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Blog

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Chris Reddick | Oct 19, 2026

401(a) vs 403(b) vs 457(b) in 2026: Which Retirement Plan Is Best for Public Employees?

Retirement
Compare 401(a), 403(b) and 457(b) plans for public employees, including 2026 contribution limits, catch-up rules, and penalty-free 457(b) withdrawals.
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Chris Reddick | Oct 3, 2026

403(b) and 457(b) Catch-Up Contributions: The 2026 Rules

Retirement

You're past 50, retirement is in sight, and you want to put more away while the paychecks are still coming. That is what catch-up contributions are for, and

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Chris Reddick | Oct 3, 2026

Pension Survivor Benefit Options: Which Should You Choose?

Pension

A few weeks before you retire, your pension system sends a form with a short list of boxes. One box pays you the most each month and stops when you die. The

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Chris Reddick | Oct 3, 2026

Working After Retirement: Public Pension Rules to Know

Retirement

You've turned in your retirement paperwork, and then the phone rings. Your old district needs a long-term sub, or an agency wants you back part time. Can you

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Chris Reddick | Sep 21, 2026

5 Roth Conversion Questions Public & Federal Employees Actually Ask

Tax Planning

Whether you're a teacher covered by TRS, a city employee under TMRS, a state worker in ERS, a county employee in TCDRS, a firefighter or police officer in a

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Chris Reddick | Sep 1, 2026

2026 Roth Conversion Tax Planning for Public Servants

Tax Planning

If you're a teacher, professor, or public employee eyeing retirement, you've probably heard people talk about Roth conversions like they're a magic trick for

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Chris Reddick | Aug 1, 2026

Early Retirement and ACA: Your Income Determines Your Subsidy (2026)

Retirement

If you're planning to retire before age 65, you'll need a way to cover health insurance until Medicare begins — and for most early retirees, that means a plan

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Chris Reddick | Jul 5, 2026

2026 Retirement Tax Blueprint for Educators & Public Servants

Tax Planning

Whether you're a teacher covered by a state pension system, a federal employee under FERS, or another public servant with a defined-benefit plan, 2026 is not a

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Chris Reddick | Jun 19, 2026

Why I'm a Boglehead: My Investment Philosophy

Investments

If you've ever sat across from a financial advisor and walked away more confused than when you arrived, you've felt the problem I built my practice to solve

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Chris Reddick | Jun 13, 2026

How to Reduce or Delay RMDs from Pre-Tax Accounts

Tax Planning

If you've spent decades contributing to a traditional IRA, 401(k), 403(b), or similar pre-tax retirement account, you've been building wealth with the promise

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Roth Conversions for Texas Teachers — CRFP Blog Featured Image Editorial illustration for the CRFP blog post on Roth conversion strategy for Texas TRS pension holders. Shows a TRS pension document, tax bracket strategy, Roth IRA growth chart, and OBBBA senior deduction callout against a deep navy background. TEACHER RETIREMENT SYSTEM OF TEXAS Annual pension benefit $48,000 Retirement date Age 62 Years of service 30 years 403(b) balance $250,000 ROTH CONVERSION PLAN conversion progress TAX BRACKET STRATEGY 10% full 12% partial 22% avoid 24% IRMAA ROTH IRA — TAX-FREE GROWTH yr 1 yr 2 yr 3 yr 4 yr 5 yr 6 $0 tax OBBBA Senior Deduction 2025–2028 +$12,000 bracket room expires 2028 Roth Conversions for Texas Teachers Why your TRS pension changes everything — 2026 guide CHRISREDDICKFP.COM CFP® · EA · RICP®
Chris Reddick | Jun 1, 2026

Roth Conversions for Texas Teachers: Why Your TRS Pension Changes Everything (2026)

Tax Planning

If you teach in Texas, the standard advice about Roth conversions was probably written for someone else. Most articles assume you have a clean "income gap"

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aerial view of road surrounded by trees by Kimon Maritz courtesy of Unsplash.
Chris Reddick | May 20, 2026

TRS Rule of 80 Calculator (2026): When Can a Texas Teacher Retire?

Pension

If you teach in a Texas public school, the single most important question you can answer about your retirement is: when will my age plus years of service equal

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