If you’re approaching age 73, it’s time to start thinking about your required minimum distributions (RMDs). The IRS mandates withdrawals from tax-deferred retirement accounts like IRAs, TSPs, and other employer-sponsored plans. While the rules may seem simple, many federal employees ... Read More

Dan and Katelyn discuss Roth TSPs, comparing them to Traditional TSPs and clarifying misconceptions about taxes, employer matches, and RMDs. They then cover key considerations for including cryptocurrency in estate planning, such as inventory, beneficiaries, and legal frameworks. Check Out ... Read More

We find ourselves in very stressful times and many federal employees are facing uncertainty due to potential agency reductions in force (RIF). It’s natural to feel anxious about job security and future retirement plans. This article aims to provide clarity ... Read More

April 1,2025 is the deadline for federal employees and retirees born between January 1 and December 31 ,1951 owning traditional IRAs to take their first traditional IRA required minimum distribution (RMD) for the year 2024. This column discusses what a ... Read More

  Quantum computing is advancing rapidly, bringing both innovation and security risks. While it can potentially solve complex problems, it also threatens encryption methods that protect sensitive financial and personal data. Federal retirees need to understand these risks to safeguard ... Read More

Dan and Katelyn discuss ESG investing, highlighting its benefits and offering key steps to consider for those interested in incorporating it into their portfolio. They then explore RMD withdrawal strategies, focusing on how to leverage tools like QCDs and Roth ... Read More

As a federal government employee, you have access to a bevy of benefits. One such benefit is healthcare insurance through the Federal Employees Health Benefits (FEHB) program. FEHB options provide comprehensive health coverage. However, those choices typically offer only limited vision ... Read More

Many retirees are not aware that Social Security monthly disability and retirement benefits are potentially federal and (in some states) state taxable. Social Security beneficiaries who receive monthly benefits should be aware that federal income tax withholding from monthly benefits ... Read More

From routine preventive care to painful emergencies, dental services are an important – and sometimes costly – part of healthcare. Our Feds often ask us about maximizing FEDVIP dental benefits, especially when planning for major procedures or transitioning into retirement. ... Read More

Ed and Dan explain the importance of making deposits for “non-deduction” service, which can help employees meet retirement eligibility and increase their annuity. The episode covers how to make these deposits, types of qualifying service, and the process for employees ... Read More