Personal Benefit Services of Colorado Inc. - Federal Retirement Seminar Solutions


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	THREE DAY SEMINAR AGENDA Seminar Agenda Day One (Days 1 & 2: 9:00am - 4:00pm with hourly breaks Day 3: 9:00am - 12:00pm) Schedule subject to change. The Federal Retirement Systems, Social Security, and Risk Management (Part 1) Your Legal Matters* Understand defined benefit vs. defined contributions and how they apply to CSRS and FERS How are benefits computed, including shortcuts Types of retirement eligibility and their consequences When is the appropriate time to retire What are the costs What are the considerations for retirement eligibility What about COLA’s What about survivor benefits and choices What about CSRS offset and Transfers from CSRS to FERS Is the Flexible Spending Account worthwhile The real story behind pension enhancement or maximization Social Security eligibility and how it relates to government work and the problems of WEP, GPO, and Dual Entitlement Special Group Situations (FF,LE,ATC) And more *Risk Management (Part 1) Who Gets It When You Go?* Problems associated with no legal planning Considerations even with legal planning Six steps in preparing to do wills and trusts What is contained in wills and trusts Mistakes made in legal planning. Did I do these? Documents even more important than wills and trusts, are they needed? Do estate and inheritance taxes affect you Taxations involved in gifts and transfers, the two major pitfalls to avoid And more Seminar Agenda Day Two *Risk Management (Part 2)* FEGLI The Good, The Bad and The Ugly How to end up with free life insurance at age 65 And more *FSA* What is it How does it work Why to do or not do *Property & Casualty Insurance (Time Permitting)* General overview, including personal liability umbrella *Long Term Care Planning* Do you need to be concerned Cost involved Does Medicare play a role Do I have to be destitute to draw Medicaid Costly mistakes in Long Term Care planning for you, your children, and your parents Best alternatives for most folks How to structure benefits in a long-term care insurance contract And more Seminar Agenda Day Three *Thrift Savings Plan* The Ins and Outs – A thorough understanding of the funds, the underlying indexes and what to expect from each A historical perspective Possible models ranging from conservative to aggressive How much should I contribute, the changing regulations What to consider in taking a TSP loan Withdrawal strategies and options And more *Investments and Strategies* Understand the importance and role proper projections and calculation of cash flow will play Why asset allocation is important Identifying what risk really is What does being conservative really mean in terms of your retirement life TSP and IRA distribution planning How much of your retirement is taxable and does it make a difference where you retire And more *Mortgage Considerations (Time Permitting)* What about selling a home and moving Should I prepay principal on my mortgage or even pay it off What about reverse mortgage strategies, when do they make sense How much money do I really need? How do I get it Why do most people underestimate their needs in retirement What if both of us work for the government Tax considerations And more