TSP and 401(k) withdrawals can create an unexpected tax bill when withholding does not match your actual tax bracket, state tax exposure, and total retirement income. In this episode, we break down what federal employees and retirees should check before filing so they can better understand how TSP withdrawals, 401(k) distributions, Roth rules, and 1099-R reporting work together.

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👋 WHO ARE WE?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
0:00 Tax Deadline Alert for TSP and 401(k) Withdrawals
1:09 Why Federal Employees Owe More at Tax Time
2:15 State Income Tax and Retirement Withdrawal Surprises
3:43 How TSP Withholding Can Fall Short
4:17 Traditional TSP vs Roth TSP Withdrawal Rules
7:19 Roth TSP Age 59½ and 5-Year Rule
8:28 Tax Filing Checklist Before You Submit
9:22 Why You Should Verify Your 1099-R
10:19 Direct Rollover vs Taxable Distribution
11:17 Real Example of a Large Withdrawal Tax Problem
15:08 When to Work With a Tax Professional
19:52 What to Change Now for Next Year’s Taxes

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

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