Serving Those Who Serve
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15245 Shady Grove Road, Suite 240, Rockville, MD
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Upcoming Serving Those Who Serve Events
An Overview of Health Insurance for Federal Employees
- An overview of federal health benefits in retirement
- Premium costs
- Plan changes and what to know about Open Seasons
TriCare and other FEHB plans
- Healthcare Flexible Savings Account strategies,
- Medicare
Understanding the Vision and Dental Plans
- Enrollment
- Premiums
- How it works with your Health Benefits, Annuity, TSP and other components of the Federal Retirement Benefit Package
... plus more!
Not sure if you’re using your TSP the right way? Learn how contributions, fund choices, Roth vs. Traditional contribution elections, and withdrawal strategies work together to impact your long-term retirement income.
Confused about how FEHB, Medicare, and dental & vision coverage work once you retire? This session explains your options, costs, and how these choices affect your overall federal retirement plan.
An Overview of FERS & Different Types of Retirement
- Types of service used for determining eligibility to retire under FERS
- Employee and agency contributions to FERS
- Military service and temporary time
- The FERS annuity computation
- Minimum age and service requirements
- Early retirement
- Deferred retirement and “postponed” retirement
Understanding the Annuity Computation
- Amount of an annuity
- Length of service and unused sick leave
- High-3 average salary
- Effective date of your annuity
- FERS transfers from CSRS
- Special supplement
- Possible reduction of your FERS Annuity
- Survivor benefits
Other Information for FERS Annuitants
- Submitting your retirement application
- Receipt of first annuity check
- Future questions regarding retiring and insurance issues
... plus more!
An Overview of How Federal Benefits are Taxed
- FERS Annuity
- CSRS Annuity
- TSP Withdrawals from both Traditional and Roth TSP accounts
- Survivor Benefits
Ed reviews how the IRS treats each of these items for Federal Employees.
Other Tax Planning Topics to Consider
The taxation of Social Security Benefits, how much the state you live in impacts your net amount of income, and which states have the highest and lowest property tax rates
The 2017 Tax Law
- How it affects Federal Employees
- Things to watch out for
- 2020 tax brackets
- IRA Contribution Limits
- How Medicare affects taxes ... plus more!
Confused about how FERS actually works? This session breaks down eligibility, service credit, your annuity calculation, High-3, survivor benefits, and the critical decisions that determine how much you receive in retirement.
Unsure how your annuity, TSP withdrawals, Social Security income, and state taxes affect what you actually keep? This session breaks down how federal retirement income is taxed so you can avoid costly surprises.
An Overview of Financial Planning for Federal Employees
- Setting goals
- Practical considerations
- Projecting future income needs
- How much money will you need saved when you retire?
- How do your retirement benefits come into play?
The Retirement “Tripod"
- CSRS and FERS annuities, plus military pensions
- Social Security benefits
- TSP, IRAs, and other savings/investments
Ed thoroughly explores all 3 components!
Other Information to Consider
- Health Insurance plans and key points
- Vision + Dental plans
- Healthcare Flexible Spending Accounts administered by FSAFEDS
- Information about FEGLI, private life insurance, and more!
How do all your federal benefits, savings, investments, and insurance choices fit together into a real retirement plan? This session examines how the connections between your annuity, Social Security benefits, TSP, and other critical components of your overall financial picture line up to create your federal retirement landscape. Furthermore, we’ll examine the key decisions you need to make to build your ideal retirement.