GT Wealth

GT Wealth Federal employees retire confidently. FERS, TSP & tax planning for couples 55–65 in federal service.

Get your free Federal Retirement Readiness Blueprint 👉 gtwealth.kit.com/federal-retirement-readiness Hi, I’m Tom 👋 , a Certified Financial Planner™ and founder of GT Wealth. We help successful families and business owners slow down, get intentional, and build a life they never want to retire from. One that's aligned with their values, goals, and vision for the future. Whether you're planning your

next chapter or already retired, our GT LifePath process helps you create clarity, purpose, and financial confidence.

📍 Based in PA | Working virtually with clients across the U.S.
👨‍👩‍👧‍👦 Husband & dad of two
💪 Runner, drummer, lifelong learner
🎧 Always got a podcast on

Visit us at www.gtwealthguide.com to learn more!

06/03/2026

Most federal employees wait until the last year before retirement to figure this stuff out. That's when the painful mistakes happen.

Today I walk through a simple 7-step checklist for your final 12 months so you're not scrambling at the end.

- Service computation date
- Pension and TSP income stack
- Retirement date
- TSP withdrawal plan
- FEHB and Medicare
- Survivor benefit
- Beneficiaries and legal docs

Work through these before you retire and you will be in a much better spot than the average fed who waits until the last minute.

06/01/2026

Your Federal pension, future Social Security, TSP, IRAs, and cash can all look good on paper, but just saying, “we’ll just pull the difference from TSP” is not a real plan.

A better question to ask is, “How much do we need, from which account, in which years, and what does that do to our taxes over time?”

If you're a federal employee within about 10 years of retirement, watch this and save it before you start guessing on withdrawals.

05/31/2026

Most federal employees I talk to are planning their entire retirement around one number on a piece of paper. The FERS pension estimate from OPM.

The problem is, that pension is not your retirement paycheck.

In this new video I walk through a simple way to figure out what your retirement paycheck actually needs to be based on your LES, and how your three real paychecks work together

- Your FERS pension
- Social Security
- Your TSP and other investments

I also share a real example of a 62 year old fed and show what happens when the pension, Social Security, and TSP do and do not line up with his lifestyle number.

If you’re a federal employee in your 50s or early 60s and want to stop guessing, give it a watch.

05/30/2026

Most federal employees never double‑check this one number before they retire.

Your Service Computation Date sounds like a small admin line, but it drives your pension, your eligibility, and your survivor benefits. If it's wrong, all of your retirement math can be off.

In this video I walk you through Step 1 of my 7 step checklist for your final 12 months before retirement. Pull your latest SF‑50, find your SCD, and make sure HR has every bit of your credible service recorded, including any military time.

If you want help walking through the full 7 step checklist with your own numbers, you can schedule a complimentary Federal Retirement Blueprint call on my homepage.

05/29/2026

If you're a federal employee in your late 50s or early 60s, one of the biggest dangers in retirement is pulling money from your TSP during a market drop.

That's when you can be forced to sell low just to pay the bills, your withdrawals start to feel too high, and your whole plan begins to feel shaky.

Under FERS, your pension and Social Security are your base paycheck. The TSP is there to cover the gap and last 20 to 30 years, which means it should be invested based on your actual retirement income plan, not just based on your age.

If you're a federal employee within about 10 years of retirement, watch this and save it before you change your TSP investments.

05/28/2026

If you're a federal employee near retirement, having enough money in a variety of accounts is not the same thing as having a real income plan.

Your FERS pension, Social Security, TSP, IRAs, and cash can all look good on paper, but if your only strategy is “we’ll just pull the difference from TSP,” you can create extra tax pressure and put too much stress on that one account, especially if the market is down.

A better way is to treat your pension and Social Security as your base paycheck, and use TSP and other assets as flexible tools you tap into on purpose, not just in emergencies. That's usually where real retirement confidence comes from.

If you're a federal employee within about 10 years of retirement, watch this and save it before you start “winging it” with TSP withdrawals.

05/27/2026

If you're a federal employee near retirement and you have a TSP balance, guessing your way through withdrawals is what keeps most people up at night.

A simple way to fix that is to map your floor and your gap, then build a 5 year “sleep at night” bucket inside your TSP.

Your pension and Social Security are the floor.
The gap is what your TSP has to cover.

About 5 years of that gap goes in more conservative funds and the rest can stay invested for long term growth. So when markets drop, you're drawing from the stable bucket, not forced to sell your growth funds at the worst time.

If you're a federal employee within about 5 to 10 years of retirement, watch this and save it before you start pulling money from your TSP.

05/25/2026

Retiring a few months too early can cost you for the rest of your life.

Most FERS employees I talk to are just tired and ready to be done. But I also see people walk away right before a key FERS milestone and end up with a smaller pension and no FEHB in retirement, when waiting 3-6 months could have changed everything.

If you are anywhere near your Minimum Retirement Age, 20 years, or 30 years of service, please do not just circle a date and hope it works out.

First ask:

- Which FERS rule will I qualify under if I leave on my planned date
- What changes if I wait 3–6 months
- Does that move me into a better category, protect my FEHB, or remove an age reduction

This short video walks through a simple example of someone who is 59 years and 9 months old with 20 years of service, and what happens if they wait to hit age 60 with 20 years instead of leaving early.

If you want help running your own numbers, you can check out the free Federal Retirement Blueprint on my website or shoot me a message and I will see where I can help.

05/24/2026

If you're a federal employee in your late 50s or early 60s, your retirement date is not the same thing as your retirement plan.

Most of the painful mistakes I see happen are in the final 12 months.

- A missed service credit
- An overlooked FEHB rule
- A rushed survivor election
- No real TSP withdrawal strategy

Work through a simple 7-step checklist and you can retire with far less stress, knowing your pension, TSP, Social Security, FEHB, and survivor benefits are actually working together.

If you are within 5 to 10 years of retiring from federal service, watch this and save it before you submit your paperwork.

05/23/2026

If you're a federal employee near retirement, the hard part is not getting to your retirement date.
It's what happens in the first bad market after you stop working.

If your TSP is set up the wrong way, a 20–30% drop early in retirement can force you to sell low just to pay the bills, push your withdrawals too high, and make your whole plan feel shaky.

The good news is you can build a simple setup that protects the next few years of income, uses your pension and Social Security as a base paycheck, and keeps you from paying more tax than you need to or leaving a mess for your spouse.

If you're a federal employee within about 10 years of retirement, watch this and save it before you start pulling money from your TSP.

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