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Planning for Retirement Seminar |
Seminar Highlights and Objectives
The Planning for Retirement seminar may be held as a 1-day or 2-day seminar. The
seminar can also be designed to focus only on CSRS/CSRS Offset employees or FERS
employees.
The first day of GRB's Planning for Retirement seminar provides participants with
a detailed understanding of the benefits they are entitled to under the Civil Service
Retirement System (CSRS) and/or the Federal Employees Retirement System (FERS),
Social Security, Medicare, the Thrift Savings Plan (TSP), the Federal Employees
Health Benefits program (FEHB), Long Term Care Insurance, the Federal Employees'
Group Life Insurance program (FEGLI), and the Flexible Spending Account program.
The second day of the seminar is devoted to financial planning topics. These topics
include insurance planning, tax planning, investment planning, and estate planning.
Who Should Attend
The seminar focuses on employees (and/or special group employees) who are approximately
within 5 years of retirement.
Seminar Dates and Locations
This seminar is offered by GRB for on-site presentation at your agency. GRB can
design or tailor seminars to meet your unique needs. If you do not have a sufficient
number of employees at your agency to justify on-site training, you may wish to
sponsor on-site training for other Federal employees in your geographic area.
For further information send email to:
CSRS/FERS Retirement Benefits
- Eligibility for Retirement
- Computation of Annuity
- Determining High-3
- Survivor Benefits
- Creditable Service
- Deposits/Redeposits
- Military Deposits
- Cost-of-Living Adjustments
- Processing of Your Retirement
- Withholdings and Taxation
Social Security
- Taxes
- Eligibility Requirements
- Description of Benefits
- Government Pension Offset
- Computation of Benefits
- Windfall Elimination Provision
- Survivor Benefits
- Earnings Limitation
- Taxability
Thrift Savings Plan
- Employee/Employer Contributions
- Tax Status of Contributions
- Investment Options/Considerations
- Open Season Elections/Interfund Transfers
- Loan Program
- Payout Options/Tax Consequences
- Death Benefits
Federal Employees’ Group Life Insurance
- Program Types and Amount of Insurance
- Continuing Into Retirement
- Payment/Beneficiaries
Federal Employees Health Benefits Program
- Program Advantages
- Continuing Coverage Into Retirement
- Continued Coverage for Survivors
Federal Employees Dental and Vision Insurance Program
- Program Features
- Coverage in Retirement
- Impact of New Medicare Changes
Medicare
- Description of Coverage
- Coordination with FEHB
- When to Apply
- Impact of new Medicare changes
Long Term Care Insurance
- What is Long Term Care Insurance
- Who can enroll and when
- Benefit options
- Determining cost
- Eligibility for benefits
- Agency responsibilities
Flexible Spending Accounts
- Advantages
- Amount of contributions
- Health care/Dependent care
- What is a qualifying status change
- "Use or Lose"
- Annual open season
- Agency responsibilities
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AGENDA (Day Two)
Financial Planning
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Introduction
- Can I Afford to Retire
- Income/Expenses
- Traps to Avoid
Savings & Money Management
- Saving vs. Investing
- Savings Acounts
- Emergency Fund
- Debt Management
Process Of Financial Planning
- Inventory Assets/Liabilityt
- Income/Expenses
- Financial Goals
- Implement the Plan
- Financial Planners
Investment Planning
- The Investment Process
- Understanding Risk
- Diversification
- Asset Allocation
- Types of Investments
Investment Stratagies
- Dversification
- Asset Allocation
- Rebalancing
- Dollar Cost Averaging
Investment Options
- The Investment Proccess
- Understanding Risk
- Diversification
- Asset Allocation
- Types Of Investments
Tax Planning
- Determining your tax bracket
- Efective vs. Marginal Rates
- Capital Gaines Tax Rates
- Educational Savings
Estate Planning
- Basic Documents in Estate Plan
- Wills
- Trusts
- Living Wills/Durable Power Of Attorney
- Estates/Gift Taxes