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Seminar Agenda Day One
(Days 1 & 2: 8:00-4:00 with hourly breaks)
*Times adjustments may change.
The Federal Retirement Systems, Social Security, and Risk Management
(Part 1) Your Legal Matters
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Understand defined benefit vs. defined contributions
and how they
apply to CSRS and FERS
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How are benefits computed, including shortcuts
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Types of retirement
eligibility and their consequences
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When is the appropriate time
to retire
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What are the costs
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What are the considerations for retirement eligibility
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What about
COLA’s
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What about survivor benefits and choices
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What about CSRS offset
and Transfers from CSRS to FERS
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Social Security eligibility and
how it relates to government work and the problems of WEP, GPO,
and Dual Entitlement
Risk Management (Part 1) Who Gets It When You Go?
- 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
and are they needed
- Do estate and inheritance taxes affect you
- Taxations involved in
gifts and transfers, the two major pitfalls to avoid to save your
retirement.
Seminar Agenda Day Two
Risk Management (Part 2) Everything Your Insurance Agent Never Told You
- The three types of auto vehicles being driven by you that could
create a retirement disaster
- Review of the critical parts of an auto insurance
policy
- Methods of plugging holes in your homeowners insurance
- Best insurance purchase
you could ever make. It just may save your retirement.
- FEGLI The Good,
The Bad and The Ugly
- How to end up with free life insurance at age 65
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
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
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
- How much money do I really
need? How do I get it
- What if both of us work for the government
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