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.

Reduce Taxes on Inherited IRAs: The 10-Year Rule and Annual RMDs

How the SECURE Act 10-year rule and the IRS final regulations work for inherited IRAs, and how to spread withdrawals to reduce taxes.

Should you pay off your mortgage before retirement? The psychology, current tax math, and why a big TSP withdrawal is rarely the way to do it.

Does bunching deductions still save tax? How the $40,400 SALT cap, the 0.5% charitable floor and the new non-itemizer deduction change the math.

Roth TSP vs traditional TSP for federal employees: two common myths, current limits, no Roth TSP RMDs since 2024, and questions to help you decide.

An HSA has triple tax benefits. Current HSA limits, who qualifies, FEHB HDHPs and the Medicare rule federal retirees miss.