Warrior Retirement

👶 2026 Legacy Planning Legacy & Children's Accounts: The Trump Account Era A new era of children's savings is here. Here is everything federal employees and retirees need to know about building generational wealth in 2026 — including the new "Trump Accounts," 529s, custodial accounts, and Roth IRAs for kids. 📅 April 10, 2026 ⏱ 13 min read 🛡 Warrior Retirement $5,000 Trump Account One-Time Seed $36,000 2026 Gift Tax Exclusion Per Child $36,000 Annual 529 Contribution No Gift Tax $13.99M 2026 Lifetime Estate Exemption Federal employees spend decades building wealth through their TSP, FERS pension, and Social Security. But generational wealth — the kind that passes tax-efficiently to children and grandchildren — requires a completely different set of tools. In 2026, a wave of new legislation and expiring provisions is reshaping how Americans can save for children. The so-called ...

The "Big Beautiful Bill" & Your Federal Retirement: 2026 Strategy Guide Federal retirement planning in 2026 now requires navigating the intersection of SECURE 2.0 and the One Big Beautiful Bill Act (OBBBA) . As an active federal employee navigating these changes alongside you, I’ve broken down the tactical intelligence you need to protect your wealth and maximize your benefits. This is how we stay ahead of the curve at warriorretirement.com . Quick Summary: OBBBA & Feds The 2026 One Big Beautiful Bill Act (OBBBA) introduces a temporary $6,000 "Senior Bonus" tax deduction for ages 65+, raises the SALT cap to $40,400, and preserves the FERS High-3 annuity calculation. Under SECURE 2.0 , Feds earning $150k+ must now direct all TSP catch-up contributions to the Roth TSP . 1. The $6,000 "Senior Bonus" Deduction One of the most immediate "wins" for retirees in this bill is a new, temporary tax deduction aimed at reducing th...