During 2024, the IRS issued final guidance for individuals who inherited IRAs after December 31,2019, explaining the rules for inherited IRA required minimum distributions (RMDs). The first inherited traditional IRA RMD is due by December 31, 2025. Depending on the ... Read More

While Thrift Savings Plans (TSPs) are typically meant to be long-term investments, the constant stream of breaking news, market commentary, and conflicting opinions has left many Feds feeling the need to take action. Information bias can lead to common mistakes such as ... Read More

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

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

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

  When agencies reorganize or cut positions, the Office of Personnel Management (OPM) reduction in force (RIF) rules determine who stays and who moves. These rules can feel complex, but they follow a clear order and process. By understanding how federal RIF ... Read More

While in federal service, federal employees are privileged to have an important fringe benefit in the form of group health insurance. Employees enrolled in the Federal Employees Health Benefits  (FEHB) program pay on average 25 to 28 percent of FEHB ... Read More