Q. Why is the government taxing my retirement money when it’s already been taxed?

A. Is it? Please provide a specific example. Your TSP distributions were not taxed before you contributed the money. Your CSRS or FERS annuity payments are partially tax-exempt, allowing the return of your contributions to be excluded from re-taxation during your lifetime.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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