Pre-Retirement Planning Training

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

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

Social Security

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

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

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

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

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 Compund Interest
• Asset Allocation
• Diversification
• Dollar Cost Averaging
• Traditional IRA’s and Roth IRA’S
• Funding College Education
• Investment Options
• Alternative Investments

Managing Debt

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

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