Bestselling Author and Retirement Expert, Dale McGregor, explains why he began specializing in federal employee benefits more than a decade ago—and why this group desperately needs clear retirement guidance. He breaks down the Thrift Savings Plan, its five simple fund options, government matching rules, lifecycle funds, and key differences from traditional 401(k)s. Dale also warns about upcoming Roth conversion changes, distribution limitations, and traps that can lock employees into irreversible mistakes.