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Seminar Agenda Day One
(Days 1 & 2: 8:00-4:00 with hourly breaks
Day 3: 8:00-12:00)
*Times adjustments may 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) 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
- And more
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
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
Seminar Agenda Day Three
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
- 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
Miscellaneous
- How losing a job could be a blessing in disguise
- Enhance the retirement
income from CSRS and FERS
- Using Internet to enhance and simplify your
retirement years. Web sites that are a must
- Organization memberships
to consider
- And more
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