizing taxes. We help you create a cohesive plan that brings all your retirement pieces together, including your TSP.
Let Us Help Create a Retirement Strategy You Can Rely On
Schedule your complimentary TSP strategy session with a James Investment financial planner.
Our no-obligation consultation includes:
- Analysis of your current TSP allocation
- Review of contribution levels and tax strategies
- Coordination with your FERS or military retirement benefits
- Custom recommendations for your specific federal career stage
- Flexible appointments available in person, by phone, or video
