Federal benefits carry real value. A Federal Employees Retirement System (FERS) pension, Thrift Savings Plan (TSP), and Social Security together form a strong retirement foundation, but taxes determine how much of that value you ultimately keep. Many Feds focus on ... Read More

Dan and Katelyn break down how healthcare access can impact retirement decisions and how high-earning federal employees can still utilize Roth strategies despite income limits. Check Out Our Next FERS Webinar for Federal Employees – REGISTER HERE The Fed15 Podcast ... Read More

Ask most federal employees when they plan to retire, and they’ll give you a year. Ask them which ages matter before that year, however, and the conversation suddenly stalls out. That gap is where many retirement plans fall short. Understanding ... Read More

In this episode, Ed and Dan explain recent changes to the State and Local Tax (SALT) deduction following the passage of the One Big Beautiful Bill Act of 2025. The law significantly increases the SALT deduction cap beginning in 2025 ... Read More

Most federal employees and retirees receive various types of income that are not subject to mandatory federal income tax withholding. Among these income-types are interest, dividend and capital gain income, pension income and IRA income, CSRS and FERS annuities, rental ... Read More

Many of our Feds build retirement portfolios heavily around U.S. stocks, often through the Thrift Savings Plan (TSP) C Fund. That approach has worked well, but it creates concentration risk. One country. One currency. One set of economic outcomes. We talk ... Read More

Dan and Katelyn discuss how recent tax law changes affect federal retirement planning and what federal employees should understand before taking a hardship withdrawal from their TSP. Check Out Our Next FERS Webinar for Federal Employees – REGISTER HERE The ... Read More

Your pension is steady. Your tax picture can shift from year to year. Withholding too little may lead to a tax bill in the spring and possibly penalties. Withholding too much can quietly reduce your monthly flexibility. The goal is ... Read More

Effective January 1,2018 following the passage of the Tax Cuts and Jobs Act of 2017 (TCJA), individual federal marginal tax rates were reduced to the lowest rates in the 100-year history of the federal individual income tax. While the TCJA ... Read More