An Overview of FERS & CSRS SurvivorshipDifferences between the two retirement systems’ benefitsQualifying relativesCost of electing benefitsWhat forms should be filled out to ensure qualifying relatives receive the survivorshipOther Information for FERS & CSRS AnnuitantsSpousal Survivor annuities (including former spouses)Cost to give an insurable interest survivor annuityInformation about the basic employee death benefitChild an...

An Overview of Financial Planning for Federal EmployeesSetting goalsPractical considerationsProjecting future income needsHow much money will you need saved when you retire?How do your retirement benefits come into play?The Retirement “Tripod”CSRS and FERS annuities, plus military pensionsSocial Security benefitsTSP, IRAs, and other savings/investmentsEd thoroughly explores all 3 components! Other Information to ConsiderHealth Insu...

An Overview of Life Insurance for Federal EmployeesGroup Life, including the Federal Employee Group Life Insurance Plan (FEGLI), and individual like policies from private companies, with information about term life insurance versus permanent or whole life insurance Understanding the FEGLI PlanIn depth education about FEGLI Basic, and Options A, B, and C- including considerations all feds should make about FEGLI when approaching retirement Othe...

An Overview of CSRS & Different Types of RetirementTypes of service used for determining eligibility to retire under CSRSEmployee and agency contributions to CSRSMilitary service and temporary timeThe CSRS annuity computationMinimum age and service requirementsEarly retirement and deferred retirementUnderstanding the Annuity ComputationAmount of an annuityLength of service and unused sick leaveHigh-3 average salaryEffective date of your an...

An Overview of the 4 Types of Social Security BenefitsRetirement, disability, survivor, MedicareEligiblity requirements for each type,How the amounts are calculatedHow they apply to the financial plans of federal employees, both FERS and CSRS employeesUnderstanding the Common PitfallsThe Windfall Elimination Program for CSRSEarnings TestSpecial Retirement Supplement for FERSGovernment Pension Offsets (GPO)How the benefits are taxedInformation...

An Overview of FERS for Special Provision EmployeesJob classificationsTypes of Retirement PlansMandatory Payroll WithholdingsInformation on the TSPRetirement PlanningMilitary ServiceCalculating Your FERS AnnuityRedeposits and DepositsMinimum Retirement AgesSick and Annual LeaveCalculating Years of ServiceHigh-3 Average SalaryOther Information for FERS Workers with Special ProvisionsThe Special Retirement SupplementBest times to retireCOLAs......

An Overview of FERS & CSRS SurvivorshipDifferences between the two retirement systems’ benefitsQualifying relativesCost of electing benefitsWhat forms should be filled out to ensure qualifying relatives receive the survivorshipOther Information for FERS & CSRS AnnuitantsSpousal Survivor annuities (including former spouses)Cost to give an insurable interest survivor annuityInformation about the basic employee death benefitChild an...

A Detailed Overview of Long-Term Care InsuranceCostsInflation protectionBenefit amountsWaiting periodsActivities of daily livingEverything you need to know to make a decision about LTC insurance.Understanding Your LTC OptionsPros and cons of the Federal LTC Insurance ProgramAlternatives to LTC insurance... plus more information about Long Term Care insurance specifically for federal employees, federal retirees, and their families.

The Basic Steps-What information to gather and analyze, what decisions need to be made (plus suggestions to help your choices), and how and when to review periodically. Why A Plan is NeededWhat happens to an estate post-mortem?Information about trusts, probate, the titling of propertyTax implications... plus more information about estate planning for federal employees and their families.

An Overview of TSP for Special Provision EmployeesHow TSP fits into a special provisions employee's overall retirementHow much to contributeTraditional vs. Roth TSPCan special provisions employees also contribute to an IRA?Investment optionsMilitary TSP AccountsAdvantages and Disadvantages of TSP loansTSP Withdrawals... and more!