Getting Started on the Right Foot

Uncertainty about benefits, budgeting and where to begin confounds new employees. Give them the tools they need now, to better address their future.

Getting Started on the Right Foot is designed for Gen X employees between 22 and 35 years of age. This engaging, practical one-day program can be ordered as an in-person training or in webinar format. Participants will learn how to maximize the Thrift Savings Plan, understand their FERS benefits and develop the skills to manage and secure their future. If those skills are developed early and they become embedded, employees become more self-reliant and resilient. That’s the kind of training that lasts.

Understand Your FERS Benefits

  • Understanding the Three Components of FERS
  • Creditable Service
  • Retirement Eligibility
  • FERS Annuity Computation
  • Annuity Supplement
  • Special Circumstances
  • Survivor and Disability Benefits

Understanding Your Thrift

  • The Funds
  • Break in Service
  • Survivor Benefits
  • Distribution Rights at Retirement
  • Thrift Plan Strategies
  • Traditional Thrift and the Roth

Cash Planning and Budgeting

  • Credit Card Debt
  • Six Common Debt Traps
  • Creating a Workable Budget
  • Credit Reports and your Reputation
  • Managing Money for Long Range Success

Financial Planning

  • Basic Terms
  • Understanding the Risks – Risk Tolerance
  • Investment Options
  • IRA Options
  • Diversification & Allocation

Investments: Risks and Rewards

  • Your Investment Philosophy
  • The Conservative Risk Group
  • The Moderate Risk Group
  • The Higher Risk Group