This bill, known as the FORWARD Act, aims to expand retirement savings opportunities for certain former members of the uniformed services. It amends title 5, United States Code, to allow individuals who are either receiving retired pay or are 100 percent disabled to continue contributing to the Thrift Savings Plan (TSP) after separating from service. Specifically, eligible individuals can elect to contribute a portion of their retired pay or disability compensation to the TSP, provided they had an existing TSP account before their separation from uniformed service or civil service. While they gain this continued contribution ability, they will not be eligible for any government matching contributions to their TSP accounts under this provision. The Federal Retirement Thrift Investment Board, in coordination with the Department of Defense and Department of Veterans Affairs, is mandated to issue regulations within 180 days to implement these changes.