Fedwise Advisors

03/09/2026

2026 Q1 Market Commentary

The investment landscape in 2026 may look very different from what investors experienced in 2025. Shifting economic conditions, interest rate expectations, and changing market leadership are creating new opportunities and new risks for portfolios.

The investment landscape in 2026 may look very different from what investors experienced in 2025. Shifting economic conditions, interest rate expectations, a...

03/02/2026

On March 1, 2025, we set out to help federal employees navigate retirement with total confidence.

To celebrate, we’re sending out some *thank you* surprises to our current clients this week.

We wouldn’t be here without your trust, so we wanted to share a little something to mark the milestone. 🦉🎁

Whether you’ve been with us from day one, or you’re just joining the journey, thank you for being part of the community.

02/28/2026

As we close out Black History Month, we want to take a moment to recognize pioneers, this list is not exhaustive, whose impact continues to shape the financial industry today:

Joseph L. Searles III - broke barriers as the first Black member of the New York Stock Exchange, expanding representation in capital markets.

Maggie Lena Walker - became the first African American woman to charter and lead a bank in the United States, championing financial independence and community empowerment.

Ernesta G. Procope - built one of the largest Black-owned insurance brokerages in the country and helped create greater access and opportunity within the industry.

Their courage and leadership helped open doors that continue to influence finance today, and their legacies remain an important part of the story we carry forward.

02/24/2026

FERS Annuity:

For many retirees, interim payments start a few months after retirement at about 60-80% of the full benefit.

Once finalized, OPM reconciles any missed payments and adjusts the annuity going forward.

02/17/2026

The Year of the Horse in the Chinese zodiac symbolizes vitality, independence, and forward momentum. This year also brings a dynamic, energetic influence that encourages ambition, confident action, and progress. It's a time to stay focused, adaptable, and open to new possibilities.

02/16/2026

Recognizing the leadership, vision, and long-term thinking that shaped this country.

Strong leadership requires discipline. So does building a retirement plan that lasts.

Honor the past. Plan the future.

02/15/2026

Wrong order of withdrawing = More taxes for Uncle Sam.

Pulling from accounts in the wrong order can potentially have you paying Uncle Sam more than you need.

Most retirees focus on how much they saved. Almost no one thinks about how they’ll withdraw it.

02/14/2026

Roses are red. Violets are blue.

If you’re a federal employee, your TSP deserves attention too.

Maxing your TSP isn’t just about hitting a number. It’s about building flexibility, confidence, and long-term income you can rely on.

02/04/2026

Many retirees focus on how much they’ve saved, but far fewer think through how they’ll withdraw it.

The order you pull from taxable, tax-deferred, and tax-free accounts can have a major impact on taxes, income longevity, and flexibility in retirement.

This is why distribution planning deserves as much attention as accumulation.

02/02/2026

Federal employees are facing an important retirement planning change that began January 1, 2026.

If your 2025 wages exceeded $150,000, all TSP catch-up contributions for those age 50 and older must now be made as Roth contributions. Pre-tax catch-ups are no longer permitted for higher-income earners.

What this means:
• Catch-up contributions are made with after-tax Roth dollars
• Taxes are paid upfront, with potential tax-free growth and withdrawals later
• Long-term tax planning becomes more important, especially for earlier retirees
• Proactive income management before RMDs can help reduce future tax pressure

01/27/2026

Think the 10 year inherited IRA rule means you can wait until year ten? Not always.

If the original owner was already taking RMDs, those distributions may still be required every year, even after inheritance.

🦉 Request a 1:1 Complimentary Meeting: 👉 https://www.fedwiseadvisors.com/meetwithus🇺🇸 🔗 Secure Act of 2019 👉 https://www.congress.gov/bill/116th-congre...