Workshop Topics

Advanced Social Security Planning

  • How cost-of-living adjustments affect your Social Security
  • Breakeven analysis: should you collect at age 62, 66, or 70?
  • How to collect IRAs & let your Social Security grow 8% per year
  • Delayed retirement credits: guaranteed 8% for 4 or 8 years
  • Lack of exit strategy

Retirement Planning

  • How not to outlive your money
  • Running the retirement marathon
  • How taxes and inflation impact retirement
  • Exit strategies
  • RMDs
  • Stretch IRAs
  • Long-term care considerations

Taxes & The IRS

  • Where do our taxes go?
  • Do I need a tax advisor?
  • Tax avoidance
  • Tax-free savings
  • Tax-deferral vs. tax-deductibe vs. tax-free
  • Why you shouldn’t wait to get your refund

Pre-Retirement Planning for Federal Employees

  • States that don’t tax federal pensions
  • Jumpstart survivor benefits
  • How to calculate FERS/CSRS pension benefits
  • ROTH & catch-up TSP
  • Health insurance for spouse & family
  • Social Security windfall elimination, supplement, & integration

Retirement Planning for Federal Employees

  • Where & when to retire
  • MRA calculations
  • TSP income options
  • Pension maximum
  • When to draw Social Security
  • Health insurance vs. Medicare
  • Federal Long-Term Care Insurance

Federal Insurance Programs Unraveled

  • Medicare
  • Medicaid
  • Social Security supplement

Federal Benefit Planning for USERRA (Uniformed Services)

  • States that don’t tax federal pensions
  • Jumpstart survivor benefits
  • How to calculate FERS/CSRS pension benefits
  • ROTH & catch-up TSP
  • Health insurance for spouse & family
  • Social Security windfall elimination, supplement, & integration

Mitigating the Cost of Long-Term Care

  •  LTC by the numbers
  • Federal LTC program
  • Activities of daily living
  • Qualifying for low/no-cost coverage
  • LTC insurance alternatives
  • Medicaid planning
  • LTC during retirement

Understanding Your TSP

  • Eligibility &  limits
  • Allocation options
  • Roth vs. traditional
  • When rollovers & loans make sense
  • Retirement distributions


Financial Pitfalls

  • Lack of plan or inadequate plan
  • Improper debt management
  • Lack of estate plan
  • Lack of tax planning strategy
  • Buying advice over the internet
  • Lack of exit strategy

Estate Planning

  • Dealing with death & estate taxes
  • Wills & trusts
  • Probate & your estate
  • Choosing an executor
  • Lifetime giving exclusion
  • Unlimited marital deduction
  • Tax-free inheritance

Financial Fitness

  • Cash flow management
  • Basics of tax planning
  • Creating a financial road map
  • Introduction to estate planning
  • Overcoming obstacles to creating wealth
  • Maximum savings & investment plans

IRA & 401(k) Rollovers

  • Consolidating assets
  • IRS section 525
  • Accessing your retirement accounts for current needs
  • Saving & Avoiding taxes
  • Leaving IRA’s behind
  • Stretch IRA’s

Planned Giving

  • One-time gifts vs ongoing gifts
  • Tax ramifications to families & estates
  • Using charitable trusts or charitable strategies for planned giving
  • Leaving a planned giving legacy
  • Benefits to you & your family

Improving Your Credit

  • Why is credit so important anyway?
  • Understanding your FICO
  • Credit restoration
  • Debt rebalancing
  • Key steps to rebuilding your credit
  • Repairing credit after bankruptcy

Financial Planning in Uncertain Times

  • Budgeting for change
  • Retirement horizons
  • TSP planning
  • Benefit planning
  • Exit strategies

Introduction to Real Estate

  • Understanding mortgage options
  • Location, location, location
  • Real estate as an investment
  • VA/FHA programs
  • Tax benefits
  • First-time home buying

Real Estate Tax Strategies

  • How to purchase real estate within your IRA
  • Tax advantages of owning versus renting
  • How to leverage your mortgage
  • How to use the tax advantages of owning real estate
  • Investment properties versus traditional investments

College Planning Strategies

  • The M.Y.T.H. about financial aid
  • Sources of money
  • Need-based vs. non need-based
  • College funding vs. financial planning
  • Advice
  • The reward

Strategic Allocation

  • Planning your wealth for interest rate fluctuation, inflation, market volatility, & taxes
  • Using strategic allocations to meet your financial goals
  • Tax-Free, lifetime stream of income
  • COLA income


Federal Benefits 101

  • Why & what federal employees need to plan for
  • Basic options for insurance
  • How to calculate my pension
  • Retirement eligibility guidelines
  • Common mistakes made in the TSP

Maximizing Your Financial Plan

  • Macro manager
  • Financial Planner
  • Common financial myths
  • The rules of the game are changing
  • Exit Strategies
  • Where do we go from here?

Public Service Loan Forgiveness Program

  • How to qualify for the PSLF Program
  • How to apply
  • What is qualifying employment?
  • The types of Federal loans that qualify for PSLF

Financial Transitions

  • Reasons for career/job transitions
  • Placement resources
  • Can I, or when can I, retire?
  • Lining up your benefits/insurance options
  • Choosing new benefits (weighing the options)
  • Rolling over your 401k -vs- leaving it at your old employer
  • Taking control & ownership of your finances
  • Understanding your retirement plans & what they are worth

Federal Leave & Earnings Statements

  • How to interpret your statement line by line
  • Selecting the proper options for benefits
  • Managing your tax witholdings
  • Where does all my money go?
  • Hidden opportunities within your paycheck
  • Disability & social security

Federal Benefits Best Kept Secrets

  • ChFEBC advisor
  • What tax bracket will I be in at retirement?
  • What makes us so special?
  • The rules of the game
  • Exit strategies
  • Free insurance
  • TSP, catch-up, & loans

Financial Protection After a Security Breach

  • Warning signs that your identity has been stolen
  • What to do if it happens to you
  • Protecting your identity
  • The difference between credit freeze & fraud alert

10 Steps to Financial Freedom

  • Find your “money view”
  • How to create a budget
  • How to get out of debt
  • Creating an abundance mentality
  • Saving & investing
  • Making a difference



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