By far it becomes an easier road to travel when you learn from those who have gone before you, because no two Individuals are the same and no one formula fits all - we have learned through years of Experience how to maneauver through the land mines called retirement Benefits. No matter of you are CSRS /FERS or Offset we can help. Even if you are 1,5, or 10 years from Retirement - pre planning and Education will be your Success. We cover all the Benefits from FEHB, SSA, Pension, FEGLI, Disability, Medicare, Taxes and much more - we are the go to Information source who Specializes in Federal Benefits and planning.
To create an Educational environment that would better prepare (YOU) as a Federal Employee with the tools needed to not only understand your Benefits, but be able to apply the knowledge toward a Successful Retirement Future. When we evaluated the number one area for Federal Employees we found the concern was Education and Planning. Not just any Education but the main area of (Federal Benefits). We immediately began compiling areas of Educational Classes that covered these concerns, and what people like yourself have been asking for. These areas ranged from ( when can I Retire, how much will I Earn at Retirement, at what Age am I eligible to Retire, what will my Social Security Amount (PIA) be, what is CSRS - OFFSET, how do I determine Spousal Benefits, how do I fill out my Retirement Papers, what about Medicare, how to apply for Disability, should I buy back my Military Time, when should I take my SSA Income, what are RMD's, how does my TSP Income work- and when should I take the Income. We are adding additional Classes as we continue to see changes, and the new Directions the Fed Benefits have toward future positions - and we will continue to strive toward your Pre-Retirement, and Retirement Educational Success - using the Foundation - Knowledge will always be the keys to Success!
We help you understand the best days to Retire, Pension amount, buy back time, creditable service, Annual and Sick Leave and how you can benefit the most.
TSP is more than just a ''Savings Account'' in many cases it supplements your Income - but the question becomes do you have a plan, a goal, understand RMD's, and Taxes?
It is extremely important on knowing when to take SSA Income, and how much SSA Income you will receive - it is also important to know how FEHB and Medicare work together.
The saying is so true - ''People do not plan to Fail, they simply FAIL to PLAN - ask yourself do you have a Plan? Would the road be smoother with a plan and knowing what is ahead?
With years of Experience we have learned one thing that is so true - the majority of Fed Employees are inspired-goal driven-career oriented - but lack the basic knowledge of understanding there Benefits, no matter if it is TSP, Spousal, FEHB, FEGLI, SSA, Taxes, Disability - and often say to us after attending our classes - this was truly an eye opening experience and will better position us going into Retirement.
We offer an Analysis that will give you more information with a snapshot of - what your Retirement Benefits will be - it will cover your Pension, best days to retire, TSP Income, Medicare, when to take Social Security Income, Fers Supplement and much more.
One of the greatest concerns becomes when should I take Medicare - should I keep my FEHB, how do they work together when I retire - we cover all the areas and more.
SSA Income becomes a bit confusing - when do I take my SSA Income, at what age, what Income will I receive, what about Spousal Benefits, what if I am CSRS - we help cover the infomration and simplify the terms and conditions so it is easier to understand.
TSP becomes a huge participant in Supplementing your Income in Retirement but with out a PLAN how will you know if you reached your Goal. Ask yourself - how much will I need in Retirement, how much growth will I need during my work careeer, how much should I contribute, during retirement what is my plan to keep up with the cost of living, do I understand RMD's or Required Minimum Distributions and how this effects me, what are the tax advantages, am I on track?
The question becomes difficult - how much should I leave my Spouse and what Benefits are available? Do I have a balance between Taxable funds and Non Taxable Funds? If something happened today - would my Family be Financially stable and at what Iincome - and will it keep up with the Cost of Living? What Income will my Spouse/Partner and or Family need if something happens to me tomorrow and my Income stops? Through proper Planning you can get the answers to not only plan but know the answers to protect your Loved One's.
One area I know we can all agree on is - " there are numerous moving parts" to Planning. Putting together a projected retirement date, having the correct age-creditable service time, when to take the Pension, when to take SSA, when to signup for Medicare, when should I take TSP Income and how, understanding taxable verses non taxable accounts, when do i apply for retirement and how do I complete the application process, what amount should Ii be contributing to my TSP, should Ii contribute to the TSP Roth, how to protect my Spouse and or Family, will I work after retirement, understanding the SSA penalties for being under FRA and working. As you can see these are just a few of the tough questions you will need answers to. I hope you can see the importance of having not just a strategy but also a plan in place to create a secure financial roadmap for your Future.
Our Classes are continuing to Expand to cover all areas of overall Retirement Planning. A great quote from George Foreman stated - " It is not at what age you retire that is Important, but at what Income. Truly well spoken words - understanding your BENEFITS will allow you to have a Successful Future in retirement - and it all starts with Education and preparation through planning. Ask about our New Classes and Podcast.
If you are looking for answers to tough questions, access to classes, or even Consultation - contact us today.
The Road to Success begins by asking questions - not to a co-worker - they have a different path and financial directions that are different than yours. It begins by working closely with those who Specialize in your Retirement Benefits and Understand how important a Personal Plan of action can prepare you for a Successful Future.
The first stage is to attend the Classes, no matter if you are 1 , 5, or even 10 years away from retirement - through our classes you will be able to better prepare yourself for the Road ahead.We have made attending classes easier than ever - it can be from home on any PC, Tablet, Smart Phone or Smart TV.
Second stage is etremely important - schedule a one on one consultation - this will begin the process of a Retirement Analysis by putting together a Personalized plan that fits your Goals and Needs, and your Family while working with a specialist closely.
The last part of the stages are to sit down with a Specialist and go over your personalized analysis with you - this analysis will allow you to have insight and preparation for you and or family. Now that you have a plan, you can take action and closely work with a specialist.
The photo's are not of the actual persons - but the quotes are. We have learned to grow - your Input is important, it allows us to continue the journey of Education through what truly matters. By listening to your questions and areas of concerns we are able to put the Quality of Information that will create the greatest understanding of your Benefits.
By far the most informative Classes I have attended in 20 Years, just started the Podcast.
Robert A.
Pre-RetirementNot only are your classes spot on - but your Newsletters are terrific. Thanks for helping me along the way.
Henry D.
Pre-RetirementWe have been searching for years to better understand the Benefits, thanks for simplifying.
Mark S.
SpouseThe information has helped me transition into retirement and even after retirement, and your help with questions I did not understand.
Patricia
RetireeBy attending the classes I was able to make changes to my plan and saved me over $100,000 - thank you.
Ron N.
Pre-Retirement