https://stwserve.com/are-federal-employees-saving-enough-for-long-term-care-a-reality-check/ 2026-04-17T19:06:47+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Are-Federal_Employees_Saving_Enough_LTC.jpg Are-Federal_Employees_Saving_Enough_LTC https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/getting-ready-for-the-start-of-trump-accounts-in-july-2026/ 2026-04-30T14:25:20+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Getting_Ready_Trump_Accounts.jpg Getting_Ready_Trump_Accounts https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/income-assets-and-college-financial-aid-impacts/ 2026-04-17T18:38:18+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Income_Assets_and_College_Financial_Aid_Impacts.jpg Income_Assets_and_College_Financial_Aid_Impacts https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/usps-suspends-employer-fers-payments-amid-cash-crisis-does-it-affect-your-retirement/ 2026-04-30T13:07:08+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/USPS_FERS_Payments_Paused.jpg USPS_FERS_Payments_Paused https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/fedlife-podcast-ep-166-roth-tsp-in-plan-conversions-the-5-year-rule-explained/ 2026-04-28T16:09:51+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/3PYDne4E-nQ https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg FedLife Podcast | Ep. 166: Roth TSP In-Plan Conversions & the 5-Year Rule Explained In this episode, Ed and Dan take a deeper look at the tax consequences of Roth TSP in-plan conversions beginning in 2026, with a focus on how the IRS “five-year rules” impact withdrawals. The discussion breaks down how traditional vs. nondeductible IRA money is taxed at conversion, how the Roth TSP “bucket” system works, and why timing matters when accessing converted funds and earnings. Listeners will gain a clearer understanding of how taxes, penalties, and holding periods interact after a conversion. Roth TSP five year rule https://stwserve.com/the-fed15-podcast-ep-148-managing-fers-tax-withholding-should-feds-diversify-beyond-u-s-stocks/ 2026-04-28T15:26:08+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/dyaakmydKHk https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 148 Managing FERS Tax Withholding + Should Feds Diversify Beyond U.S. Stocks? In this episode, Jen and Dan go over managing taxes as income stacks up in retirement and whether heavy reliance on U.S. stocks in the TSP adds unnecessary risk. They cover how to avoid tax surprises through proper withholding and how international diversification through the TSP I Fund may help balance long-term portfolio risk. fers pension https://stwserve.com/closing-the-retirement-gap-after-50-a-step-by-step-fed-guide/ 2026-04-17T18:09:44+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Closing_the_Retirement_Gap_After_50.jpg Closing_the_Retirement_Gap_After_50 https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/how-does-the-still-working-tsp-rmd-exception-strategy-work/ 2026-04-27T17:24:30+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Still-Working_TSP_RMD_Exception_Strategy.jpg Still-Working_TSP_RMD_Exception_Strategy https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/the-fed15-podcast-ep-147-retiring-at-mra-without-the-supplement-should-you-move-closer-to-work/ 2026-04-28T15:20:29+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/uFZ-PT7tXPs https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 147 Retiring at MRA Without the Supplement + Should You Move Closer to Work? Dan and Katelyn discuss how federal employees can navigate early retirement income gaps and whether return-to-office changes should prompt a relocation decision before retirement. minimum retirement age FERS https://stwserve.com/fegli-after-55-when-it-gets-expensive-and-what-to-do/ 2026-04-17T17:51:24+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/FEGLI_After_55.jpg FEGLI_After_55 https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/two-pensions-one-plan-taxes-timing-and-survivor-choices/ 2026-04-29T19:36:28+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Two_Pensions_One_Plan.jpg Two_Pensions_One_Plan https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/understanding-the-rules-for-amending-a-federal-income-tax-return/ 2026-04-17T16:22:10+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Amending_a_Federal_Income_Tax_Return.jpg Amending_a_Federal_Income_Tax_Return https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/hidden-tax-breaks-federal-employees-often-miss/ 2026-04-17T16:12:09+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Hidden_Tax_Breaks.jpg Hidden_Tax_Breaks https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/the-fed15-podcast-ep-146-rural-healthcare-in-retirement-backdoor-roth-strategies-for-high-income-feds/ 2026-04-16T15:04:21+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/gTTpYqqKzpg https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 146: Rural Healthcare in Retirement + Backdoor Roth Strategies for High-Income Feds 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. FEHB rural healthcare https://stwserve.com/age-based-retirement-milestones-for-federal-employees/ 2026-03-11T13:58:47+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/03/Age-Based_Retirement_Milestones_for_Federal_Employees-1.jpg Age-Based_Retirement_Milestones_for_Federal_Employees https://stwserve.com/fedlife-podcast-ep-165-salt-deduction-changes-under-the-one-big-beautiful-bill-act-2/ 2026-04-10T15:21:46+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/1vrKk7TLyT4 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg FedLife Podcast | Ep. 165: SALT Deduction Changes Under the One Big Beautiful Bill Act 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 law significantly increases the SALT deduction cap beginning in 2025 and introduces income phaseout rules for higher-income taxpayers. This episode reviews how the updated limits work, who may benefit, and what federal employees and retirees should understand when reviewing itemized deductions. salt deduction changes https://stwserve.com/some-employees-and-retirees-need-to-pay-federal-estimated-taxes-during-2026-to-avoid-irs-penalties/ 2026-04-17T16:00:10+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Some_Employees_and_Retirees_Need_to_Pay.jpg Some_Employees_and_Retirees_Need_to_Pay https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/the-i-fund-explained-diversifying-beyond-u-s-stocks-in-retirement/ 2026-04-10T17:21:44+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/The_I_Fund_Explained.jpg The_I_Fund_Explained https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/the-fed15-podcast-ep-145-tax-changes-for-federal-retirees-tsp-hardship-withdrawals-explained/ 2026-04-09T17:45:46+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/nv7KBsUMh68 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 145: Tax Changes for Federal Retirees + TSP Hardship Withdrawals Explained 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. TCJA extension explained https://stwserve.com/stretching-your-fers-pension-smart-withholding-and-tax-moves/ 2026-04-10T15:53:32+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/Stretching_Your_FERS_Pension.jpg Stretching_Your_FERS_Pension https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/high-income-federal-employees-unable-to-contribute-to-a-roth-ira-for-the-year-2025-should-use-the-back-door-strategy-to-convert-to-a-roth-ira/ 2026-04-10T15:54:06+00:00 daily 0.8 https://stwserve.com/wp-content/uploads/2026/04/High_Income_Federal_Employees_Unable_to_Contribute.jpg High_Income_Federal_Employees_Unable_to_Contribute https://stwserve.com/wp-content/uploads/2025/10/Benefits-Ben-Logo-web.jpg https://stwserve.com/the-fed15-podcast-ep-144-using-the-tsp-g-fund-wisely-preparing-for-a-federal-rif/ 2026-04-09T17:48:51+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/N3-vl2lLxEM https://stwserve.com/wp-content/uploads/2025/01/Untitled-design.jpg The Fed15 Podcast | Ep. 144: Using the TSP G Fund Wisely + Preparing for a Federal RIF Dan and Katelyn discuss two important topics for federal employees: how to use the TSP G Fund strategically and what steps to take if workforce reductions become a possibility. TSP G Fund explained 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/fedlife-podcast-ep-164-tsp-excess-contributions-how-to-fix-them/ 2026-04-10T15:02:18+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/J2WRpGnaY7o https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg FedLife Podcast | Ep. 164: TSP Excess Contributions & How to Fix Them In this episode, Ed and Dan explain what happens when federal employees contribute too much to their Thrift Savings Plan (TSP), especially if they also participated in another employer-sponsored retirement plan such as a 401(k) during the same year. This episode walks through how excess contributions can occur, how to identify them using W-2 forms, and the steps participants must take to request a refund before important IRS deadlines to avoid additional tax complications. TSP excess contributions 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/fedlife-podcast-ep-163-secure-act-2-0-updates-for-tsp-participants/ 2026-04-09T17:15:04+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/a2EW6OOsDRs https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg FedLife Podcast | Ep. 163: SECURE Act 2.0 Updates for TSP Participants In this episode, Ed and Dan explain how the SECURE Act 2.0 affects the Thrift Savings Plan (TSP) for federal employees and retirees. From required minimum distribution (RMD) age changes to higher catch-up contribution limits, this episode breaks down the rules, effective dates, and strategies to optimize retirement savings while minimizing taxes. SECURE Act 2.0 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/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/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/fedlife-podcast-ep-162-roth-tsp-in-plan-conversions-2/ 2026-04-09T17:14:29+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/dWHlllKluz8 https://stwserve.com/wp-content/uploads/2025/01/Untitled-design-3.jpg FedLife Podcast | Ep. 162: Roth TSP In-Plan Conversions In this episode, Ed and Dan explain the newest Thrift Savings Plan (TSP) option: Roth TSP in-plan conversions, starting January 28, 2026. Federal employees, retirees, and spouse beneficiaries can now convert portions of their traditional TSP accounts into Roth TSP accounts. This episode breaks down eligibility, tax considerations, and the two separate five-year rules that govern Roth TSP withdrawals, helping listeners understand when conversions are advantageous and how to avoid unexpected taxes or penalties. Roth TSP five-year rule 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/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