If you’re a federal employee or retiree covered under FERS or CSRS, where you live in retirement can make a six-figure difference over time. In this episode, Andrew McNair, founder of SWAN Capital, breaks down which states do not tax federal pensions and why taxes alone should never be the only factor when deciding where to retire. You’ll learn:

• Which states currently do not tax FERS and CSRS pensions
• How state taxes quietly erode your retirement income over time
• Why cost of living, healthcare access, and community matter just as much as tax savings
• How relocating could help your TSP stretch further—or even allow you to retire earlier
• Common mistakes federal retirees make when choosing a “tax-friendly” state

Andrew also explains how smart planning around TSP contributions, Roth vs. Traditional strategies, and relocation timing can dramatically improve how much you keep, not just how much you earn.

Bottom line: You don’t spend gross income in retirement - you spend net. If you want personalized guidance, our team includes financial planners, a CPA, and an estate planning attorney, all under one roof, serving federal employees nationwide.

Schedule your complimentary Federal Retirement Benefit Report:
Call 1-800-848-8768 or email [email protected]

Subscribe for more episodes breaking down federal retirement benefits in plain English.

 If you’d like help reviewing your TSP allocation or creating a personalized federal retirement strategy, schedule your complimentary visit today: https://calendly.com/swancapital_/nocostconsultation  

To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.