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 federal employees spend decades building their TSP balance. But retirement success depends just as much on: How you withdraw the money Poor withdrawal strategies can damage retirement sustainability even with strong account balances. https://fersfree.com Mistake #1: Withdrawing Too Much Too Early One of the most common mistakes is taking aggressive withdrawals early in retirement. […]
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 →Most retirement plans focus on gross income. But that is not what you actually spend. What matters is: How much money you take home after taxes and healthcare costs. https://fersfree.com Why Net Income Matters You may estimate: FERS pension TSP withdrawals Social Security But without factoring in: Taxes FEHB premiums Medicare Your plan can be […]
Read article →Many federal employees believe they understand their retirement numbers. They calculate their pension, estimate their TSP, and assume they are ready. But in reality, most retirement calculations are incomplete—and often wrong. https://fersfree.com The Core Problem Most calculations focus on one part of the system, such as: FERS pension TSP balance Social Security estimate But federal […]
Read article →