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
- OASDI
- Medicare
- FEHBP
- Medicaid
- FLTCIP
- FEGLI
- 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
