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Save Tax $$ By Bunching Deductions

If you knew how to potentially save a couple thousand dollars a year, would you do it? If yes, then I would recommend looking in to bunching your expenses. The concept of bunching your expenses has been around for a long time, but I believe has become more applicable with the new tax law.

Federal Employees
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Choosing the Correct Survivor Annuity

The main purpose for a survivor annuity is for married FERS employees to have the option to leave an income stream to their surviving spouse. In other words, you can leave a benefit at your death (sound familiar?). The reason for the SA is quite simple – many spouses can’t afford to lose an income of $2,000 a month

Federal Employees
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How Retirement Income is Different Than Your Paycheck

Money is just money, right? Well, not exactly when it comes to retirement income. It’s not as straightforward as you would think. There are a number of things different about retirement income compared to your regular paycheck. Many of the changes will benefit federal employees, but not all. For example, taxes are just one of the things that will be different in retirement.

Federal Employees
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Should You Invest in Roth TSP?

This is a question that takes a little analysis. The traditional TSP gives participants an immediate benefit by lowering their adjusted gross income (AGI), which means less taxes are paid today. The tax benefit for Roth TSP comes when a participant takes distributions and receives tax free income.

Federal Employees
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Should You Take a TSP Annuity?

A common question for federal employees to ask me is, "so what's this annuity option in my Thrift Savings Plan (TSP)?" There is a lot of misunderstanding around what annuity options are available through TSP, as well as confusing the TSP annuity options with your FERS annuity.

Federal Employees
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Retirement Isn't All About Income

Most people I talk to about retirement are primarily concerned with retirement income, and justifiably so, since many want to retire in the near future. I believe that we get too focused on the income aspect of retirement versus the expenses side of retirement. If you want flexibility in retirement, you first need to gain control of your expenses before worrying about your income.

Federal Employees General
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