One on One Financial Planning
Take Back Control of Your Money
Not All Federal Seminar Trainers Are The Same:
FIDUCIARY DUTY & RESPONSIBILITY
DEDICATED SERVICE RECORD
DEDICATED SERVICE RECORD
OVER 45 YEARS OF SERVICE
General Retirement Planning
- Preparation tips for a smooth retirement transition
- Checking and updating all your beneficiaries on all programs
- What you need to know about retirement planning as a government employee
- Can you work after drawing SS and how will that effect you
- Understanding Windfall Elimination Provision
- Understanding Government Pension Offset
- Cost of living adjustments regarding SS
- Why you need to time taking your social security benefits
Survivor Benefit Planning
- Who can benefit from the survivor benefit program
- What are the costs
- What to consider at retirement if you elect a SBP
FERS Special Retirement Supplement
- What are the eligibility requirements
- Calculating benefits
- Will working after “retirement” effect you and how
Your TSP & Financial Principles
- Tax-Advantaged Investing
- Investment Choices, Dig in Deep
- Withdrawals Pre-Retirement & Post-Retirement
- Risk vs Reward
- Sequence of Returns
- Timing of Withdrawals
- What is Volatility and Can it be Controlled?
- Critical Decisions for Retirement
The Retirement Systems (CSRS & FERS)
- Understanding eligibility requirements
- Choosing the best retirement dates to get the most out of your benefits
- Special considerations for the various government agencies
- How to properly calculate the CSRS & FERS annuity
- Un-complicating any unused sick or annual leave at retirement
- Getting the most out of your voluntary contribution plan
- Getting cost of living adjustments in your retirement plan
Federal Employees Health Benefits
- FEHB tax advantages
- Can you keep FEHB after you retire
- FEHB & Medicare Part B
- Considerations for federal couples
- Common and not so common missteps to avoid
Federal Long Term Care Insurance
- What does long term care really cover
- Other options to pay for Long Term Care
- What options are available though FLTCIP
- Any specific eligibility requirements
Taxes on Federal Pensions
- Make sure you understand the federal & state tax implications
- Which states are the most retirement friendly
Federal Employees Group Life Insurance
- Coverage and cost while employed
- FEGLI changes & options available after you retire
- Optimization of your choices within the TSP system while still working
- Maximizing government contributions
- Getting familiar with your personal risk tolerance
- Mixing outside assets with your TSP
- What happens when someone does without a will in place
- Understanding the difference between a trust and a will and when you need them
- Putting a living will in place
- The ins’ and outs’ of titling
Everything Your Insurance Agent Never Told You
- Home, Auto & Umbrella Policies
- Major Holes in Polices
- Liability Covered How?
- Titling – How to Fix
Getting a Solid Overview
- Understand the financial impact of all the possible decisions you need to make
- Understand that not knowing is like tossing the benefit away
- Be proactive before you think you “need” to be for the best retirement
- Don’t leave anything to chance when it comes to your decisions
- Understanding the timing clocks that are always on play
- The paperwork timing factor
Is there a fee for the course?
No, there is actually no fee at all for the course. The only cost involved with our course is the cost of the book. The book costs $10 per person but you can print that out yourself if you prefer.
What should I look for in a Federal Benefits Trainer?
- What is their employment record?
- How many times have they switched firms? (i.e. job stability)
- Have they been subject to disciplinary actions?
- Have they any complaints against them?
- Have they committed fraud?
- Are they a CFP?
Am I "required" to use your services to take the class?
You will never be obligated to work with any specific person. Our goal is to build a relationship with you and if that happens we would love to work with you but there is absolutely no obligation.
Why is it so important to work with a Certified Financial Planner?
A Certified Financial Planner is a financial professional who meets all the requirements established by the Certified Financial Planner Board of Standards, Inc. While others my call themselves financial planners, only those who demonstrate the requisite experience, education, and ethical standards are awarded the CFP® mark. Know who you are hiring; you don’t want to risk a liability nor do you want to put yourself or your employees at risk.
Where are the seminars held?
How long is a seminar?
Personal Benefit Financial Inc. | 870 Kipling St Unit A, Lakewood, Colorado 80215 | 303-238-5123 | FRB@MyFRB.net