I. Introduction:

PLANNING, Inc. is a minority owned, service disabled, veteran owned small training company specializing in human resource needs with particular emphasis on providing information to government employees on their federal retirement benefits, financial and estate planning, lifestyle transition and health in retirement. We have organized and delivered over 3,700 programs to 70 different federal agencies since 1982 reaching more than 115,000 participants. In addition to these programs, we provide one-on-one retirement benefits counseling for federal employees when requested by their agencies.

II. Federal Benefits Counseling

Our Senior Benefits Specialists have more than 20 years experience in the field of federal employee benefits. Our counselors provide one-on-one sessions on all retirement issues and have been involved in past "open season" drives with respect to FERS, TSP, FEHB, FEGLI, FLTCIP FSAFEDS and FEDVIP. Some of the key services provided by our counselors are:

• Provide counseling to federal employees on retirement, disability, health and life insurance, the TSP and related matters
  
• Review official personnel folders to ensure all relevant service is documented, employees are in correct retirement system and files are complete and correct
  
• Prepare retirement annuity estimates
  
• Prepare estimates of deposits and redeposit service and initiate billing by OPM
  
• Review and forward retirement papers to OPM through the National Finance Center
  

III. Client Agencies
Planning, Inc. has been conducting one-one-one counseling since for the past 11 years. Some of the agencies where we have performed this service are:

• Department of Justice 
  
• Nuclear Regulatory Commission 
  
• Department of Defense (Army)
  
• Smithsonian Institute
  

Line of Business: Retirement and Financial Planning Seminars for Federal Employees;  Retirement Benefits Counseling.