Workshop / Webinar Topics

Federal Topics

Popular Topics


Federal Benefits Best Kept Secrets

  • What makes us so special?
  • Protection components
  • Income taxes in retirement
  • The rules of the game
  • Thrift Savings Plan
  • Defined benefits and exit strategies
  • Where do we go from here?

Maximizing Your Financial Plan

  • Macro vs. Micro Manager
  • Taxes in Retirement
  • The Rules of the Game
  • Insurance Options and Group Plans
  • Contributions, Catch-up and loans
  • Voluntary Contributions, Deferred Comp and Defined Benefit Plans
  • Exit Strategies

Tax Planning

  • Do I need a tax adviser?
  • Tax avoidance
  • Tax-deferral vs. tax-deductible vs. tax-free
  • Why you shouldn’t wait to get your refund
  •  Recent tax law changes
  • Roth Conversions
  • Estate planning

Retirement Planning For Federal LEO's

  • Where and when to retire
  • LEO pension calculations
  • TSP withdrawals and income options
  • Protection components
  • FERS Social Security supplement, offset and SS filing strategies
  • FEHB, Medicare and Tricare

Retirement Planning

  • We will assess your finances and come up with a plan that works best for you, using a macro approach and a quantitative model
  • Roth vs. Traditional IRA’s and 401K’s
  • Tax analysis on current income compared to retirement income
  • Estate and legacy planning

Retirement Planning for CSRS

  • Protection Components
  • Thrift Savings Plan
  • MRA and CSRS/CSRS Offset Pension
  • Voluntary Contribution Plan
  • Taxes Now vs. Taxes Later
  • Windfall Elimination Provision
  • Exit Strategies

Federal Insurance Programs Unraveled

  • Medicare
  • Medicaid
  • Social Security supplement

10 Steps to Financial Freedom

  • Find your “money view”
  • How to create a budget
  • How to get out of debt
  • Creating an abundance mentality
  • Saving and investing
  • Making a difference

Financial Transitions

  • Budgeting for changes
  • Survival guide
  • TSP/IRA/401(k) planning
  • Benefit Planning
  • Retirement
  • Public service loan forgiveness

Financial Planning In Uncertain Times

  • Budgeting for change
  • Retirement horizons
  • TSP planning
  • Benefit planning
  • Exit strategies

Financial Preparedness

    • Planning Ahead
    • Emergency Financial First Aid Kit
    • Get Tech Ready
    • Inform Others
    • Evacuation

Budgeting, Relationships and Life Events

  • Creating financial wellness
  • Financial wellness growth opportunities
  • Four critical issues that must be discussed with your partner
  • Life events that change financial plans and how to handle them

Advanced Social Security Planning

  • Can I work at age 66 and collect Social Security?
  • When should I apply for Social Security benefits? What are the benefits of deferring vs. filing at 62?
  • Spousal & Survivor Benefits
  • What is the maximum monthly amount you can get from Social Security?
  • File and suspend vs. restricted application

Market Volatility 101

  • What causes a market to crash
  • How long markets take to recover
  • What not to do
  • Timing, sequence of returns and income needs
  • Emotional investing
  • Diversification and ensuring your portfolio will survive the next correction

IRA Planning

  • Eligibility and Limits
  • Allocation options
  • Traditional IRA vs Roth IRA
  • Withdrawals and rollovers
  • Retirement & distributions

TSP Planning

  • Eligibility and limits
  • Allocation options
  • Roth vs. traditional
  • Retirement distributions
  • TSP Modernization Act
  • When rollovers and loans make sense

Pre-Retirement Planning For Federal Employees

  • States that don’t tax federal pensions
  • Jumpstart survivor benefits
  • How to calculate FERS/CSRS pension benefits
  • Roth & catch-up TSP
  • Health insurance for spouse and family
  • Social Security windfall elimination, supplement, and integration

Estate Planning

  • Dealing with death and estate taxes
  • Wills and trusts
  • Probate and your estate
  • Choosing an executor
  • Lifetime giving exclusion
  • Unlimited marital deduction
  • Tax-free inheritance

Federal Benefits 101

  • Why & what federal employees need to plan for
  • Basic options for insurance
  • How to calculate my pension
  • Retirement eligibility guidelines
  • Common mistakes made in the TSP

Financial Fitness

  • Cash flow management
  • Basics of tax planning
  • Creating a financial road map
  • Introduction to estate planning
  • Overcoming obstacles to creating wealth
  • Maximize savings and investment plans

Retirement Planning For Federal Employees

  • Rules of the game (pension calculations, retirement eligibility and TSP)
  • Taxes in retirement
  • Backdoor ROTH IRA strategy
  • TSP and IRA allocations, loans and rollovers
  • Protection components
  • Exit strategies
  • CSRS VCP Roth conversion

Strategic Allocation

  • Planning your wealth for interest rate fluctuation, inflation, market volatility, and taxes
  • Using strategic allocations to meet your financial goals
  • Tax-free, lifetime streams of income
  • COLA income

Planning Giving

  • One-time gifts vs. ongoing gifts
  • Tax ramifications to families and estates
  • Using charitable trusts or charitable strategies for planned giving
  • Leaving a planned giving legacy
  • Benefits to you and your family

FEHB, Tricare and Medicare

  • Differences between Medicare,
  • FEHB and Tricare
  • Different parts of Medicare
  • Medicare for retirees
  • Medicare Enrollment
  • FEHB Suspension

Public Service Student Loan Forgiveness Program

  • How to qualify for the program
  • What is qualifying employment?
  • The types of Federal loans that qualify
  • Repayment plans
  • How to apply

Long-Term Care Insurance

  • LTC by the numbers
  • Federal LTC program
  • Activities of daily living
  • Qualifying for low/no-cost coverage
  • LTC insurance alternatives
  • Medicaid planning
  • LTC during retirement

Financial Pitfalls

  • Lack of plan or inadequate plan
  • Improper debt management
  • Lack of estate plan
  • Lack of tax planning strategy
  • Buying advice over the internet
  • Lack of exit strategy

Federal Leave & Earnings Statements

  • How to interpret your statement line-by-line
  • Selecting the proper options for benefits
  • Managing your tax withholdings
  • Where does all my money go?
  • Hidden opportunities within your paycheck
  • Disability and Social Security

Social Security 101

  • Understanding the basics of Social Security
  • How to optimize your benefits
  • Advantages of applying after full retirement age
  • How are your benefits calculated?
  • How cost-of-living adjustments affect your Social Security

College Planning 101

  • The MYTH about financial aid
  • Sources of money
  • Need-based vs. non need-based
  • College funding vs. financial aid
  • Advice
  • The reward

Introduction to Real Estate

  • Understanding mortgage options
  • Location, location, location
  • Real estate as an investment
  • VA/FHA programs
  • Tax benefits
  • First-time home buying

Real Estate Tax Strategies

  • How to purchase real estate within your IRA
  • Tax advantages of owning vs. renting and how to utilize them
  • How to leverage your mortgage
  • Investment properties vs. traditional investments

Year End Tax Planning

  • Have tax laws changed?
  • Understanding your return
  • Passive, earned and portfolio income
  • The tax benefits of alternative financial products
  • Defined benefit plan vs. defined contribution plan
  • Maxing out deductions and contributions

The Face of Aging, Dementia and I/DD

  • Living with a disabled person
  • Disabled dependents
  • Working and receiving benefits
  • Resource levels
  • Applying for and maintaining Medicaid eligibility

Calculations, Examples and Projections for Federal Employees

  • CSRS/FERS pensions and calculations
  • Social Security calculator
  • TSP/IRA withdrawal calculator
  • Tax analysis projections
    • Net vs Gross
    • Taxable income today compared to taxable income projected in retirement

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