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The Federal Tax Window: What To Decide Before TSP Withdrawals Start
Federal employees have a tax window most people never get, and most people miss it. This episode breaks down the two windows that open right after you retire, why the Secure Act's 10 year rule changed the math on your traditional TSP, and how to fill your tax bracket with Roth conversions without tipping into IRMAA surcharges or a higher bracket than you need.
William Smith walks through a real client case where a $30,000 difference in withdrawal timing kept a retiree out of the 32% bracket and away from higher Medicare premiums, then opens it up to live questions on Roth contribution…
The skinny
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