Course Outline
Module 1: Federal Employment Retirement Systems
- FERS Eligibility For Retirement
- FERS Computation of Annuity
- FERS Creditable Civilian Service
- FERS Creditable Military Service
- Retirement Deductions Never Withheld
- Making Payment to Get Credit for Service
- FERS Survivor and Disability Benefits
- FERS Annuity Supplement
- Refund of FERS Retirement Contribution
Module 2: Thrift Savings Plan
- 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
- Taxes, Special Considerations and Death Benefits
Module 3: Social Security
- Eligibility
- Estimate Your Benefits
- Applying
- Considerations
- Windfall Elimination Provision
- Survivor Benefits
- Working While Receiving Benefits
- Government Pension Offset
- Earnings Limitation
- Taxation
Module 4: Civil Service Retirement System (CSRS)
- CSRS Eligibility for Retirement
- CSRS Computation of Annuity
- CSRS Creditable Civilian Service
- CSRS Creditable Military Service
- CSRS Survivor Benefits
- CSRS Disability
- Voluntary Contributions
- FERS Annuity Supplement
Module 5: Retirement Benefits
- Federal Employees Health Benefits (FEHB)
- Federal Employees Dental and Vision Insurance Program
- Flexible Spending Account (FSA)
- Medicare
- Disability
- Survivor Benefits
- Federal Employee's Group Life Insurance (FEGLI)
- Annual and Sick Leave
Module 6: Making The Transition
- Creating Your Retirement Budget
- Selecting a Retirement Date
- Setting Retirement Goals
- Applying for Retirement
- Annuities
- Phased Retirement
- Finding Your Happiness in Retirement
Module 7: Financial Planning
- Overview
- Hiring a Financial Planner
- Employee Assistance Program (EAP)
- Estate Planning
- Wills
- Trusts
- Life Insurance
- Tax Planning
Module 8: Investing and Saving
- The Rule of 72
- The Power of Compund Interest
- Asset Allocation
- Diversification
- Dollar Cost Averaging
- Traditional IRA's and Roth IRA'S
- Funding College Education
- Investment Options
- Alternative Investments
Module 9: Managing Debt
- Revolving Versus Installment Debt
- Paying off Your Mortgage
- Reverse Mortgage
- Equity Lines of Credit
- Consolidating Credit Cards
- Credit Scores and Credit History
Module 10: Your Action Plan
- Assess Your Spending
- Assess Your Debt
- Assess Your Retirement Income
- Compare Your Income and Expenses
- Envision Your Retirement
- Take Action on Your Retirement