Serving Those Who Serve
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!
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!
An Overview of FERS & CSRS Survivor Benefits
- Differences between the two retirement systems’ survivor benefits
- Qualifying relatives
- Cost of electing survivor benefits
- What forms should be filled out to ensure qualifying relatives receive the survivorship
Other Information for FERS & CSRS Annuitants
- Spousal Survivor annuities (including former spouses)
- Cost to give an insurable interest survivor annuity
- Information about the basic employee death benefit
- Child and non-spousal survivor benefits
... 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!
An Overview of the Thrift Savings Plan (TSP)
- Contributions and how they work, including limits and getting the biggest match
- Ways to maximize tax savings
- The main differences between Roth and Traditional TSP accounts
Understanding the Different Funds
An overview of the five main TSP funds (G, F, C, S, & I) and the Lifecycle (or “L” Funds), plus tips for developing an effective investment strategy that matches your time horizon, risk tolerance, and other individual factors.
Other Information About TSP Planning:
- Withdrawal options
- Loans
- Taxation
- The TSP annuity options
- Mixed withdrawal, plus more!
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 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!
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!
An Overview of the 4 Types of Social Security Benefits
- Retirement, disability, survivor, Medicare
- Eligiblity requirements for each type,
- How the amounts are calculated
- How they apply to the financial plans of federal employees, both FERS and CSRS employees
Understanding the Common Pitfalls
- The Windfall Elimination Program for CSRS
- Earnings Test
- Special Retirement Supplement for FERS
- Government Pension Offsets (GPO)
- How the benefits are taxed
Information about Medicare
- Eligibility
- Enrollment
- Differences between A, B, C, & D,
- When are the Federal Dental and Vision plans more advantageous than Medicare B?
... plus a lot more!
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!
An Overview of FERS & CSRS Survivor Benefits
- Differences between the two retirement systems’ survivor benefits
- Qualifying relatives
- Cost of electing survivor benefits
- What forms should be filled out to ensure qualifying relatives receive the survivorship
Other Information for FERS & CSRS Annuitants
- Spousal Survivor annuities (including former spouses)
- Cost to give an insurable interest survivor annuity
- Information about the basic employee death benefit
- Child and non-spousal survivor benefits
... plus more!