Federal Employee: 58 with $2.2M - When Can He Retire?

What does retirement planning look like after you’ve already confirmed you can retire?

In today’s case study, we walk through the planning questions facing a 57 soon to be 58-year-old federal employee preparing to retire later this year at MRA + 30. He’s in a strong financial position—but his biggest concerns aren’t about eligibility. They’re about making smart decisions around taxes, income timing, and protecting a future spouse.

This video is not about whether retirement is possible.
It’s about how to retire well.

We focus on three core planning areas:

• Building and stress-testing a retirement income worksheet
• Reviewing a strong balance sheet with a large pre-tax TSP
• Understanding tax brackets, Roth conversions, and potential IRMAA exposure

Along the way, we explore real trade-offs around spending levels, withdrawal rates, Social Security timing, survivor benefits, and how small decisions today can have a meaningful impact later in retirement.

Topics discussed include:
• Managing a large pre-tax TSP balance
• Roth conversion strategy considerations
• FERS pension timing and survivor benefit planning
• Special Retirement Supplement (SRS) overview
• Social Security timing trade-offs
• IRMAA and Medicare premium awareness
• Portfolio income planning and withdrawal risk

This is a realistic look at the “how” questions many federal employees face in the final years before retirement—especially those with strong balances who want to avoid unnecessary surprises.

📌 This video is for educational purposes only and does not constitute individualized financial advice.

If you’re a federal employee approaching retirement and want help thinking through these decisions, feel free to explore more resources on the channel or reach out to schedule a conversation.

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