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#144

It’s the final stretch of the year, and for federal employees and retirees, this is when costly tax mistakes often occur. In this episode, Micah Shilanski, Wealth Advisor, and Luke Eberly, Wealth Advisor, discuss the year-end action items they are working on with clients right now. They also talk about the steps you can take in January 2026 to help you have a smoother, more tax-efficient retirement. What we cover: RMDs (age 73+): why missing a deadline can trigger steep penalties Inherited accounts and why the rules depend on when the original owner passed away QCDs (70½+): how to give to charity in a way that counts toward RMDs and reduces taxes, and why it’s important for checks to clear on time Roth conversions: tax planning wins (and common mistakes) Estimated taxes + Q4 payments (due Jan 15): how to avoid IRS underpayment penalties The overlooked form that can save you from a penalty: Form 2210 2026 contribution updates: TSP, HSA, Roth IRA (including catch-up rules and the '60 to 63' window) A simple action item that most people skip: being aware of your cashflow, which is the foundation of retirement confidence. If you are within 5 to 10 years of retirement, or already retired, this episode will help you think of a plan to avoid last-minute surprises and start 2026 with a proactive plan. 🎧 Listen to the full episode and share it with a federal coworker who needs it: — If you want to make sure you take the right step while handling your federal benefits, schedule a consultation call with one of our advisors today - https://zurl.co/PWkw Have a retirement question on your mind? Give us a call at 907-931-1775 and leave us your question - we're here to create solutions that fit your goals! ➡️Get your RSCD guide here: https://zurl.co/Kb2qv 📅 Need expert help with your retirement planning? Schedule a call today: https://zurl.co/AiAC 🌐 Visit our website: https://zurl.co/ykNww 📲Follow us on Facebook: https://zurl.co/Kuetk 📺 Subscribe to our YouTube channel: https://zurl.co/iBVAb Ready to take control of your retirement? Tune in to our podcast for expert tips on federal benefits. We are available on: iTunes: https://zurl.co/rBAoc Amazon Music: https://zurl.co/eoEmt Spotify: https://zurl.co/fcCE7 Happy Planning!