Our Promise

In 2013 we set out on a journey to build a different kind of financial newsletter. One that not only gives financial guidance but educates TSP members on issues and questions they cannot get the answers to anywhere else. We are not a financial institution and I am not a financial advisor. We run a small financial newsletter that monetizes respectfully while prioritizing our customers over making a few extra dollars. We believe our duty is to help you build your retirement portfolio or at the very least save you from losing money. If we are not doing one of those two things then we have not upheld our standard and will gladly part as friends. Our firm belief is that integrity builds families, businesses, and organizations. At no time will this newsletter compromise its integrity!

We have been pouring our hearts into this TSP Newsletter and sincerely hope you find the information valuable. We hope you enjoy reading them as much as we’ve enjoyed producing them.

If you’re here and still not sure about paying for a newsletter we understand completely. Take some time and look at some of the educational articles we’ve published for free. While we would love your business, the main thing we want is for you to leave this website with a better understanding of the Thrift Savings Plan.

Please feel free to contact me personally at marvin@brickbybrickinvesting.com and tell us what you want to see in the future or even if it’s just to say hello.



  • richard stone

    Reply Reply June 21, 2015

    as a new subscriber I am catching up on the older issues – I note that S&P went below your trend line in 2010 and 2011 – I am sure your have back tested – would there have been a sell alert at that time or did you stay in the market.

    I have always used 7 1/2 % from the high as my sell point – in some cases I have struggled to determine when to get back in

    • Admin

      Reply Reply June 21, 2015

      There would not have been a sell alert during that time frame.

  • richard stone

    Reply Reply July 1, 2015

    When are m monthly newsletters published. Ie. First Monday, weekend etc

    • Admin

      Reply Reply July 1, 2015

      Good morning Richard

      The newsletter comes out on the 1st of every month! You should receive it in your inbox here shortly. =)

  • Charmaine Knighton

    Reply Reply November 2, 2015

    Hello, I am considering subscribing to your newsletter. I am currently retired and invest my funds into L fund. I was considering putting my funds in an outside financial company. However,their fees are twice the amount I pay TSP. How do you give advice to those of us in retirement?

    • Admin

      Reply Reply November 4, 2015

      Good afternoon

      Unfortunately we cannot give specific investment advice as we are not licensed financial advisors. However, our newsletters offer monthly recommendations regarding the long term trend of the market, current market conditions, and investment education. Everyone’s situation is different and unique, we would assume in retirement you are looking for income instead of growth but again that is a huge assumption on our part. In order to give you any legitimate input we would need to know more about your personal situation.

  • Laure

    Reply Reply November 12, 2015

    I am interested in your newsletter, and saw mentioned that it can be tried for a month without cost? How do I do that? Thanks.

    • Admin

      Reply Reply November 13, 2015

      Good evening

      Simply sign up for our newsletter by scrolling to the bottom of our homepage. If at any time during the trial period you are not satisfied or feel our newsletter is not for you. Then cancel by following the steps outlined via the link below:


      We will refund your money right away no questions asked, no hassle.

      Please let us know if you have any other questions.

  • Jim

    Reply Reply December 4, 2015

    In October 2015 would you have recommended to get back into he Stock portion of TSP?

    • Admin

      Reply Reply December 5, 2015

      That information is only available to our subscribers. But the current stock market conditions are very emotional for investors. In our newsletter we calm those emotions with detailed analysis and education.

  • Jonathan

    Reply Reply December 16, 2015

    I am interested in your services, do you have an email addressed where I can email some detail of my current situation?

  • Esther

    Reply Reply December 17, 2015

    This is a great website! I wish I had known about it sooner. Mine is a somewhat general question. My husband is active duty Navy (E-5) but plans to separate in late 2017 after 11 years. We contribute 8% to TSP, in the past to the regular TSP and in 2015 only to Roth TSP. We have two small children so I only work part-time but plan to seek full-time employment after our youngest starts school in a few years. When my husband gets out, he will likely make a higher salary than what he does now and of course all of it will be taxable. Basically, I have been figuring that in 3-5 years our income will double and we will be in a higher tax bracket so it’s smarter to invest in the Roth now while we are in the lower bracket. Then later when he gets out we can leave the TSP balances to accrue until retirement age or roll over his regular TSP balance to an IRA and contribute to that for a tax deduction. Am I correct in my thinking or do you see flaws?

    • Admin

      Reply Reply December 18, 2015

      Thank you for the kind words Esther! We really appreciate it. First and foremost we cannot give specific investment advice as we are not financial advisors. However we can give some general guidelines in regards to personal finance.

      Your thought process is right on track:
      1. A Roth TSP will alleviate your tax burden as you and your husband move into retirement.
      2. In regards to rolling over your TSP to an IRA and contributing for a tax deduction…

      That is a great thought but remember when you and your husband start working full time as civilians you will likely qualify for a 401k through your employer. A traditional 401k will allow you to contribute for a tax deduction. As a general rule of thumb we like to see individuals maxing out their 401ks before considering an IRA. Typically an employer will offer you some sort of matching while an IRA will not. Additionally, you have to remember the Thrift Savings Plan has lowest fees I have seen to date for its members. We would not look to rollover our TSP into an IRA unless we planned to actively manage those funds.

      Does this help? Please let us know and if you have anymore questions please shoot them our way! Enjoy your weekend!

      • Esther

        Reply Reply December 19, 2015

        Yes, this is quite helpful! Thank you and happy holidays.

  • Rick

    Reply Reply January 30, 2016

    Do you provided insight into the allocation of existing investment as well as which funds would be good to buy?

    Also, do you provide recommendations on how to transition existing allocations to more favorable ones?

    • Marvin

      Reply Reply January 30, 2016

      Unfortunately we cannot give specific investment advice but we provide clear recommendations every month. Additionally we provide current market conditions and investment education.

      If you are looking to change existing allocations you simply need to make an Interfund Transfer (IFT)

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