If you're a married federal employee in your 50s or early 60s with most of your savings in the traditional Thrift Savings Plan, you might be wondering how required minimum distributions will affect your taxes and retirement paycheck. Many federal employees have never seen their FERS pension, Social Security, and future RMDs all on one page, which can lead to nasty surprises in their 70s.

In this episode of Confident Federal Retirement, you will learn

• What required minimum distributions are
• How RMDs stack on top of your FERS pension and Social Security in your 70s
• A real-world style case study of a federal couple whose income jumped more than they expected
• How RMDs can push you into higher tax brackets and trigger Medicare IRMAA surcharges
• Five simple steps to map your own "income stack" and spot your gap years
• When it might make sense to explore Roth conversions or shifting your savings mix

---

When you're ready for a personalized plan built around your specific federal benefits, visit https://gtwealthguide.com/federal-blueprint to request your free Federal Retirement Blueprint. We'll map out your federal benefits, TSP, Social Security, and tax plan on one page so you can retire from federal service without guessing.

---

Get your copy of the Federal Retirement Readiness Blueprint: a 7‑step checklist to pick the right retirement date and see what will actually hit your bank account after survivor benefits, FEHB, and taxes: https://gtwealth.kit.com/federal-retirement-readiness