Employer Workshop Topics

Tap in to our expert knowledge with our onsite trainings

Offering a Lunch & Learn Seminar for your staff couldn’t be easier.  See below for a list of our workshops.

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

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 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

Federal Insurance Programs Unraveled

  • Medicare
  • Medicaid
  • Social Security supplement

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

Understanding Your TSP

  • Eligibility and limits
  • Allocation options
  • Roth vs. traditional
  • When rollovers and 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 and estate taxes
  • Wills and trusts
  • Probate and 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 and estates
  • Using charitable trusts or charitable strategies for planned giving
  • Leaving a planned giving legacy
  • Benefits to you and 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

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?

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 – Real Opportunity

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

College Planning Strategies

  • The MYTH 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



  • 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

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

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

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

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 and ownership of your finances
  • Understanding your retirement plans & what they are worth

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

Macro Economic Planning

  • Improve the effectiveness of your economic model
  • More money – less risk
  • Coordinating the growth of all your assets
  • Moving from taxable to tax-free
  • The velocity of money & the ripple effect

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


Financial Protection From
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 and 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 and investing
  • Making a difference

Planned Giving
with C.A.R.E

Content coming soon!

The Life Insurance Decision

Content coming soon!

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