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?
• File & suspend: file for your Social Security, suspsend, and let your spouse collect 50% of your benefits
• How to collect IRAs and 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
• RMD’s
• Stretch IRAs
• Long-term care considerations

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 and family
• Social Security windfall elimination, supplement, and integration

Retirement Planning for Federal Employees

• Where and 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 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 and family
• Social Security windfall elimination, supplement, and 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

Federal Employee Planning for Upcoming Benefit Changes

• TSP/ROTH Rules
• Pension eligibility and calculations
• Medicare plan options
• Medicaid planning
• How will benefits be taxed?
• WIGIs
• Health care premium increases

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

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

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

Preparing for an Economic Correction

• Randomness of predictability
• What goes up must go down
• Tax considerations – The ultimate tax loophole
• Real Estate -vs- Stocks -vs- Bonds
• Nobel prize winning predication for the next bubble
• How to capitalize during a market correction
• The car in every lane approach

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 – Real Opportunity

• Avoiding real estate pitfalls
• Real estate investing
• Buying and selling in today’s market
• Appropriate financing options
• Real estate in your IRA

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

Mortgages

• Brokers, bankers, and credit unions
• Interest-only -vs- interest & principal
• 30-year mortgage -vs- 15 year mortgage
• Mortgages that increase your wealth
• Common mortgage misconceptions
• Reducing mortgage fees

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?

Modern Parenting Issues

• Step-parents and co-parenting
• Child psychology
• The evolution of the modern family
• “Better to be from a broken home than to live in one”
• Parenting resources
• Single parenting

Key Investment Issues

• Factors for successful money management
• Tax ramifications to families & estates
• Using charitable trusts or charitable strategies for planned giving
• Leaving a planned giving legacy
• Benefits to you & your family

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

Mortgage & Real Estate Opportunity

• Managing investment properties
• Leverage in real estate
• Buying opportunity in a down market
• Buying vacation & retirement homes
• REO’s, foreclosures, & short sales
• Real Estate inside your IRA

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, and loans

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 and investing
• Making a difference

Planned Giving with C.A.R.E

Content coming soon!