Why Roth Conversions Require a Different Playbook for Federal Widows with a FERS Pension
Federal widows with FERS and Social Security benefit most from small, strategic Roth conversions to avoid IRMAA and balance lifetime taxes.
Roth
Navigate the complexities of Roth accounts within the federal retirement system. This section provides expert insights into the Roth TSP, Roth IRA conversions, and tax-planning strategies tailored for the federal workforce. Learn how to leverage tax-free growth to hedge against future tax hikes, understand the nuances of TSP to Roth IRA transfers, and determine if a Roth conversion makes sense for your FERS or CSRS retirement strategy. Stay updated on contribution limits and the five-year rule to ensure your retirement income remains tax-efficient.
Why Avoiding IRMAA Can Cost Federal Retirees More in the Long Run
Paying Medicare’s IRMAA fees briefly can cut lifetime taxes for FERS retirees.
Smart Roth Conversions: How to Use Partial IRA, 401(k), or TSP Transfers for Tax-Efficient Retirement
Partial Roth conversions let you move IRA, 401(k), or TSP assets gradually, managing taxes, reducing RMDs, and building tax-free retirement income.
Mastering Roth Conversions: How Federal Employees Can Slash Retirement Taxes
Strategically utilizing Roth conversions is a way that federal employees can reduce their tax burden in retirement.
TSP Catch-Up Contributions: Why Roth May No Longer Be a Choice (and Why That May Be a Blessing in Disguise)
TSP catch-up contributions must now be Roth in some cases, and this may be a good thing.
Why “Safe” Withdrawal Rates Depend on the Type of Account You’re Spending From
Safe retirement withdrawal rates depend on the account type, as tax drag reduces sustainability for taxable and traditional IRA accounts.
Federal Employees Gain Powerful New TSP Feature: Roth In-Plan Conversions Officially Launch
Roth in-plan conversions launch in the TSP today, bringing federal employees an important and long-awaited feature to help with retirement planning.
Roth Conversions Are Coming to the TSP; Why That May Hurt More Federal Employees Than It Helps
Roth conversions can be valuable, but if done incorrectly they can cause more harm than good.
FRTIB Responds to Comments and Finalizes Rules for TSP Roth In-Plan Conversions
The FRTIB has finalized a rule for Roth in-plan conversions in the TSP in anticipation of the feature’s launch later this month.
Should I Invest My Roth Differently Than My Traditional IRA?
Should Roth IRA investments be handled differently than traditional IRA investments?
