An Overview of FERS & Different Types of RetirementTypes of service used for determining eligibility to retire under FERSEmployee and agency contributions to FERSMilitary service and temporary timeThe FERS annuity computationMinimum age and service requirementsEarly retirementDeferred retirement and “postponed” retirementUnderstanding the Annuity ComputationAmount of an annuityLength of service and unused sick leaveHigh-3 avera...

An Overview of How Federal Benefits are TaxedFERS AnnuityCSRS AnnuityTSP Withdrawals from both Traditional and Roth TSP accountsSurvivor BenefitsEd reviews how the IRS treats each of these items for Federal Employees. Other Tax Planning Topics to ConsiderThe taxation of Social Security Benefits, how much the state you live in impacts your net amount of income, and which states have the highest and lowest property tax rates The 2017 Tax LawHow...

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 Health Insurance for Federal EmployeesAn overview of federal health benefits in retirementPremium costsPlan changes and what to know about Open SeasonsTriCare and other FEHB plansHealthcare Flexible Savings Account strategies,MedicareUnderstanding the Vision and Dental PlansEnrollmentPremiumsHow it works with your Health Benefits, Annuity, TSP and other components of the Federal Retirement Benefit Package... plus more!

An Overview of the Thrift Savings Plan (TSP)Contributions and how they work, including limits and getting the biggest matchWays to maximize tax savingsThe main differences between Roth and Traditional TSP accountsUnderstanding the Different FundsAn overview of the five main TSP funds (G, F, C, S, & I) and the Lifecycle (or “L” Funds), plus tips for developing an effective investment strategy that matches your time horizon, risk...

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 FERS & Different Types of RetirementTypes of service used for determining eligibility to retire under FERSEmployee and agency contributions to FERSMilitary service and temporary timeThe FERS annuity computationMinimum age and service requirementsEarly retirementDeferred retirement and “postponed” retirementUnderstanding the Annuity ComputationAmount of an annuityLength of service and unused sick leaveHigh-3 avera...

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 & 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...