Federal benefits carry real value. A Federal Employees Retirement System (FERS) pension, Thrift Savings Plan (TSP), and Social Security together form a strong retirement foundation, but taxes determine how much…
Dan and Katelyn break down how healthcare access can impact retirement decisions and how high-earning federal employees can still utilize Roth strategies despite income limits.
Ask most federal employees when they plan to retire, and they'll give you a year. Ask them which ages matter before that year, however, and the conversation suddenly stalls out.…
In this episode, Ed and Dan explain recent changes to the State and Local Tax (SALT) deduction following the passage of the One Big Beautiful Bill Act of 2025. The…
Most federal employees and retirees receive various types of income that are not subject to mandatory federal income tax withholding. Among these income-types are interest, dividend and capital gain income,…
Many of our Feds build retirement portfolios heavily around U.S. stocks, often through the Thrift Savings Plan (TSP) C Fund. That approach has worked well, but it creates concentration risk.…
Dan and Katelyn discuss how recent tax law changes affect federal retirement planning and what federal employees should understand before taking a hardship withdrawal from their TSP.
Your pension is steady. Your tax picture can shift from year to year. Withholding too little may lead to a tax bill in the spring and possibly penalties. Withholding too…
Effective January 1,2018 following the passage of the Tax Cuts and Jobs Act of 2017 (TCJA), individual federal marginal tax rates were reduced to the lowest rates in the 100-year…