This seminar is available as a 1 or 2 day course.  Two day versions include local experts on estate and financial planning

This comprehensive seminar on retirement planning is designed to provide an overview of financial and estate planning, and an in-depth look at federal benefits in retirement. The course focuses on the needs of people who plan to retire within the near future as well as those who will reach retirement eligibility within the next 5 to 10 years.

Topics included in a typical two-day agenda are as follows:

  • Taking a look at the big picture of financial planning

    • Determining how much is enough
    • Reviewing goals
    • Understanding how your federal benefits will help you reach your goals
  • Your CSRS Annuity

    • Where your money goes (CSRS and CSRS offset employees)
    • Voluntary retirements based on age and service
    • Early outs and discontinued service retirements
    • Deferred retirements
    • Disability retirements
    • What counts as creditable service
    • Understanding when you may need to make deposits or redeposits (civilian and military)
    • How your annuity will be calculated
    • Determining what percentage of your high-3 salary you will receive
    • Using the computational tables to compute your benefit
    • Online tools you should be aware of (i.e. Agency provided tools such as EBIS)
    • Determining the non-taxable portion of your annuity
    • Electing a survivor’s annuity at retirement
    • Electing an insurable interest survivors annuity
    • Death benefits that are provided by law
    • Lump-sum death benefits
    • Cost of living adjustments
    • Picking your retirement date
    • Preparation and processing of your retirement application
  • Your Social Security Benefits

    • When and how you qualify
    • The Earnings Test
    • Should you take benefits at 62 or wait?
    • How the benefit is calculated (WEP & GPO)
    • Social security for CSRS Offset employees
    • Benefits for family members (including dual entitlement)
    • Taxation of Social Security benefits
  • Your Thrift Savings Plan and Other Investments

    • Understanding the TSP Investment options including the new Roth option
    • Managing your portfolio with proper asset allocation and interfund transfers
    • Getting money out of your TSP while employed
    • Withdrawal options upon separation
    • Useful online tools
    • Taxation Issues
    • Understanding IRA tax structures and how you can take advantage of them
    • Investing through the Voluntary Contributions Program
  • Your Federal Insurances

    • FEGLI coverage and costs in retirement
    • Continuing FEHB coverage in retirement and understanding how it interacts with  Medicare
    • Long-Term Care Insurance
    • Dental, Vision and Flexible Spending Account
  • Update On Pending Legislative Issues

  • Estate Planning Considerations

    • Wills and Trusts
    • Power of Attorney
    • Medical Directives
  • Completing Your “Personal Action Checklist”

Retirement Training &
Coaching Services, Inc.


We are a SAM Registered Company.
References are available upon request.

Check out our calendar for dates and locations of upcoming classes.