3-Day Split Retirement Planning (CSRS/FERS Separate Days)
The average American spends more time planning their annual two-week vacation than they spend planning for their retirement.
The need for retirement planning is greater today than it was even 10 years ago. Employees have options, choices and considerations that they must be fully aware of in order to make the most of their retirement.
Target Audience: Employees within 5 years of retirement. This seminar provides all the information that an employee needs to prepare for retirement.
Our 3-day Split Retirement Planning Seminar is designed to cover the provisions unique to CSRS on Day 1, general provisions that apply to all employees on Day 2, provisions unique to FERS on Day 3
Day 1
Introduction
Preparing for the Transition
Civil Service Retirement System
Eligibility
Deposits, Redeposits & Military Service Deposits
Creditable Service
Computation Treatment of Unused Sick Leave Offset at age 62 (CSRS Offset only) Survivor’s Benefits Health Insurance
Flexible Spending Accounts High Deductible Health Plans with Health Savings Accounts Federal Employee Dental and Vision Insurance Program Life Insurance Taxation (Federal & State) Lump Sum Annual Leave Payment COLAs
Thrift Savings Plan
Investment Options in Retirement
Catch-Up Contributions
Concept of Compounded Interest
Withdrawal Options
Tax Issues
10% Early Withdrawal Penalty
Day 2
Social Security and Medicare
Understanding Your Social Security Benefits Statement
Earnings Limitation Taxation Windfall Elimination Provision Government Pension Offset Actuarial Reduction
Medicare
Why Age 65 is Important
Three Parts (Hospital, Medical & Prescription)
Enrollment Periods
Cost
Covered Services Deductibles & Coinsurance
Primary Secondary Payer
Long-Term Care Insurance
What Is It?
Why You Need It
Options & Features of Coverage
Resources for Making Your Decision
Financial Considerations
Budgeting
Investing
Projecting Financial Needs
Legal Aspects
Introduction of Legal Terms
Importance of Developing and Maintaining a Current Will Trusts (Living (revocable/irrevocable), Testamentary, and Insurance)
Power of Attorney, Personal Representative
Probate What is a Living Will?
Relocation Considerations
Health & Lifestyle Considerations
Processing Your Retirement
What to Expect
Day 3
Introduction
Preparing for the Transition
Federal Employees Retirement System
Eligibility
Deposits/Military Service Deposits
Creditable Service Computations Basic FERS Benefit Annuity Supplement Survivors' Benefits Health Insurance Flexible Savings Accounts High Deductible Health Plans with Health Savings Accounts Federal Employee Dental and Vision Insurance Program Life Insurance Taxation (Federal & State) Lump Sum Annual Leave Payment COLAs
Thrift Savings Plan
Investment Options in Retirement
Catch-up Contributions
Concept of Compounded Interest
Withdrawal Options
Tax Issues
10% Early Withdrawal Penalty (if retirement occurs before age 55)
S.
Harman & Associates, Inc.
"The best presentation of it's kind that I have
experienced in 33 ½ years of government service."
"Clear presentation of vital information."
"Presentation was very good, instructor was
excellent, used very good examples and answered all questions."
"It was great having CSRS and FERS separate."
"I am CSRS my spouse is FERS we got so much more from this seminar than an other we had attended it was great to hear about CSRS and FERS but not jump back & forth."
"Top notch seminar - It was an excellent Federal bonus."
"Shock at what I have learned about retirement. You thought you were ready until you attend this seminar, then your whole outlook about retirement changes."
" Best seminar on retirement I have ever taken."
"Every employee should be required to attend."
"Good advice, open frank discussion very necessary seminar for all employees."
"This is something that everyone needs to attend more often or well before considering retirement ."
Eligibility 
