Pre-Retirement Planning

Provide participants with a practical, hand on, information and guidance taught by instructors who are both engaging and experienced in all facets of the retirement process.

What do your employees need to know about planning a retirement that could easily last 30 years? Certainly, they’ll need to understand their Federal benefits, Social Security and TSP options. The LifeSpan Pre-Retirement seminar and webinar are designed to address not the basics of retirement income streams like FERS, TSP, and Social Security, but also so much more. How do you gauge your financial needs in retirement? What if you seek a second career? How do you deal with aging parents or “boomerang” adult children? What makes a LifeSpan seminar experience both different and far more meaningful? Its relevance, its rigor, and the relationship built through knowledgeable engaging instructors.

CSRS/FERS Retirement Benefits

  • Eligibility Requirements
  • Creditable Service
  • Deposit/Redeposit Service
  • Military Service
  • Computation of Annuity/Survivor Annuity
  • Special Annuity Supplement
  • Phased Retirement
  • The Best Time to Retire
  • Pending Legislation

Federal Employees Health Benefits

  • Eligibility and Options
  • Changing Enrollment
  • Cost
  • Benefits into Retirement

Federal Employees Group Life Insurance Program

  • Eligibility
  • Benefits into retirement
  • Beneficiaries/Payment Options

Federal Employees Long-Term Care Insurance Program

  • Coverage Alternatives
  • Cost
  • The Best Time to Enroll

The Thrift Savings Plan

  • Eligibility
  • Investment Options
  • Traditional Thrift and Roth Options
  • Payout Options
  • Taxation of Payouts
  • Loan Program
  • Death Benefits

Social Security/Medicare

  • Eligibility
  • Survivor Benefits
  • Windfall Elimination Provision
  • Medicare Part A
  • Medicare Part B

Financial Planning

  • Preparing a Basic Retirement Financial Plan
  • Understanding the Risks – Risk Tolerance
  • Investment Options
  • Traditional IRA and Roth IRA Options
  • Diversification and Allocation
  • Protecting Employees “Nest Eggs” Using Caution when Investing Accumulated Wealth
  • Tax Implications of Retirement Annuities
  • Income Requirements at Retirement

Estate Planning

  • Why Estate Planning?
  • Wills and Trusts
  • Powers of Attorney
  • Healthcare Directives
  • Estate Taxes