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Retirement Planning

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Does it Really Make Financial Sense to Work Another Year?

Does it make financial sense for a federal employee to work another year? Brad runs the household numbers: pension, TSP, market risk and debt.
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What Difference Will One More Year of Federal Service Make for FERS Retirement?

What one more year of federal service adds to your FERS annuity: the 1% and 1.1% math, the MRA+10 reduction, high-3, sick leave and current TSP limits.
Make This a Priority for a Successful Retirement

Make This a Priority for a Successful Retirement: Asset Location

Having all your savings in traditional TSP means every dollar you withdraw is taxable. Why federal employees should invest in different account types.
Buying a House as a FERS Retiree

Buying a House as a FERS Retiree: Should You Use Your TSP?

Should a FERS retiree pull money from TSP to buy a house? Usually not all of it. A current example of filling the 12% bracket to fund a down payment.
The Federal Retiree Who Did Nothing

The Federal Retiree Who Did Nothing: A $2.5 Million TSP Tax Trap

A federal widow with a $2.5M TSP was forced into the 35% bracket. Roth conversions, an IRA rollover and QCDs could have saved six figures.
I Wish I Had.... 5 Regrets of Federal Employees

I Wish I Had…. 5 Regrets of Federal Employees

The five money regrets federal retirees mention most: no Roth TSP, not getting advice sooner, saving late, tinkering with TSP, and keeping costly FEGLI.
NO, Federal Retirees Should Not Run Out of Money

No, Federal Retirees Should Not Run Out of Money

Running out of money is the biggest retirement fear, but FERS and Social Security change the math for federal retirees. The real risk is spending.
Federal Retirement Mistakes

Federal Retirement Mistakes: 6 to Avoid

Six common mistakes federal retirees make, from doing nothing with idle TSP money to raiding retirement savings and not spending enough.
3 Essential Tax Planning Strategies for Federal Retirees

8 Tax Planning Strategies for Federal Retirees

Eight tax planning strategies for federal retirees, from Roth conversions inside the TSP to QCDs, IRMAA and withholding, with links to the details.
Smart Actions in a Market Downturn

Smart Actions in a Market Downturn for Federal Employees

Don't move your TSP to the G fund. Eight things federal employees can actually control when the stock market drops.