FERS & FERS Transferee Benefit Training Agenda

Two Day Program – Each of these topics are covered very in-depth

FERS

• Magic Numbers
• Best Time to Retire
• Calculating FERS Annuity
• Calculating FERS Transfer Annuity
• Postponed and Deferred Annuity
• Deposits, Re-deposits, and Military Time
• Criterion for Reductions to Annuities
• VERAS and VISPS
• Disability Retirement
• Survivor Benefits for Spouse
• Survivor Benefits for Children
• Survivor Benefits for Insurable Interest
• Court Awarded Survivor Benefits
• FERS Supplement
• Phased Retirement

Insurance Programs

• Federal Employee Health Benefits Plan Options
• How to Choose the Best Health Plan for You and Your Family
• Flexible Savings Accounts
• Health Savings Accounts
• Dental and Vison Program
• Federal Employee Life Insurance Program
• Federal Long Term Care Insurance Program

Social Security

• Eligibility Requirements
• Calculating Social Security Benefits
• Windfall Elimination (WEP)
• Government Pension Offset
• Optimizing Claiming Strategies

Thrift Savings Plan

• A Short History of TSP
• Contribution Limits
• Investment Funds Overview
• Inter-fund Transfers and Contribution Changes
• Roth TSP
• Tips for Maximizing TSP
• TSP Calculators
• TSP Loans
• TSP In-Service Distributions
• Avoiding Common Mistakes
• Personal Savings Goal
• Personal Risk Assessment & Comfort Goal
• Considerations in Retirement
• Withdrawal Options

Income Tax Key Facts

• Taxation of Retirement Benefits
• Tax Brackets on Income
• Capital Gains and Dividend Tax
• Surtax on Investment Income
• Brief History of Income Taxes
• Future of Tax Rates
• Tax Planning Strategies
• Top 10 Tax Friendly States for Retirees

Estate Planning

• Will/Trust
• Durable Power of Attorney
• Beneficiary Designations
• Letter of Intent
• Healthcare Power of Attorney
• Guardian Designations

One Day Program – All of these topics are covered, though not as in-depth as the Two Day Program

FERS

• Magic Numbers
• Best Time to Retire
• Calculating FERS Annuity
• Calculating FERS Transfer Annuity
• Postponed and Deferred Annuity
• Deposits, Re-deposits, and Military Time
• Criterion for Reductions to Annuities
• VERAS and VISPS
• Disability Retirement
• Survivor Benefits for Spouse
• Survivor Benefits for Children
• Survivor Benefits for Insurable Interest
• Court Awarded Survivor Benefits
• FERS Supplement
• Phased Retirement

Insurance Programs

• Federal Employee Health Benefits Plan Options
• How to Choose the Best Health Plan for You and Your Family
• Flexible Savings Accounts
• Health Savings Accounts
• Dental and Vison Program
• Federal Employee Life Insurance Program
• Federal Long Term Care Insurance Program

Social Security

• Eligibility Requirements
• Calculating Social Security Benefits
• Windfall Elimination (WEP)
• Government Pension Offset
• Optimizing Claiming Strategies

Thrift Savings Plan

• A Short History of TSP
• Contribution Limits
• Investment Funds Overview
• Inter-fund Transfers and Contribution Changes
• Roth TSP
• Tips for Maximizing TSP
• TSP Calculators
• TSP Loans
• TSP In-Service Distributions
• Avoiding Common Mistakes
• Personal Savings Goal
• Personal Risk Assessment & Comfort Goal
• Considerations in Retirement
• Withdrawal Options

Half Day Program – Each of these topics are discussed to a similar level as the One Day Program offers

FERS

• Magic Numbers
• Best Time to Retire
• Calculating FERS Annuity
• Calculating FERS Transfer Annuity
• Postponed and Deferred Annuity
• Deposits, Re-deposits, and Military Time
• Criterion for Reductions to Annuities
• VERAS and VISPS
• Disability Retirement
• Survivor Benefits for Spouse
• Survivor Benefits for Children
• Survivor Benefits for Insurable Interest
• Court Awarded Survivor Benefits
• FERS Supplement
• Phased Retirement

Insurance Programs

• Federal Employee Health Benefits Plan Options
• Federal Employee Life Insurance Program
• Federal Long Term Care Insurance Program

Social Security

• Eligibility Requirements
• Calculating Social Security Benefits
• Windfall Elimination (WEP)
• Government Pension Offset
• Optimizing Claiming Strategies

Thrift Savings Plan

• Contribution Limits
• Investment Funds Overview
• Inter-fund Transfers and Contribution Changes
• Roth TSP
• TSP Loans
• TSP In-Service Distributions