Workshop / Webinar Topics

Federal Topics

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Popular Topics

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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?

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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

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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

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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

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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

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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

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Federal Insurance Programs Unraveled

OASDI
Medicare
FEHBP
Medicaid
FLTCIP
FEGLI
Social Security supplement

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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

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Financial Transitions

Changing jobs? Getting married or expecting a child? Retiring?
Rolling over your 401(k) vs. leaving it in your current employer plan
Taking control and ownership of your finances
Understanding your retirement plan, pension and Social Security

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Financial Planning In Uncertain Times

Budgeting for change
Retirement horizons
TSP planning
Benefit planning
Exit strategies

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Financial Preparedness

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

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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

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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

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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

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IRA Planning

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

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TSP Planning

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

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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

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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

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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

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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

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Retirement Planning For Federal Employees

Where and when to retire
CSRS and FERS MRA calculations
TSP withdrawals and income options
Survivor benefit pension and pension max strategies
Social Security supplement and filing strategies
FEHB, Medicare and Tricare

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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

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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

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FEHB, Tricare and Medicare

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

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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

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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

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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

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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

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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

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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

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Introduction to Real Estate

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

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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

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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

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Get in Touch

Our staff are available to help answer your financial questions.

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Office:

17b Firstfield Rd
Ste 108
Gaithersburg, MD 20878

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Call Us: 240.252.3408

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