Military Retirement Blog

Expert advice for transitioning service members

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July 27, 2026 - 20 min read

2025 Tax Law and Your Military Retirement Pay: What OBBBA Changed

The first tax season under the One Big Beautiful Bill Act just wrapped. Your pension is still fully taxable, but the lower brackets are now permanent, the SALT cap is $40,400 for 2026, and retirees 65+ get a new $6,000 deduction through 2028. Plus the two military-only provisions most coverage misses: your retirement move is still deductible, and the subsidy clawback that can bite anyone who takes a job mid-year.

Read more → Taxes New Law Senior Deduction
June 22, 2026 - 17 min read

TSP Roth In-Plan Conversions 2026: Complete Military Guide

The TSP now lets you convert Traditional to Roth without leaving the plan. Your BRS match builds a hidden Traditional balance every year. Tax bracket math by rank, the four best conversion windows, in-plan vs. rollover comparison, and 5 costly mistakes to avoid.

Read more → TSP Strategy 2026 Guide Roth Conversion
February 25, 2026 - 18 min read

Do I Pay Taxes on Military Retirement Pay? 2026 Complete Guide

Complete guide to federal and state taxes on military retirement pay in 2026. Learn which income is taxable, which is tax-free (VA disability, CRSC), how 37+ states exempt military pensions, and strategies to reduce your tax bill. Includes real examples comparing Texas vs California with dollar-for-dollar savings.

Read more → 2026 Tax Rates State Taxes Tax Planning
February 8, 2026 - 30 min read

Military Divorce & Retirement Pay Division: USFSPA, 10/10 Rule & Frozen Benefit Guide 2026

Complete guide to how military retirement pay is divided in divorce. Understand the USFSPA, the misunderstood 10/10 rule, the frozen benefit rule for post-2016 divorces, the coverture fraction formula, and what's NOT divisible (VA disability, CRSC). Includes 2026 pay examples and our new calculator divorce toggle.

Read more → Divorce & USFSPA Frozen Benefit Rule 2026 Pay Rates
📅 January 6, 2026 18 min read

TSP Roth Conversions + CZTE: Build $1M+ in Tax-Free Retirement Wealth

Starting Jan 28, 2026, TSP allows Roth in-plan conversions. Combined with Combat Zone Tax Exclusion, service members can build $80k+ in tax-free accounts in one deployment year, potentially growing to $1.3M+ over 30 years. Complete strategy guide with infographics.

Read more → TSP Strategy Deployment Finance Tax-Free Wealth

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