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Capital gains

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.
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.
How to Avoid Getting Crushed by Taxes in Retirement

How to Avoid Getting Crushed by Taxes in Retirement as a Federal Retiree

How federal retirees can control their taxable income with taxable, tax-deferred and Roth accounts, filling the 12% bracket, IRMAA and Social Security.
How to Get a Tax Free Retirement

How to Get a Tax-Free Retirement

Is a tax-free retirement possible for a federal employee? Yes, rarely. A current example using Roth and 0% capital gains, and the more realistic goal.
Reduce Your Retirement Tax Bill by Strategic Giving

Reduce Your Retirement Tax Bill by Strategic Giving

Three ways federal retirees can give to charity more tax-efficiently: the new non-itemizer deduction, appreciated stock and QCDs from an IRA.