Dan and Jen break down how TSP loans work-including eligibility, loan types, benefits, hidden costs, and repayment risks-while also unpacking the latest benefits cliff projections for Social Security and Medicare, clarifying what they mean for federal employees, and explaining how ... Read More

Many federal employees are familiar with the tax advantages associated with the Roth Thrift Savings Plan (TSP) account. Contributions to the Roth TSP are made with after-taxed dollars (deducted from an employee’s after-taxed salary) and overtime potentially grow income tax-free. ... Read More

In this episode, Dan and Ed explain what QCDs are and how they work with RMDs from traditional IRAs. They also discuss which retirement accounts allow QCDs, the timing considerations when executing them, and the new rules under the SECURE ... Read More

In this episode, Dan and Ed explain what QCDs are and how they work with RMDs from traditional IRAs. They also discuss which retirement accounts allow QCDs, the timing considerations when executing them, and the new rules under the SECURE ... Read More

Cryptocurrency is everywhere – and many federal employees are wondering if it deserves a spot in their investment mix. From flashy headlines to bold predictions in finance, digital assets such as Bitcoin and Ethereum have captured the public’s attention. And ... Read More

Cryptocurrency is everywhere – and many federal employees are wondering if it deserves a spot in their investment mix. From flashy headlines to bold predictions in finance, digital assets such as Bitcoin and Ethereum have captured the public’s attention. And ... Read More

This is the third of four FEDZONE columns discussing the withdrawal options that are available to separated Thrift Savings Plan TSP) participants. In these columns, a “separated” participant means a civilian employee or a member of the uniformed services who ... Read More

In this episode, Dan and Katelyn dive into RMDs-when to take them, why they matter, and how to avoid penalties-and explain Discontinued Service Retirement (DSR), including who qualifies and what to expect if facing early separation. Check Out Our Next ... Read More

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

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