If you’re a regular reader of the STWS blog, you’ll know it’s about that time of year again… In recent years, writing about the JORC (the “joy of Roth conversions,” naturally) has become a bit of an annual tradition. It ... Read More

Most federal service employees select their retirement date based on a few factors, including FERS/CSRS pension payouts or Social Security timing. However, this approach may not fully consider the potential tax implications of these decisions. To avoid unpleasant and costly ... Read More

When you separate from federal service, your retirement benefits are income diversified thanks to the Federal Employees Retirement System and its three “stool legs” of the Basic Benefit, Thrift Savings Plan (TSP), and Social Security distributions. You can also benefit from tax ... Read More

In accordance with the Internal Revenue Code, the IRS limits the amount that employees can contribute via payroll deductions to their qualified retirement plans. Qualified retirement plans include 401(k), 403(b) and 457 retirement plans. These limits also apply to the ... Read More