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Taxes, RMDs & Roth Conversions

federal retiree retirement state

The State You Retire In Could Cost You Hundreds of Thousands of Dollars

Maryland vs. Pennsylvania: how state taxes on retirement income can cost a FERS couple $8,700 to $21,500 a year, and over $500,000 over a retirement.
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The Widow’s Penalty for Federal Retirees: How to Prepare

When one spouse dies, the survivor files single: tighter brackets, half the IRMAA thresholds, similar income. Here's the math and the Roth fix.
girl in patriotic booth

Trump Accounts: What Every Family Needs to Know About the $1,000 Baby Bonus

Trump Accounts launched July 4, 2026. Who gets the $1,000, how to sign up, contribution limits, tax rules at 18, and how they compare to a 529.

Understanding and Planning for Required Minimum Distributions (TSP and IRAs)

When RMDs start (73 or 75), how to calculate them, how TSP RMDs differ from IRAs, and planning moves like QCDs, conversions and the 10-year rule.

TSP Withdrawal to Pay Off Debt

Should you pull money from your TSP to pay off your mortgage? A real client example of how taxes and withholding change the math.

Impact of the Big Beautiful Bill on Federal Employees

What the One Big Beautiful Bill Act means for federal employees and retirees, from the $6,000 senior deduction to SALT and overtime, with the key numbers.
Roth Conversions

Roth TSP Conversions: How In-Plan Conversions Work

In-plan Roth TSP conversions launched January 28, 2026. Here are the rules, how to decide whether to convert, and who benefits most.

Should You Spend Your Taxable Brokerage Account First in Retirement?

Whether to draw on your brokerage account, TSP or Roth first depends on your tax bracket now and later. Here is how each is taxed, with scenarios.
Year End Tax Planning Ideas

Year End Tax Planning Ideas: A Checklist for Federal Employees and Retirees

A year-end tax planning checklist for federal employees and retirees: withholding, RMDs, Roth conversions, charitable giving, TSP and Open Season.
TSP Distributions and Tax Planning for Federal Retirees

TSP Distributions and Tax Planning for Federal Retirees: A Worked Example

A worked example of how a FERS couple can draw from TSP, stay in the 12% bracket, and use Roth conversions before Social Security starts.