Roth conversion timing mistakes can quietly cost federal employees thousands in unnecessary taxes. If you retire with a TSP, 401(k), or traditional IRA, the question isn’t whether to consider a Roth conversion—it’s when and how much to convert to help avoid unexpected tax bracket increases or Medicare premium adjustments.

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Mentioned in the Video

Federal Retirement Services (OPM)
https://www.opm.gov/retirement-services/

Thrift Savings Plan (TSP)
https://www.tsp.gov

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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 Roth Conversion Timing for Federal Employees
0:18 Why the First Year of Retirement Can Affect Your Taxes
0:36 Income Surprises from Annual Leave Payouts
0:54 The Roth Conversion Mistake of Taking No Action
1:10 How Current Tax Brackets Impact Retirement Planning
1:36 Why Delaying Planning Can Reduce Opportunities
1:52 Understanding Your Retirement Tax Brackets
2:05 IRMAA and Medicare Premium Considerations
2:20 How Roth Conversions May Influence Future Taxes
2:34 Next Steps for Your TSP, IRA, or 401(k)

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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