Jen and Dan discuss tax planning strategies that can help federal employees keep more of their retirement income and the critical ages that can shape retirement decisions under FERS
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The Fed15 Podcast | Ep. 149 Hidden Tax Savings for Federal Employees + Key Federal Retirement Milestones by Age
Jen explains several often-overlooked tax planning strategies for federal employees and retirees. She covers how using different “tax buckets” can create more flexibility in retirement, when Roth TSP contributions and Roth conversions may help reduce future tax pressure, why income timing matters for Medicare and taxes, and how strategies involving FEHB decisions, charitable giving, and state taxes can impact long-term retirement income.
Dan walks through the major federal retirement milestones by age and why they matter long before retirement paperwork is filed. He explains key ages tied to catch-up contributions, the Rule of 55, Minimum Retirement Age (MRA), Social Security, Medicare IRMAA, Qualified Charitable Distributions (QCDs), and Required Minimum Distributions (RMDs). He also discusses how timing decisions around retirement, withdrawals, and income can affect taxes, penalties, and long-term retirement flexibility.
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