{"id":111,"date":"2026-09-02T13:00:00","date_gmt":"2026-09-02T13:00:00","guid":{"rendered":"https:\/\/www.drsunilpatel.us\/blog\/?p=111"},"modified":"2026-09-02T13:00:00","modified_gmt":"2026-09-02T13:00:00","slug":"retirement-traps-new-federal-retirees-miss","status":"publish","type":"post","link":"https:\/\/www.drsunilpatel.us\/blog\/2026\/09\/retirement-traps-new-federal-retirees-miss\/","title":{"rendered":"Retirement Traps New Federal Retirees Miss"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/sunil-patel-1\/retirement-traps-feds-remotion-videos-cd08\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>New federal retirees can face pension delays lasting several mo, so retirement readiness also means keeping enough accessible cash for the transition.<br \/>\nRetirement changes the tax mix as pension income, TSP withdrawals, Social Security, Roth conversions and RMDs interact differently than they did during working yrs.<br \/>\nAnnual leave payouts can lift taxable income in the retirement year, while lower post-retirement income may let some retirees request Medicare surcharge reconsideration.<br \/>\nLongtime savers may struggle to spend from TSP, yet early retirement yrs can be prime time for travel, family time and planned enjoyment.<br \/>\nSurvivor benefit choices can affect a spouse\u2019s federal health eligibility, reminding retirees to coordinate pension, TSP, taxes, health care and investments intentionally.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>New federal retirees can face pension delays lasting several mo, so retirement readiness also means keeping enough accessible cash for the transition. Retirement changes the tax mix as pension income, TSP withdrawals, Social Security, Roth conversions and RMDs interact differently than they did during working yrs. Annual leave payouts can lift taxable income in the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-111","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts\/111","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/comments?post=111"}],"version-history":[{"count":0,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts\/111\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/media?parent=111"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/categories?post=111"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/tags?post=111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}