Chris Reddick Financial Planning, LLC

Chris Reddick Financial Planning (CRFP) is a San Antonio-based fee-only and advice-only financial planning firm. We specialize in retirement, investment, tax planning, and financial planning, especially for public service professionals and educators. We take an education values-based approach that encourages learning about your financial situation, inspiring you to take action, and working with you to achieve your financial goals. As a result, we move clients from feeling restricted and overwhelmed about their finances to feeling focused and empowered. We offer hourly, project, and monthly subscription financial planning. We serve clients locally in the San Antonio area and virtually nationwide.

 

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Latest Blog Post

Featured image: 5 Roth Conversion Questions Public & Federal Employees Ask (2026) Editorial illustration showing five Q&A cards for public employees, pension system icons for TRS/TMRS/FERS/CSRS, and tax bracket and IRMAA data visualizations, set against a deep navy background. PENSION SYSTEMS COVERED TRS TMRS ERS TCDRS City Funds FERS CSRS Texas teachers & universities Texas city & municipal Texas state employees Texas county employees Police, fire, municipal Federal workers (post-1987) Federal workers (pre-1984) SAME CORE CHALLENGE Pension → income floor → bracket compression → IRMAA risk TSP (federal) or 403b/457b (state/local) 2026 TAX BRACKETS — MFJ 10% 12% 22% 24%+ rare target if justified avoid $24,801–$100,800 $100,801–$211,400 2026 IRMAA THRESHOLDS — MFJ ≤ $218,000 $218,001 – $274,000 $274,001 – $346,000 $346,001 – $410,000 $410,001 – $750,000 $202.90/mo · $0 surcharge $284.10/mo · +$974/yr/person $406.90/mo · +$2,448/yr $443.90/mo · +$2,892/yr $554.90/mo · +$4,224/yr OBBBA Senior Deduction — expires 2028 +$6,000/person (age 65+) · +$12,000/couple · phases out at $150k MAGI (MFJ) TSP · 403(b) · 457(b) All trigger same bracket + IRMAA rules WEP / GPO repealed Jan 2025 Recalculate if planned before Jan 2025 5 Roth Conversion Questions Public & Federal Employees Ask TRS · TMRS · ERS · TCDRS · FERS · CSRS · City & Fire Pension Funds CHRISREDDICKFP.COM CFP® · EA · RICP®

5 Roth Conversion Questions Public & Federal Employees Actually Ask

by Chris Reddick on
Categories
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 local pension fund, or a federal employee under FERS, you face a version of the same challenge: you have a defined-benefit pension, and most...

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®

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

by Chris Reddick on
Categories
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" between retirement and when your Social Security and required minimum distributions (RMDs) kick in — low-income years you can use to convert...

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