In this episode, Ed and Dan explain the survivor annuity choices available to federal employees and retirees and why these decisions can have a lasting impact on both retirement income and a spouse’s financial security. They discuss the differences between ... Read More

In this episode, Ed and Dan break down OPM’s retirement quick guide and explain what recently retired federal employees can expect as their retirement applications are processed. They walk through the five stages of the retirement process, interim annuity payments, ... Read More

In this episode, Ed and Dan discuss how disclaimers can provide flexibility in estate planning for federal employees and retirees with large traditional TSP and IRA accounts. They explain how disclaimers work, why they may help manage inherited retirement assets, ... Read More

In this episode, Ed and Dan break down the new “Trump Accounts” created under the One Big Beautiful Bill Act of 2025 (OBBBA), expected to launch July 4, 2026. These accounts are structured as traditional IRAs for children under age ... Read More

In this episode, Ed and Dan break down the new “Trump Accounts” created under the One Big Beautiful Bill Act of 2025 (OBBBA), expected to launch July 4, 2026. These accounts are structured as traditional IRAs for children under age ... Read More

In this episode, Ed and Dan explore a new SECURE 2.0 provision that may allow penalty-free withdrawals from certain qualified retirement plans to help pay long-term care (LTC) insurance premiums. Beginning after December 29, 2025, eligible plan participants under age ... Read More

In this episode, Ed and Dan discuss when it makes sense to amend a federal income tax return and the key rules surrounding IRS Form 1040-X. Millions of taxpayers discover errors or omissions after filing their returns each year, but ... Read More

In this episode, Ed and Dan discuss why many federal employees and retirees may need to make quarterly estimated tax payments and how failing to do so can result in costly IRS underpayment penalties. With more retirees receiving income from ... Read More

In this episode, Ed and Dan take a deeper look at the tax consequences of Roth TSP in-plan conversions beginning in 2026, with a focus on how the IRS “five-year rules” impact withdrawals. The discussion breaks down how traditional vs. ... 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