Serving Those Who Serve
Upcoming Serving Those Who Serve Events
An Overview of the Thrift Savings Plan (TSP)
- Contributions and how they work, including limits and getting the biggest match
- Ways to maximize tax savings
- The main differences between Roth and Traditional TSP accounts
Understanding the Different Funds
An 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 tolerance, and other individual factors.
Other Information About TSP Planning:
- Withdrawal options
- Loans
- Taxation
- The TSP annuity options
- Mixed withdrawal, plus more!
An Overview of FERS & Different Types of Retirement
- Types of service used for determining eligibility to retire under FERS
- Employee and agency contributions to FERS
- Military service and temporary time
- The FERS annuity computation
- Minimum age and service requirements
- Early retirement
- Deferred retirement and “postponed” retirement
Understanding the Annuity Computation
- Amount of an annuity
- Length of service and unused sick leave
- High-3 average salary
- Effective date of your annuity
- FERS transfers from CSRS
- Special supplement
- Possible reduction of your FERS Annuity
- Survivor benefits
Other Information for FERS Annuitants
- Submitting your retirement application
- Receipt of first annuity check
- Future questions regarding retiring and insurance issues
- ... plus more!
An Overview of Financial Planning for Federal Employees
- Setting goals
- Practical considerations
- Projecting future income needs
- How 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 pensions
- Social Security benefits
- TSP, IRAs, and other savings/investments
Ed thoroughly explores all 3 components!
Other Information to Consider
- Health Insurance plans and key points
- Vision + Dental plans
- Healthcare Flexible Spending Accounts administered by FSAFEDS
- Information about FEGLI, private life insurance, and more!
An Overview of Health Insurance for Federal Employees
- An overview of federal health benefits in retirement
- Premium costs
- Plan changes and what to know about Open Seasons
- TriCare and other FEHB plans
- Healthcare Flexible Savings Account strategies,
- Medicare
Understanding the Vision and Dental Plans
- Enrollment
- Premiums
- How it works with your Health Benefits, Annuity, TSP and other components of the Federal Retirement Benefit Package
- ... plus more!
An Overview of the 4 Types of Social Security Benefits
- Retirement, disability, survivor, Medicare
- Eligiblity requirements for each type,
- How the amounts are calculated
- How they apply to the financial plans of federal employees, both FERS and CSRS employees
Understanding the Common Pitfalls
- The Windfall Elimination Program for CSRS
- Earnings Test
- Special Retirement Supplement for FERS
- Government Pension Offsets (GPO)
- How the benefits are taxed
Information about Medicare
- Eligibility
- Enrollment
- Differences between A, B, C, & D,
- When are the Federal Dental and Vision plans more advantageous than Medicare B?
... plus a lot more!
An Overview of Financial Planning for Federal Employees
- Setting goals
- Practical considerations
- Projecting future income needs
- How 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 pensions
- Social Security benefits
- TSP, IRAs, and other savings/investments
Ed thoroughly explores all 3 components!
Other Information to Consider
- Health Insurance plans and key points
- Vision + Dental plans
- Healthcare Flexible Spending Accounts administered by FSAFEDS
- Information about FEGLI, private life insurance, and more!
An Overview of FERS & CSRS Survivor Benefits
- Differences between the two retirement systems’ survivor benefits
- Qualifying relatives
- Cost of electing survivor benefits
- What forms should be filled out to ensure qualifying relatives receive the survivorship
Other Information for FERS & CSRS Annuitants
- Spousal Survivor annuities (including former spouses)
- Cost to give an insurable interest survivor annuity
- Information about the basic employee death benefit
- Child and non-spousal survivor benefits
... plus more!