The Thrift Savings Plan (TSP) announced that starting January 28, 2026, TSP participants will be able to convert portions of their traditional (before-taxed) TSP balance to the Roth (after-taxed) TSP balance, called a Roth in-plan conversion. For those federal employees ... Read More

Dan and Katelyn discuss what federal employees need to know for 2026, including new TSP and IRA contribution limits, updated catch-up rules, and Roth considerations. They also cover common retirement application mistakes that can delay first payments, share tips for ... Read More

A recent FEDZONE column (“TSP Announces Start of Roth TSP In-Plan Conversions”) presented an overview of the newest Thrift Savings Plan (TSP) option. Starting January 28, 2026, traditional TSP participants for the first time will have the option of converting ... Read More

Most Feds expect a smoother tax picture once they leave government. But the mix of pension income, withdrawals from the Thrift Savings Plan (TSP) or an IRA, and Social Security can potentially keep you in the same tax bracket you held while ... Read More

  Today’s investors are surrounded by nonstop market updates, email alerts, and market commentary. While staying informed may seem helpful, too much information can cloud your judgment. Many investors fall into the trap of information bias – the belief that ... Read More

In this episode, Dan and Ed break down the key updates for the Federal Employees Health Benefits (FEHB) program, Postal Service Health Benefits (PSHB) program, Federal Employees Dental and Vision Insurance Program (FEDVIP), and the Federal Flexible Spending Account Program ... Read More

Dan and Katelyn break down how “bump and retreat” works in a RIF, covering key terms, potential outcomes, and steps federal employees can take if a RIF is possible. They also review 2026 HSA and FSA updates, including tax advantages, ... Read More

We believe A durable retirement plan rests on four pillars: income, health care, timing, and legacy. When these are solid, everything else should typically get easier – from taxes to cash flow to overall confidence. Consider treating this as a ... Read More

There’s more to retiring from your federal job than closing your eyes, pointing at a date on the calendar, and telling your boss, “I’m done.” As an employee who benefits from the Federal Employees Retirement System (FERS), your separation impacts ... Read More

Retiring with debt doesn’t have to derail your financial freedom. Many Feds step into retirement with mortgages, car loans, or credit cards still on the books. The goal isn’t to wipe out every balance – it’s to manage what you owe ... Read More