Archive
Many federal employees are unaware that a major TSP tax change is arriving in 2026. And for some higher earners, it may significantly change retirement contribution strategy. The change comes from: SECURE 2.0 And it affects: Federal employees Military members Veterans with federal careers Higher-income TSP participants https://fersfree.com What Is Changing in 2026? Beginning in […]
Read article →One of the biggest TSP questions federal employees face is: Traditional or Roth? The answer affects: Taxes today Taxes in retirement Withdrawal flexibility Long-term retirement strategy There is no universal answer for everyone. https://fersfree.com Traditional TSP Explained Traditional TSP contributions are: Made pre-tax Reduce taxable income today Taxed later during withdrawals This lowers taxes during […]
Read article →Many disabled veterans believe that receiving a 100% Permanent and Total (P&T) VA disability rating automatically makes early Thrift Savings Plan (TSP) withdrawals tax-free. That is not exactly how the rules work. In many cases, 100% P&T disabled veterans can avoid the 10% IRS early withdrawal penalty before age 59½. However: Traditional TSP withdrawals are […]
Read article →One of the most common questions federal employees ask before retiring is: Will my FERS pension be taxed? The short answer is yes at the federal level, but the full answer is more nuanced—especially when you factor in state taxes, TSP withdrawals, and Social Security. If you want to estimate your real net income: https://fersfree.com […]
Read article →One of the most important decisions federal employees make while contributing to the TSP is: Should I use Roth or Traditional? The answer depends on taxes—specifically when you want to pay them. If you want to model your retirement income: https://fersfree.com The Core Difference Traditional TSP: Contributions are pre-tax You pay taxes later in retirement […]
Read article →At some point in retirement, the IRS requires you to start withdrawing money from your retirement accounts. For federal employees, this includes your Thrift Savings Plan (TSP). These withdrawals are called Required Minimum Distributions (RMDs). To model your retirement income: https://fersfree.com What Are RMDs? RMDs are the minimum amount you must withdraw each year from […]
Read article →