https://stwserve.com/commuting-costs-and-timing-a-feds-guide-to-moving-smart/ 2026-04-01T15:33:02+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Commuting_Costs_and_Timing.jpg Commuting_Costs_and_Timing https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/closing-the-mra-to-62-years-gap-fers-supplement-alternatives/ 2026-04-01T15:08:47+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Closing_the_MRA-to-62-Years_Gap.jpg Closing_the_MRA-to-62-Years_Gap https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/ira-rmd-deadline-2026-first-withdrawal-due-april-1-for-age-73-retirees/ 2026-04-01T15:00:08+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/IRA_RMD_Deadline_2026.png IRA_RMD_Deadline_2026 https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/how-the-obbba-tax-law-changes-the-mortgage-interest-deduction-for-federal-employees/ 2026-03-27T18:45:33+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/How_the_OBBBA_Tax_Law_Changes_Mortgage_Interest_Deduction.jpg How_the_OBBBA_Tax_Law_Changes_Mortgage_Interest_Deduction https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/the-fed15-podcast-ep-143-hsas-for-federal-employees-what-to-do-if-your-retirement-check-is-delayed/ 2026-03-27T15:05:32+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg Untitled design https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/w4pFXETyWuk https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 143: HSAs for Federal Employees + What to Do If Your Retirement Check Is Delayed Dan and Katelyn discuss two practical issues federal employees and retirees should understand: using a Health Savings Account (HSA) as part of a retirement strategy and what to do if your first federal retirement payment is delayed. HSA for federal employees https://stwserve.com/the-roth-ira-backdoor-for-high-earning-feds-2026-basics/ 2026-03-09T20:27:29+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/Roth_IRA_Backdoor_for_High_Earning_Feds_2026_Basics.jpg Roth_IRA_Backdoor_for_High_Earning_Feds_2026_Basics https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/retiring-outside-cities-how-2026-rural-health-changes-affect-you/ 2026-03-09T20:15:14+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/Retiring_Outside_Cities.jpg Retiring_Outside_Cities https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/two-approaching-deadlines-facing-some-federal-employees-and-retirees/ 2026-03-20T14:53:27+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/Two_Approaching_Deadlines_Facing_Some_Feds.jpg Two_Approaching_Deadlines_Facing_Some_Feds https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/the-fed15-podcast-ep-142-roth-tsp-conversions-explained-rethinking-your-retirement-number/ 2026-03-27T12:52:41+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg Untitled design https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/9LvEuX342KA https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 142: Roth TSP Conversions Explained + Rethinking Your Retirement Number Dan and Katelyn discuss how federal employees can think more strategically about Roth TSP conversions and determining how much they actually need to retire. Roth TSP in plan conversion https://stwserve.com/after-obbba-do-todays-tax-rates-change-your-retirement-plan/ 2026-03-20T16:04:19+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/After_OBBBA.jpg After_OBBBA https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/rifs-in-2026-your-rights-appeals-and-smart-next-steps/ 2026-03-09T19:47:47+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/RIFs_in_2026.jpg RIFs_in_2026 https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/tsp-hardship-withdrawal-minimizing-the-hit-to-your-retirement-savings/ 2026-03-09T19:10:59+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/TSP_Hardship_Withdrawal.jpg TSP_Hardship_Withdrawal https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/retirement-pay-delayed-steps-to-escalate-and-stay-solvent/ 2026-03-11T19:02:33+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/Retirement_Pay_Delayed.jpg Retirement_Pay_Delayed https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/the-fed15-podcast-ep-141-social-security-changes-in-2026-when-federal-employees-should-claim-benefits/ 2026-03-26T17:35:05+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg Untitled design https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/Nolsnb9QXts https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 141: Social Security Changes in 2026 + When Federal Employees Should Claim Benefits In this episode, and Katelyn discuss upcoming Social Security updates for 2026 and how federal employees can think strategically about when to claim benefits. Social Security 2026 changes https://stwserve.com/what-obbba-means-for-your-2025-taxes/ 2026-03-11T13:56:01+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/What_OBBBA_means_for_your_2025_taxes.jpg What_OBBBA_means_for_your_2025_taxes https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/when-the-g-fund-shines-and-when-it-holds-you-back/ 2026-03-09T16:20:04+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/When_The_G_Fund_Shines.jpg When_The_G_Fund_Shines https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/salt-deduction-changes-how-the-40000-cap-impacts-high-income-feds/ 2026-03-11T13:53:45+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/SALT_Deduction_Changes.jpg SALT_Deduction_Changes https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/the-fed15-podcast-ep-140-understanding-irs-form-5498-navigating-coverage-for-gender-affirming-care/ 2026-03-26T17:34:04+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg Untitled design https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/6RR87fVH9Us https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 140 Understanding IRS Form 5498 + Navigating Coverage for Gender-Affirming Care In this episode, Dan and Katelyn delve into IRS form 5498 highlighting its purpose, when to expect it, and key considerations. They also explore how federal health plans may handle gender-affirming care coverage, and how to navigate that process IRS Form 5498 https://stwserve.com/opening-an-hsa-before-retirement-positive-tax-play-or-potential-pitfall/ 2026-03-11T13:40:16+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/Opening_An_HSA_Before_Retirement.jpg Opening_An_HSA_Before_Retirement https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/fedlife-podcast-ep-161-roth-tsp-in-plan-conversions-what-federal-employees-need-to-know/ 2026-03-06T16:02:35+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg Untitled design (3) https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/Cq0wrRpgtQs https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg FedLife Podcast | Ep. 161: Roth TSP In-Plan Conversions – What Federal Employees Need to Know In this episode, Dan and Ed explain the new Roth TSP in-plan conversion feature beginning January 28, 2026. They review how the process works, eligibility requirements, tax considerations, and important rules federal employees and retirees should understand before converting traditional TSP funds to Roth TSP. Roth TSP in plan conversion https://stwserve.com/the-fed15-podcast-ep-139-c-fund-concentration-risk-use-or-lose-leave-planning/ 2026-03-26T17:33:13+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg Untitled design https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/qE3GaweZUgk https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 139: C Fund Concentration Risk + Use-or-Lose Leave Planning Katelyn breaks down the risks of an all–C Fund TSP strategy, explaining why valuation and diversification matter—especially near retirement. She also covers the federal “use or lose” annual leave rules, including carryover limits and practical steps to avoid forfeiting earned hours. TSP C Fund risk https://stwserve.com/fedlife-podcast-ep-160-roth-ira-conversions-in-2025-what-federal-employees-should-consider/ 2026-03-06T15:50:29+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg Untitled design (3) https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/i3uHs7jAfdM https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg FedLife Podcast | Ep. 160: Roth IRA Conversions in 2025 – What Federal Employees Should Consider In this episode, Dan and Ed review key year-end tax planning considerations for federal employees and retirees, with a focus on Roth IRA conversions in light of recent tax law changes. They discuss potential tax implications, Medicare premium impacts, and new options available in 2026 for TSP participants. Roth IRA conversion https://stwserve.com/from-target-to-tactics-making-your-retirement-number-real/ 2026-03-04T14:10:56+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/02/20260128_From-Target-to-Tactics-Making-Your-Retirement-Number-Real.jpg 2026,01,28_From Target to Tactics - Making Your Retirement Number Real https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/the-fed15-podcast-ep-138-tsp-annuities-vs-flexibility-understanding-lifecycle-funds/ 2026-02-20T20:35:38+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg Untitled design https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/UkLR_Py7fyA https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 138: TSP Annuities vs. Flexibility + Understanding Lifecycle Funds Dan and Katelyn break down how a TSP life annuity works—including payout options, permanence, and who it may fit best—while comparing guaranteed income to alternatives like monthly TSP withdrawals and delaying Social Security. They also explain how TSP Lifecycle (L) Funds are structured, how the glide path shifts allocations over time, and the tradeoffs between professional management and personal control so federal employees can better balance certainty, flexibility, and long-term growth in retirement. TSP annuity explained https://stwserve.com/individuals-have-until-april-152026-to-recharacterize-2025-roth-ira-contributions/ 2026-02-20T19:17:32+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/02/Individuals_Have_Until_April_15_2026_to_Recharacterize_2025_Roth_IRA_Contributions-1.jpg Individuals_Have_Until_April_15_2026_to_Recharacterize_2025_Roth_IRA_Contributions https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/delay-or-dont-social-security-choices-for-federal-workers/ 2026-02-19T14:59:03+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/02/20260128_Delay-or-Dont-Social-Security-Choices-for-Federal-Workers.jpg 2026,01,28_Delay or Don't - Social Security Choices for Federal Workers https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/fedlife-podcast-ep-159-fsafeds-hcfsa-understanding-tax-free-health-care-dollars-in-2026/ 2026-03-06T15:46:10+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg Untitled design (3) https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/v5Gd8xtRTWo https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg FedLife Podcast | Ep. 159: FSAFEDS HCFSA – Understanding Tax-Free Health Care Dollars in 2026 In this episode, Dan and Ed provide an overview of the Federal Flexible Spending Account (FSAFEDS) Health Care FSA (HCFSA) program for federal employees in 2026. They review enrollment rules, eligible expenses, and common misconceptions to help federal employees make informed decisions. FSAFEDS https://stwserve.com/2026-social-security-update-plan-smarter-avoid-surprises/ 2026-02-19T14:59:39+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/02/20260128_2026-Social-Security-Update-Plan-Smarter-Avoid-Surprises.jpg 2026,01,28_2026 Social Security Update - Plan Smarter, Avoid Surprises https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/understanding-the-five-year-rule-with-respect-to-roth-tsp-in-plan-conversions/ 2026-02-20T19:06:53+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/02/Understanding_the_Five-Year_Rule.jpg Understanding_the_Five-Year_Rule https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/the-fed15-podcast-ep-137-tsp-loans-explained-understanding-the-benefits-cliff/ 2026-02-20T20:19:20+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg Untitled design https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/O3AftET545s https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 137: TSP Loans Explained + Understanding the Benefits Cliff Dan and Jen break down how TSP loans work—including eligibility, loan types, benefits, hidden costs, and repayment risks—while also unpacking the latest benefits cliff projections for Social Security and Medicare, clarifying what they mean for federal employees, and explaining how FERS and CSRS pensions are funded so listeners can focus on informed, long-term planning. TSP general purpose loan https://stwserve.com/2026-fehb-changes-planning-if-gender-affirming-care-isnt-covered/ 2026-02-13T16:17:07+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/02/20260128_2026-FEHB-Changes-Planning-If-Gender-Affirming-Care-Isnt-Covered.jpg 2026,01,28_2026 FEHB Changes - Planning If Gender-Affirming Care Isn't Covered https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/understanding-the-vitally-important-irs-form-5498/ 2026-02-12T16:06:13+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/02/Understanding_the_Vitally_Important_IRS_Form_5498.jpg Understanding_the_Vitally_Important_IRS_Form_5498 https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/benefits-cliff-talk-decoded-planning-moves-for-federal-workers/ 2026-02-13T15:47:47+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/02/20260128_Benefits-Cliff-Talk-Decoded-Planning-Moves-for-Federal-Workers.jpg 2026,01,28_Benefits Cliff Talk Decoded - Planning Moves for Federal Workers https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/the-fed15-podcast-ep-136-2026-rule-changes-federal-benefits-to-do-list/ 2026-02-20T20:10:42+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg Untitled design https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/ZnoYo7AZtrc https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 136: 2026 Rule Changes + Federal Benefits To-Do List Dan and Katelyn break down the key rule changes converging in 2026 and the essential planning moves federal employees should be reviewing now, from SECURE Act 2.0 updates to Social Security, TSP, insurance elections, and tax considerations. SECURE Act 2.0 https://stwserve.com/use-it-dont-lose-it-how-feds-can-maximize-annual-leave-in-2026/ 2026-02-03T17:14:49+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/01/Use_It_Dont_Lose_It.jpg Use_It_Dont_Lose_It https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/making-sense-of-the-tsp-annuity-who-it-fits-and-why/ 2026-02-03T17:14:53+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/02/Making_Sense_of_the_TSP_Annuity.jpg Making_Sense_of_the_TSP_Annuity https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/c-fund-reality-check-valuation-risk-and-better-tsp-balance/ 2026-02-03T17:26:18+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/02/C_Fund_Reality_Check.jpg C_Fund_Reality_Check https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/employees-born-between-april-21959-and-january-11965-and-receiving-social-security-benefits-should-be-aware-of-the-earnings-test/ 2026-02-03T17:14:55+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/01/Employees_Born_Between_1959_and_1965.jpg Employees_Born_Between_1959_and_1965 https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/averting-a-benefits-cliff-what-feds-should-know-now/ 2026-02-03T17:25:37+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/02/Averting_A_Benefits_Cliff.jpg Averting_A_Benefits_Cliff https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/the-fed15-podcast-ep-135-retirement-planning-amid-uncertainty-how-much-is-enough/ 2026-02-20T19:58:44+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg Untitled design https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/NIF7Fym9hxA https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 135: Retirement Planning Amid Uncertainty + How Much Is Enough? Dan and Katelyn discuss how to build a resilient retirement plan in uncertain times and how to determine how much savings is truly enough, covering income planning, spending needs, and strategies to align retirement resources with long-term goals. how much to retire https://stwserve.com/secure-act-2-0-and-the-thrift-savings-plan/ 2026-02-03T17:14:58+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/01/SECURE_Act_2-0_and_The_Thrift_Savings_Plan.jpg SECURE_Act_2-0_and_The_Thrift_Savings_Plan https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/the-true-costs-of-a-tsp-loan/ 2026-02-03T17:15:01+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/01/The_True_Costs_of_a_TSP_Loan.jpg The_True_Costs_of_a_TSP_Loan https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/the-fed15-podcast-ep-134-smart-tax-planning-in-retirement-beating-information-bias/ 2026-02-20T20:38:52+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg Untitled design https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/-LZ6F_Rh-54 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 134: Smart Tax Planning in Retirement + Beating Information Bias Dan and Katelyn explore why proactive tax planning is critical in retirement, starting with understanding the full retirement income stack, including a FERS or CSRS pension, planned TSP or IRA withdrawals, Social Security, and part-time income. They also discuss key tax considerations such as Roth strategies, required minimum distributions, Social Security and Medicare nuances, state tax realities, and the value of working with a CPA and CFP. The episode also covers how information bias can impact retirement investing and strategies to filter through market noise. IRA withdrawal planning https://stwserve.com/time-for-a-benefits-checkup-why-2026-is-the-year-to-review-your-plan/ 2026-02-03T17:15:03+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/01/Time_For_A_Benefits_Checkup.jpg Time_For_A_Benefits_Checkup https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/what-are-the-consequences-of-making-excess-contributions-to-the-tsp/ 2026-02-03T17:15:06+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/01/Consequences_of_Making_Excess_TSP_Contributions.jpg Consequences_of_Making_Excess_TSP_Contributions https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/year-end-moves-for-feds-benefits-taxes-and-tsp-in-one-list/ 2026-02-03T17:15:08+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/01/Year-End-Moves-for-Feds-Benefits-Taxes-and-TSP-in-One-List.png Year-End Moves for Feds - Benefits, Taxes, and TSP in One List https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/fedlife-podcast-2026-fehb-pshb-fedvip-and-fsafeds-what-federal-employees-need-to-know/ 2026-01-14T19:34:30+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg Untitled design (3) https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/pUXyfvPaGco https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg FedLife Podcast: 2026 FEHB, PSHB, FEDVIP, and FSAFEDS – What Federal Employees Need to Know In this episode, Dan and Ed break down the key updates for the Federal Employees Health Benefits (FEHB) program, Postal Service Health Benefits (PSHB) program, Federal Employees Dental and Vision Insurance Program (FEDVIP), and the Federal Flexible Spending Account Program (FSAFEDS) for plan year 2026. They explain premium trends, coverage changes, plan availability, and what federal employees and retirees need to know to make informed decisions during Open Season. FEHB 2026 https://stwserve.com/the-fed15-podcast-ep-133-retiring-with-debt-choosing-the-right-retirement-date/ 2026-02-20T20:41:56+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg Untitled design https://stwserve.com/wp-content/uploads/2024/06/Podcast-Covers-ep-120-COLAs-for-FERS-and-CSRS-Website.jpeg COLAs for CSRS podcast - COLA for FERS - image: colas https://www.youtube.com/embed/_m44GU-tjvE https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 133: Retiring With Debt + Choosing the Right Retirement Date Dan and Katelyn break down how federal employees can retire with debt in a sustainable way, starting with a full debt inventory and mapping guaranteed income sources such as a FERS or CSRS annuity, Social Security (if applicable), and planned TSP or IRA withdrawals. They also explain why retirement date strategy matters, including how timing can affect benefits, taxes, payouts, cash flow, and income gaps—and outline key timeframes to consider when choosing a retirement date. federal annuity planning https://stwserve.com/financial-to-do-list-considerations-for-employees-at-the-start-of-the-2026-leave-year/ 2026-02-03T17:15:11+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/01/A_Recommended_Financial_To_Do_List_for_Employees.jpg A_Recommended_Financial_To_Do_List_for_Employees https://stwserve.com/wp-content/uploads/2021/04/Fed20n3-1mages.jpeg FEDZONE Ed Zurndorfer https://stwserve.com/from-the-fedzone-what-federal-employees-should-know-about-the-coordination-of-the-federal-employees-health-benefits-program-tricare-and-medicare/ 2026-01-12T22:02:53+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/01/vault-img.png https://stwserve.com/wp-content/uploads/2020/09/Vault.png The Vault