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
- OASDI
- Medicare
- FEHBP
- Medicaid
- FFLTCIP
- FEGLI
- 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
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
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!