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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.

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.
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.
How Much Should I Have in Roth Accounts?

How Much Should I Have in Roth Accounts?

Why one third in Roth is a reasonable goal for federal employees, and how tax-free money helps you manage tax brackets and current IRMAA surcharges.
A Great Reason Not to Take Medicare Part B

A Great Reason Not to Take Medicare Part B

For high-income federal retirees with FEHB, IRMAA can make Medicare Part B cost more than it saves. But the late enrollment penalty is the catch.
Do This Before Maxing Your TSP

Do This Before Maxing Your TSP: Fund an HSA

Why federal employees in an FEHB high deductible plan should fund an HSA before maxing the TSP, with current HSA limits and the rules to know.
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.
Retiring This Year? Here is a PreRetirement Checklist

Retiring This Year? Here is a Pre-Retirement Checklist

A pre-retirement checklist for federal employees: OPM's online application, TSP and Roth moves, FEHB/PSHB, Medicare and more.
How Retirement Income is Different Than Your Paycheck

How Retirement Income is Different Than Your Paycheck

Why your FERS retirement income won't match your paycheck: after-tax health premiums, deductions that disappear, and how each income source is taxed.