Workshop Topics

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

A Golden Opportunity to Roth Convert and Rebalance

  • Discover the massive tax opportunity we haven’t seen in decades!
  • Gain insight from the area’s foremost Roth Conversion Practitioner
  • Discover the silver lining following Market Corrections
  • Uncover Top Secrets that Wall Street doesn’t want you to know

Breaking Down the SECURE Act

  • Understanding the basics of the SECURE Act
  • How to use the SECURE Act to your utmost advantage
  • What does this mean for stretch IRAs and small businesses?
  • Learn the pros and cons and how they affect you

Budgeting, Relationships, and Life Events

  • Creating financial wellness
  • Financial wellness growth opportunities
  • 4 crucial financial issues to discuss in relationships
  • Life events that change financial plans and how to handle them

Charitable Trust & Tax Planning Best Kept Secrets

  • An introductory course for charitable trusts
  • Learn key differences between tax avoidance vs tax deferral
  • Uncover the secrets to tax harvesting
  • Understand three pivotal ways to do a Roth conversion

College Planning 101

  • 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

Cryptocurrency Explained

  • Bitcoin, Alt Coins and NFTs
  • Blockchain Technology
  • Tax & Legislative Treatment
  • Buy and Hold or Trade?

Estate Planning

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

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

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

Federal Insurance Programs Unraveled

  • Medicare
  • Medicaid
  • Social Security supplement

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

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

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 Planning in Uncertain Times

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

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

Holiday Spending

  • Setting expectations
  • Budgeting
  • Building a naughty or nice list
  • Hidden holiday costs
  • Best practices when spending

How Your Federal Benefits Work in Retirement

  • Your TSP income options
  • What is taxable income in retirement?
  • How to get free federal life insurance
  • Combining your health insurance with Medicare
  • Nuances to long-term care
  • Social Security Supplement with FERS

IRA, TSP, & 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

Legacy Planning & Creating Generational Wealth

  • Generational wealth accumulation
  • Your financial wellness & its importance
  • How does your planning affect your family?
  • What is a TOD?
  • Charitable giving
  • Wills & trusts

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?

Medicare Basics

  • Medicare Part A
  • Different plans/supplements that are available
  • Individual part coverage
  • How to navigate Medicare Part D
  • Financial responsibility under Medicare

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

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

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

  • 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

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

Retirement Readiness

  • Retirement Survival Guide
  • Social Security Strategy
  • Lifetime Income Plan
  • Estates and Beneficiaries
  • Planning for the What Ifs
  • Retirement Accounts and Investments
  • 4-Step Readiness Checklist

Social Security 101

  • Understanding the basics of Social Security
  • How to optimize your benefits
  • Advantages of applying after full retirement age
  • How are your benefits calculated?
  • How cost-of-living adjustments affect your Social Security

Stock Market Crashes for Dummies

  • Understanding market corrections
  • What triggers a market correction?
  • What to do during market volatility
  • Consult with a professional
  • Find the silver lining
  • Stock market math

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

Taxes & The IRS

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

Understanding Your TSP

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

Who Is Your Healthcare Advocate?

  • How do you legally designate a healthcare advocate?
  • What will Medicare cover for you as part of your elder care?
  • Who should you have designated on your healthcare team?
  • Where should you keep your lists of medications and assets?
  • Should you self-insure for long-term care, invest in long-term care insurance, or rely on Medicaid?



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