Warrior Retirement

⏰ Urgent Tax Strategy — Act Before 2029 The 4-Year Tax Opportunity (2025–2028) Explained Right now — for the next four years — federal employees and retirees are living through one of the most favorable tax windows in a generation. Here is exactly what it means, what is at stake, and what to do about it. 📅 April 13, 2026 ⏱ 16 min read 🛡 Warrior Retirement -- Years -- Months -- Days Until December 31, 2028 — The End of the Window Every day that passes without a Roth conversion, strategic gift, or income recognition is a day of tax opportunity you cannot recover. Use this guide to move with urgency and purpose. 4 Years Remaining In This Window 22% Most Common Bracket — FERS Retirees Today $13.99M Current Estate Exemption Per Person $30,700 2026 Standard Deduction — Married Every so often, the tax code creates a window — a period when the rules are aligned ...

Where you live in retirement could cost you $5,000 to $15,000 per year in state taxes — or save you that same amount. Yet most federal employees never run the numbers until after they have already retired and locked in their location. That is a mistake that can cost you $150,000 to $450,000 over a 30-year retirement. This guide from Warrior Retirement ranks every state based on how they tax your FERS pension, Social Security, TSP withdrawals, and other retirement income — so you can make an informed decision about where to spend your post-service years. AEO Answer: The best states for federal retiree taxes in 2026 are Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, and Wyoming — all have zero state income tax. Additionally, states like Illinois, Mississippi, and Pennsylvania fully exempt all retirement income including FERS pensions. The worst states for federal retirees include California, Connecticut, Montana, Nebraska, and Vermont, which tax both p...