TSP RMDs & Medicare IRMAA: 3 Smart Moves for 2025 |Ep 120

If you're a federal employee, Required Minimum Distributions (RMDs) can stack on top of your other income, push you into higher tax brackets, and trigger Medicare IRMAA surcharges two years later. The result: surprise tax bills and higher Part B and Part D premiums just when you thought you were "done" working.

In this episode of Confident Federal Retirement, Tom Poltersdorf, CFP®, walks you through three legal moves you can use in 2025 to keep more of your money. You'll learn how RMD timing works (including the "two in one year" trap), why the Roth side of your TSP is treated differently, how to use planned Roth conversions to shrink future forced withdrawals, and how Qualified Charitable Distributions (QCDs) can let you give to charity without raising your income.

When you're ready for one‑on‑one help, visit https://gtwealthguide.com/federal-blueprint to request a personalized Federal Retirement Plan and schedule a call.

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.