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

Required minimum distributions (RMDs) are mandatory, taxable withdrawals from pre-tax retirement accounts, like a Thrift Savings Plan (TSP) or traditional IRA. They’re not optional, and they can push your income higher, raising your tax bill and potentially rippling into your ... 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

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