GET CONNECTED

QCDs

2 arrows

TSP or IRA in Retirement? 12 Differences

Should you keep your TSP or roll it to an IRA in retirement? Twelve differences that matter for federal retirees, from beneficiaries to withholding.

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.
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.
Four Things Federal Retirees Can't do With TSP

Things Federal Retirees Still Can’t Do With TSP (and One That Changed Recently)

Three TSP limits that still affect federal retirees, plus the big change: in-plan Roth conversions are now allowed.
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.
Inheriting a Spousal TSP

Inheriting a Spousal TSP: Options for a Surviving Spouse

A surviving spouse can keep a TSP in a BPA, roll it to their own IRA or use an inherited IRA. Here's how RMD rules work under SECURE 2.0.
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.
Odd Aspects of TSP

Odd Aspects of TSP

The TSP is simple and low cost, but some rules frustrate retirees. Which odd aspects still apply, and two the TSP has finally fixed.
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.
Save Tax $$ By Bunching Deductions

Save Tax $$ By Bunching Deductions

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.