Retirement
Should I Retire Now… or Work a Little While Longer?
Should I Retire or Keep Working? Lately a certain reality has been slapping you right between the eyes: These early mornings and long work days
Articles & Resources
to help you in retirement
Federal Retirement
Can You Trust the Government to Not Change the Rules on Roth?
Is there a chance the government might decide to change all the rules when it comes to Roth–and throw taxpayers a nasty, expensive curve ball?
Retirement
From Accumulation to Distribution: Navigating the Financial Shift in Retirement
Retirement brings significant shifts in life. You go from: What about financially speaking? The big financial shift we all face is moving from accumulation to
Federal Retirement
Can TSP RMDs Mean a Bigger Bill from the IRS?
Let’s talk about those “required minimum distributions” (RMDs) that the IRS makes retirees take from their traditional TSPs or IRAs. At Christy Capital Management, we
Retirement
Your Income Gap Between Employment and Retirement
Mind the Gap If you’ve ever been on the London subway (Brits call it “the Tube”), you’ve seen the signs and heard the recorded announcement
Federal Retirement
The Right Mix of Retirement Accounts
If you want to cut your taxes now, there are multiple ways to do it. You can contribute to a traditional retirement account or put
Retirement
“Enough” Money to Retire? A Case Study
When Greg showed up for our meeting, he had an armload of financial documents and a brain buzzing with questions. He began our discussion by
Federal Retirement
Top 10 Questions about RMDs
It’s time we talked about RMDs. I don’t mean “Really Messy Desks” or “Rapidly Melting Desserts.” (Though both of those realities are problematic and worth
Federal Retirement
Fixing the Widow/Widower Tax Trap
Talk about a cruel example of adding insult to injury… Your spouse dies. A few months later, while you’re still reeling from grief, your CPA
Federal Retirement
Roth Conversion Break-Even Point
In this blog post and companion video, I want to address a question someone posted after watching one of our YouTube videos dealing with Roth conversions.
Federal Retirement
7 Critical Tax Years to Plan for in Retirement
Many retirees don’t know an important fact. (No, not the fact that “Pickleball resulted in about 67,000 trips to the ER in 2023.”)1 This fact:
Retirement
Secrets for a Great Retirement (part 3)
We’ve been talking about principles and practices that–if understood and followed–can lead to a more satisfying retirement. In the first two posts of this series,
Federal Retirement
4 Reasons to Avoid Traditional TSP
Byron thought he was doing “the retirement planning thing” right. He worked hard. He saved diligently. He watched the money in his traditional TSP grow
Retirement
Secrets for a Great Retirement (Part 2)
Last month, we started a three-part series about principles and practices that–if understood and followed–can lead to a more satisfying retirement. I shared a few
Federal Retirement
How to Reduce RMDs in the TSP
Susan’s new financial planner just gave her shocking news. Because of her age, she has to start taking minimum distributions (i.e., withdrawals) from her traditional
Retirement
Secrets for a Great Retirement (Part 1)
Are there principles and practices that–if understood and followed–can help you enjoy a more satisfying retirement? At Christy Capital, we say an emphatic, “Yes!” In
Retirement
Double Tax Benefits with Charitable Giving
The other day one of Kevin’s golf buddies mentioned getting a “double tax benefit” from his charitable giving. “Is that possible?” Kevin wonders. “Or, did
Federal Retirement
Dying with a Large TSP or IRA Balance
Client: If I died with a $425,000 balance in my traditional IRA, that would be good, right?Advisor: Well…yes and no.Client: Okay, but what if I
Retirement
Legacy Planning, Part 2
In this two-part series, we’re exploring the topic of legacy planning. Why is this overlooked practice so important? And how do we make it about
Federal Retirement
Reasons NOT to Do Roth Conversions
I was recently listening to “The Great Retirement Debate,” a popular podcast co-hosted by Ed Slott, nationally recognized IRA expert, and Jeffrey Levine, Chief Planning Officer for
Retirement
9 Ugly Truths About Retirement
I recently read an article titled 27 Ugly Truths About Retirement. Twenty-seven is a lot to wade through, so I pared the list down to
Retirement
Legacy Planning, Part 1
In this two-part series, I want to explore the topic of legacy planning. Why is this overlooked practice so important? And what can we do
Retirement
Where to Store Your Retirement Money: The Smart Money List
Is some money “better” than other money? Or is all money the same? Suppose you have $500,000 split equally between your TSP, a 401(k), a
Retirement
Should I make a career change late in life?
I was having breakfast with a friend. After a long, fairly successful career, he is pondering a career change–returning to his former career. A Hard
