The Real Costs and Benefits of Working After Federal Retirement
Working after federal retirement boosts income and purpose but can impact FERS, Social Security, Medicare premiums, and future tax obligations.
Taxes
Stay informed on tax rules and implications affecting federal employees and retirees, including guidance on taxes for FERS and CSRS annuities, Social Security taxation, TSP withdrawals, and retirement income planning. Explore updates on IRS regulations, withholding rules, state tax considerations, and policy changes that influence how federal retirement benefits are taxed. Find clear explanations and practical insights to help federal employees understand how different income sources are treated and how tax changes may impact their financial planning.
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.
What Parts of a Federal Employee’s Retirement Income Are Taxed?
Federal employees will find that most of their retirement income is subject to taxes. Planning ahead helps reduce tax surprises in retirement.
Standard Deduction or Itemize? What Federal Employees Should Know for 2025
Federal employees: Don’t assume last year’s tax approach works in 2025—higher SALT caps mean itemizing could finally beat the standard deduction.
Avoiding the Tax Trap: What the Elimination of WEP and GPO Means for Your Income and Taxes
The 2025 Social Security Fairness Act removed WEP and GPO, boosting CSRS retirees’ benefits and income, but also created new tax and Medicare implications.
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.
ABLE Accounts: A Powerful but Underused Planning Tool for FERS and Military Families
ABLE accounts let federal and military families save for disability needs tax-free while protecting SSI, Medicaid, and survivor benefits—key to long-term planning.
Saving for Children Under FERS: What Works, What Doesn’t, and Why
Not all savings accounts for children are equal for FERS families.
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.
Is Military Retirement Pension Taxable? Federal and State Income Tax Chart
Is military retirement taxable? Understand tax rules for military retirement pay, including federal income tax for disability military retirement benefits.
