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Tax brackets

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.

TSP Withdrawal to Pay Off Debt

Should you pull money from your TSP to pay off your mortgage? A real client example of how taxes and withholding change the math.

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.

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.
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.
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.
FERS Retirees May Want to Delay Social Security

FERS Retirees May Want to Delay Social Security: A Claiming Guide

When should FERS retirees take Social Security? Claiming-age rules, the effective-tax reason to delay, survivor benefits and current figures.