TVA employees are covered by TVARS, TVA's own retirement system, rather than the federal FERS system and the Thrift Savings Plan. TVARS has more than one benefit structure, depending largely on when you were hired, and the TVA 401(k) sits alongside it.
vIEW CASE STUDY
Retirement brings permanent choices about how your TVARS benefit is paid, including options that protect a surviving spouse. We compare each election's lifetime income, survivor protection and tax effect against your whole plan before you sign.
vIEW CASE STUDY
At retirement you can usually leave your TVA 401(k) in the plan, roll it to an IRA or take withdrawals. We compare costs, investment choices, withdrawal flexibility and taxes.
Healthcare before Medicare and at 65 is a major cost. We include retiree coverage options, Medicare timing and IRMAA thresholds in your cash flow.
Tennessee does not tax pension or 401(k) income. TVA retirees living in Georgia can use Georgia's retirement income exclusion from age 62. We plan withdrawals around your state of residence. Integra Wealth is not affiliated with TVA or TVARS. Benefit details are confirmed from each client's official plan documents.
