Federal Employees Retirement & Benefits Podcast by CD Financial

Author: Charles Dzama

The objective of this podcast is to educate and enlighten you about your federal benefits and to guide you in creating a well-formed retirement income plan. Schedule your complimentary 15-minute phone call today! https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call
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Federal Employees Missing This TSP 401k Tax Deadline? Here's What Happens
Episode 97
Thursday, 9 April, 2026

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.Checklist Challenge: https://cdfinancial.org/checklist-challenge/FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeNewsletter: https://cdfinancial.com/newsletter👋 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.⏱ TIMESTAMPS0:00 Tax Deadline Alert for TSP and 401(k) Withdrawals1:09 Why Federal Employees Owe More at Tax Time2:15 State Income Tax and Retirement Withdrawal Surprises3:43 How TSP Withholding Can Fall Short4:17 Traditional TSP vs Roth TSP Withdrawal Rules7:19 Roth TSP Age 59½ and 5-Year Rule8:28 Tax Filing Checklist Before You Submit9:22 Why You Should Verify Your 1099-R10:19 Direct Rollover vs Taxable Distribution11:17 Real Example of a Large Withdrawal Tax Problem15:08 When to Work With a Tax Professional19:52 What to Change Now for Next Year’s TaxesAdvisory 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.Support the show