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Federal Retirements

Federal Retirements. Best Kept Secrets. Presented By: F³E Foundation for Financial Education www.f3eonline.org – sharon@f3eonline.org – 1-240-499-0390. www.federaldaily.com. Federal Employee Almanac. ChFEBC – Chartered Federal Employee Benefit Coordinator

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Federal Retirements

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  1. Federal Retirements Best Kept Secrets Presented By: F³E Foundation for Financial Education www.f3eonline.org – sharon@f3eonline.org – 1-240-499-0390

  2. www.federaldaily.com Federal Employee Almanac • ChFEBC – Chartered Federal Employee Benefit Coordinator • Training and Educations • Resources • Retirement Projections • Balancing Federal and Non-federal

  3. What Tax Bracket will I be in at Retirement?? • 3 Legged Stool • SBP • TSP Income • Income from other sources • Loss of deductions • Marginal Rates • Where are tax rates going?

  4. What makes us so Special? • Defined benefit pension • Healthcare • COLA (pre and post retirement) • Locality Pay • Limited underwriting, max insurance

  5. The Rules of the Game • Retirement eligibility • Short Term Disability vs. Long Term • Federal Long Term Care • Breaks in service • Buyouts and buybacks

  6. Exit Strategies • When, where and how to take income in retirement • RMD’s • Minimizing taxes in retirement • Maximizing interest/reducing risk • Leveraging your assets

  7. Free Insurance • FEGLI • RETIREMENT

  8. TSP, Catch up & Loans • Match on TSP • Strategic allocation • Max and catch-up • Loan provisions • Roth vs. Regular

  9. CSRS Voluntary Contribution • How does it work? • How to fund it • Roth Conversion

  10. 300 + Private Colleges • Scholarships up to $44K, non need based • 260,000 students currently enrolled • 25 million given out last year

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