In this episode, Ed and Dan explain how the SECURE Act 2.0 affects the Thrift Savings Plan (TSP) for federal employees and retirees. From required minimum distribution (RMD) age changes to higher catch-up contribution limits, this episode breaks down the ... Read More

Dan and Katelyn break down the key rule changes converging in 2026 and the essential planning moves federal employees should be reviewing now, from SECURE Act 2.0 updates to Social Security, TSP, insurance elections, and tax considerations. Check Out Our ... Read More

One of the provisions passed into law as part of SECURE Act 2.0 (December 2022)  requires that “catch-up” contributions made by higher-paid employees must go into a Roth account. This provision affects qualified retirement plans such as 401(k), 403(b) and ... 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

In this episode, Dan and Ed explain the upcoming 2026 change requiring high-earning federal employees to make TSP “catch-up” contributions only to the Roth TSP. They also discuss how the $145,000 wage threshold is determined, how dual employment impacts eligibility, ... Read More

Qualified Charitable Distributions (QCDs) first became available in 2006 to individuals aged 70.5 and older. QCDs were initially available only through the 2007 tax year. But Congress extended the December 31,2007 QCD deadline several times and made QCDs permanent as ... Read More

On January 10, 2025, the IRS issued proposed regulations that facilitate the implementation and operations of one of the provisions passed as part of SECURE 2.0. This provision is that  effective January 1, 2026, qualified retirement plan participants (this includes ... Read More