The Tactical 15: 2026 Tax Strategy for CSRS & FERS Retirees
To thrive as a federal retiree at WarriorRetirement.com , you must treat tax season with the same precision as a tactical deployment. For the 2026 filing season, the One Big Beautiful Bill Act (OBBBA) has introduced historic changes that specifically favor those in the "Second Act" of their federal careers. Here are the top 15 tax focus areas for CSRS and FERS retirees to master this year. The Tactical 15: 2026 Tax Strategy for CSRS & FERS Retirees 1. The $6,000 "Senior Bonus" Deduction The OBBBA’s headline feature is a new $6,000 additional deduction for individuals age 65 and older. This is an "above-the-line" deduction, meaning you get it even if you don't itemize. If you and your spouse are both over 65, that is $12,000 in tax-free income on top of your standard deduction. Tactical Note: Phase-outs start at $75,000 MAGI (Single) and $150,000 (Joint). 2. The Massive $40,400 SALT Cap For retirees in high-tax states...