Retirement Planning for Federal Employees - CSRS/FERS Employees
September 5, 2010

Federal Retirement Systems

• CSRS
• FERS
• Annuity Calculation
• Creditable Service
• Deposit/Redeposit Options
• Annual and Sick Leave
• Disability Retirement
• Survivor Benefit Choices and Health Insurance
• Planning the Best Date to Retire
• Voluntary Contributions
• COLA's
• Social Security and Medicare
• Highlights of Long-Term Care
• FEHB & FEGLI

Financial Planning

• Basic to advanced financial goals and concepts
• Investing in Turbulent Times
• TSP
  • The Basics
  • Borrowing and payback options
  • Overview of the funds including the L-Fund
  • Allocation options between funds
• Investments Beyond the TSP
• Understanding diversification and dollar-cost averaging
• Funding college education

Tax Planning

• Federal and State Taxation of your Annuity
• Normal Tax Shelters
• Sale of principal residence and recent changes in the law
• Traditional and Roth IRAs/Voluntary Contribution Opportunity
• TSP Withdrawal
• Self Employment Structure and Planning

Estate Planning

• Overview of the Estate Planning Process
• Powers of Attorney
• Documents for health care, finances
• Probate and Living Trusts

Psychological Aspects of Retirement

• Spouse concerns
• Changes in relationships
• Retiring as a single
• Re-entering the work force (full-time or part-time)
• Volunteer Work
• Moving to a new location
• Boomerang children