3 Questions Every Fed Asks (What would cause you to no longer have enough?) | Christy Capital

The three key retirement questions are: How much is enough? Will I ever have enough? And will it always be enough?
Federal employees benefit from pensions and Social Security, but they need to plan carefully to fill any financial gaps, often relying on assets like their TSP (Thrift Savings Plan).
Determining if you will always have enough requires balancing investment strategies between conservative and aggressive approaches to protect against market risks, inflation, and rising taxes.
Inflation and potential future tax hikes can erode retirement savings, making it important to plan for both through strategies like tax-efficient withdrawals or Roth conversions.
Federal employees with significant TSP balances need to consider long-term tax implications, such as required minimum distributions (RMDs) that could push them into higher tax brackets, and take steps to mitigate potential tax issues.
The information provided is not intended as tax or legal advice. Figures shown are for illustrative purposes only furthermore, the information nor the illustrations provided may not be used to avoid any tax penalties. This content represents the general views of Christy Capital Management and should not be regarded as personalized investment advice Nothing herein is intended to be a recommendation. The opinions expressed are subject to change without notice. Retirement Benefits Institute, Inc., and a portion of its contents merged with Christy Capital Management Inc. Brandon Christy, former President of Retirement Benefits Institute, is also the current President of Christy Capital Management, Inc, a registered investment adviser.

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[@erickarnell]

I plan to leave about five years of income in the G fund when I retire and transfer the rest to traditional and Roth IRAs. This will allow me to create the consistent, short-term dependable income I will spend while I work out how much I can convert to Roth each year before I would start QCDs and later be subject to RMDs.

[@Mohammadmarketer]

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