# Fed Legacy

> Fed Legacy (Legacy Empower Corp) is a federal retirement planning firm founded in 2009 in Washington, DC and now based in Denver, Colorado. It works with U.S. federal employees and retirees under FERS nationwide on TSP income and Roth conversions, the FERS pension and supplement, FEGLI, survivor benefit decisions and estate planning (through Fed Trust & Wills). The first consultation is free. Founder and President: William Smith Jr., Series 65.

## Key pages
- [Home](https://fedlegacy.com/): what Fed Legacy does and the Retirement F.I.N.I.S.H. Line
- [Who we are](https://fedlegacy.com/who-we-are/): William Smith Jr. and the team
- [How we help](https://fedlegacy.com/how-we-help/): TSP, tax, FEGLI, income, safe money and legacy planning
- [Blog](https://fedlegacy.com/blog/): guides for federal employees
- [Schedule a consultation](https://advisors.fedlegacy.com/book-discovery)

## Guides
- [Should You Pay Off Debt Before You Retire? Debt, Cash Flow and Federal Retirement Timing](https://fedlegacy.com/debt-cash-flow-before-federal-retirement/): How credit cards, car notes, student loans and your mortgage affect whether your federal retirement money lasts, how much cash to save before your first FERS annuity payment, and when TSP withdrawals are taxed least.
- [Which Federal Pay Stub Deductions Stop When You Retire? The FERS Paycheck Test](https://fedlegacy.com/fers-paycheck-deductions-that-stop-in-retirement/): When a federal employee retires, Social Security tax (OASDI), Medicare tax, the FERS contribution and TSP contributions stop. Here is how to compare your working paycheck to your FERS retirement income, estimate your pension, and size the gap.
- [Your Last 90 Days as a Federal Employee: The Retirement Execution Sprint](https://fedlegacy.com/last-90-days-before-federal-retirement/): A 90-day checklist for federal employees retiring this year: what to gather, when to submit your retirement application, FEGLI and survivor benefit decisions, TSP withdrawal timing and the cash you need before your first annuity payment.
- [Is Your TSP Ready to Pay You? How to Take It Out of Park](https://fedlegacy.com/tsp-out-of-park/): Why keeping too much in the G Fund costs federal employees buying power, how TSP contribution allocations and interfund transfers differ, how the 5% match works with Roth, and how TSP withdrawals are taxed.
- [Before You Convert Your TSP to Roth, Can You Cover the Tax Bill?](https://fedlegacy.com/tsp-roth-conversion-tax-bill/): TSP in-plan Roth conversions launched January 28, 2026, but the TSP withholds no tax. How to pay the bill, when to convert, and the IRMAA and bracket lines federal retirees should watch.

## Video
- [YouTube @fedlegacy](https://www.youtube.com/@fedlegacy): weekly Wednesday federal retirement webinar

## Notes
- Educational content reflecting 2026 rules; not individual tax, legal or investment advice.
- Fed Legacy is not affiliated with OPM, the FRTIB or any federal agency.