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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.
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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.
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.
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.
Law Enforcement Officer Retirement, The Rule of 55, TSP, and Roth TSP

Rule of 55 and the TSP: Early Access for Federal Employees, LEOs (Rule of 50) and Roth TSP

How the Rule of 55 works for TSP, the age 50 or 25-years rule for LEOs, why it doesn't apply to IRAs, and Roth TSP withdrawals before 59½.
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.
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.
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.