Webinar Topics

This webinar is 3 hours of jam-packed information. Be prepared to be engaged the entire time, taking notes, learning, and most of all, supercharge your retirement plan.

General Principles of Retirement

Understanding how much money you really need in retirement and when you will and won’t get it
Getting you could have versus getting what the government will give you by default
How every person is different and you can’t use your co-worker’s good idea for you
Do what is best for your beneficiaries (HINT: most federal workers do this WRONG!)
The value of knowing what your true numbers are (not just what the government says it will give you)
AND knowing what those numbers mean (which are often very different than what you would think)

FERS / CSRS
Pensions

When are you eligible to retire? (HINT: It’s NOT based on your SCD)
Different rules for Special Provision (Law Enforcement, Firefighters, Air Traffic Controllers)
How much pension the government will give you vs. how much you will actually get
What is included in your HIGH-3
Buying time back

How sick leave and annual leave affect the amount of pension you will receive
Cost of Living Adjustments and how it’s not quite what you thought it was going to be
How federal and state taxes may affect you
The best day & month for you to retire
How long it will be before getting a full pension check
AND MUCH MORE…

Special Retirement
Supplement

Who is eligible?
How much might you receive and when will you be cut off
How taxes and COLAs affect the SRS
Working and receiving this benefit (HINT: It’s usually a no-go)
What questions you should ask to take full advantage of this program
AND MORE…

Social Security

Will it be there when you need it?
When you can start drawing SS vs. when you should
How FRA, PIA, COLA & Taxes will change how much you get
How not to miss out on hundreds of thousands of dollars of SS over your lifetime (no joke) and how people unknowingly do it every day
How spouses bring in another set of strategies and opportunities
What questions you should ask to make sure you get as much money as possible
AND MORE…

Federal Employee
Health Benefits

Making changes before retirement vs. in retirement
Differing rules of FEDVIP (dental & vision)
Adding family members before and after retirement
Participating in open seasons after retirement
How much the government will pay
How FEHB cost doesn’t go up, but your cost will
Example increases over the last 10 years

Bonuses for federal couples
How Medicare may or may not work with FEHB
Medicare’s penalty and how to avoid it
Should you choose FEHB or Medicare or neither or both
How TriCare fits in the picture
What questions you should ask to make good decisions
AND MUCH MORE…

Long Term
Care

Overall understanding of why long-term care is needed
How many will need it and for how long
Who provides long-term care and how long they provide it (NOTE: this will shock you)
Considering VA & FEHB & TriCare
Types of LTC coverage
What the federal plan looks like

What it takes to be accepted
What FLTCIP covers and what it doesn’t
Decisions you need to make when buying FLTCIP if you need it
Details on waiting periods, satisfying timelines, and exemptions from premiums
What questions you need to ask to make a good decision
AND MORE…

Survivor’s
Benefits

Why this is one of the most misunderstood benefits & difficult to plan for
Cost before vs. after retirement
How to qualify for SBP
How not opting in can seriously affect your loved ones
The differences and similarities of SBP and life insurance
Questions you will need to ask yourself to make sure you do this one right
AND MORE…

FEGLI – Life
Insurance

What FEGLI is and is not
Understanding of when costs go up
The four FEGLI options and limits to FEGLI
Understanding of when you may want FEGLI compared to private life insurance options
Questions you should ask to make sure you get the best value for your hard-earned money
AND MORE…

TSP – Thrift
Savings Plan

The phases of the TSP
Contributions and matching and funds how to do it right
The mistaken understanding that almost all federal employees have about growing their money
How Lifecycle funds work and how they could be good or bad for you
The two questions you need to ask to earn as much as possible in your TSP
The difference between Roth and Traditional TSP allocations

How to take out money how & when you want it
TSP Modernization Act pros and cons
Six options for your money after retirement
What the TSP won’t do
Strategies to keep your money or grow it
What questions you should be asking to make your TSP work for you today and in retirement
AND MUCH MORE…