Mid-Career Retirement Planning Training

Federal Employees Retirement Systems (FERS)

• FERS Eligibility for Retirement
• FERS Computation of Annuity 
• FERS Creditable Civilian Service
• Retirement Deductions Never Withheld
• Making Payment to Get Credit for Service
• FERS Survivor Benefits
• FERS Disability Benefits 
• FERS Annuity Supplement
• Refund of FERS Retirement Contributions 

Thrift Savings Plan (TSP)

• Overview 
• TSP and Your Retirement Package
• Benefits of Participating 
• Earnings Potential of Your TSP Account 
• Eligibility 
• Rehired Employees 
• Investing Your TSP Account Contributions 
• TSP Funds Overview 
• Life Annuities 
• Making or Changing Your Contribution Allocation
• Borrowing from your TSP 
• In- Service Withdrawal 
• Additional Info for Service Members 
• Taxes
• Special Considerations 
• Death Benefits 

Social Security 

• Overview
• Eligibility 
• Estimate Your Benefits 
• Applying 
• Considerations 
• Windfall Elimination Provision 
• Survivors Benefits 
• Working While Receiving Benefits
• Government Pension Offset
• Earnings Limitation
• Taxation 

Retirement Benefits 

• Federal Employees Health Benefits (FEHB)
• Federal Employees Dental and Vision Insurance Program 
• Flexible Spending Account (FSA)
• Medicare 
• Disability 
• Survivor Benefits 
• Federal Employees’ Group Life Insurance (FEGLI)
• Federal Long Term Care Insurance (FLTCIP) 
• Annual and Sick Leave 
• Resources 

Making the Transition

• Creating Your Retirement Budget
• Selecting a Retirement Date
• Applying for Retirement 
• Annuities
• Phased Retirement 
• Finding Your Happiness in Retirement 

Financial Planning 

• Financial Planning Overview 
• Hiring a Financial Planner 
• Employee Assistance Program (EAP)
• Estate Planning 
• Wills 
• Trusts
• Life Insurance 
• Tax Planning 

Investing and Saving 

• The Rule of 72 
• The Power of Compound Interest 
• Asset Allocation 
• Diversification
• Dollar Cost Averaging 
• Traditional IRA’s and Roth IRA’s
• Funding College Education 
• Investment Options 
• Alternative Investments 
• Tips and Tricks for Saving 
• Short Term and Long Term Savings 

Managing Debt

• Revolving Versus Installment Debt
• Paying Off Your Mortgage
• Reverse Mortgages
• Equity Lines of Credit
• Consolidating Credit Cards
• Credit Scores and Credit History

Your Action Plan 

• Assess Your Retirement 
• Assess Your Spending 
• Assess Your Debt 
• Compare Your Income and Expenses 
• Envision Your Retirement 
• Take Action on Your Retirement