When you enrolled in the TSP, you made one of the most important financial decisions of your military career. Most service members made it in about 30 seconds, and never revisited it. Here's what the Roth vs. Traditional decision actually means, and how to know which one is right for you.

An inheritance transfers money. A legacy transfers values, habits, and opportunity. 

Most families with meaningful assets focus heavily on the first; who gets what, and how the taxes work. Far fewer have done the hard work of preparing the next generation to use what they’ll receive, or of communicating the priorities that shaped the plan. The result is well-documented: a substantial share of inherited wealth is gone within just two generations. 

Building lasting, inter-generational wealth isn’t just a legal and financial challenge. It’s a communication and preparation challenge.