Planning, Inc. seminars are tailored to a specific audience: those at the beginning of their federal service; those at the mid-point in their careers and those nearing retirement. The seminars are organized around specially-designed modules. The number of topics covered is based on the requirements of the client agency and the length and type of course. Comprehensive, customized resource materials are provided to each attendee.

Federal Benefits – A clear presentation by federal benefit specialists is offered on CSRS, CSRS offset, FERS, TransFERS, Social Security and Medicare. Other topics include health benefits (FEHB), dental and vision insurance options (FEDVIP), flexible spending accounts (FSAFEDS), health savings accounts (HSAs), life insurance (FEGLI), long-term care insurance (FLTCIP) and the thrift savings plan (TSP). We provide worksheets to calculate estimated retirement annuities and helpful hints on steps to take now to prepare for retirement including resolving issues prior to and immediately after retirement. We also offer information on local agencies and state tax treatment of retirement pay.

Financial Planning - This vital and stimulating module is appropriate for all levels of understanding. A certified financial planner provides participants with a solid foundation of financial principles and leads to the development of a sound investment strategy. Focal points include understanding net worth, budgets and savings, controlling consumer credit, risk vs. reward and investing in the TSP (Thrift Savings Plan) and beyond.

Legal Issues – An attorney specializing in estate planning and/or elder law explains the importance of wills, various types of trusts, powers of attorney, and advanced medical directives. This is designed to help participants identify elder law issues and other legal concerns that should be considered in comprehensive long-term planning.

Healthy Living – This segment emphasizes the importance and techniques of balanced living; how to create an individual “wellness plan” for life; how to integrate proper nutrition; the importance of regular exercise and the role stress management and stress reduction plays in a healthy life style. An experienced heath professional presents this session.

Transition Planning – A highly-qualified transition specialist facilitates our understanding of our interests, our goals and ourselves which is an essential part of any transition to a new phase in life. The relative importance of structure, purpose and interpersonal relationships in our lives is emphasized. Career assessment is also addressed to analyze our abilities and understand our strengths to help develop effective job search strategies.

Planning, Inc. Courses:

Retirement – For those employees within 5 years of retirement
3 Day – Federal Benefits, Social Security/Medicare, Assess Insurance Options (FEGLI, FEHB, FEDVIP, FLTCIP), Financial Planning and the TSP, Estate Planning and Other Legal Issues, Health and Wellness, Transition Planning
2 Day – Federal Benefits, Social Security/Medicare, Assessing Insurance Options (FEGLI, FEHB, FEDVIP, FLTCIP), Financial Planning and the TSP, Estate Planning and Other Legal Issues
1 Day “Refresher” (CSRS or FERS Systems) – Federal Benefits and Social Security/Medicare

Long-Range Planning for Retirement (FERS/TransFERS Employees) – Mid-Career Employees who are within 15 years of retirement

2 Day – Federal Benefits, Social Security/Medicare, Health and Life Insurance (FEHB/FEGLI), Financial Planning and the TSP, Review of Insurance Needs (Life, LTC, FSA), Tax and Estate Planning

Long-Range Financial Planning – For new employees and mid-career

1 Day – Financial Planning, The Thrift Savings Plan, Investing Beyond the TSP, Insurance Needs, Tax and Estate Planning

Mid-Career Planning – For those employees within 15 years of retirement

2 Day – Federal Benefits, Social Security/Medicare, Assessing Insurance Options (FEGLI, FEHB,FEDVIP, FLTCIP), Financial Planning and the TSP, Estate Planning and Other Legal Issues OR Transition Planning (Note: a full day of financial planning may be substituted for either estate planning or transition)

New Employee Orientation – For those employees within 1-5 years of hire

1 Day – Federal Benefits (FERS), Social Security/Medicare, Health Insurance (FEHB) and Life Insurance (FEGLI), Financial Planning and the TSP
½ Day – Federal Benefits (FERS), Financial Planning Basics

Financial Planning for New Employees – For those employees within 1-5 years of hire

1 Day - Setting Goals, Budgeting, Managing Debt, Investment Planning, the Thrift Savings Plan, Insurance Needs and Tax and Estate Planning issues
½ Day – Abbreviated version of above

Long-Term Care (LTC)
½ Day – Basics of LTC Insurance, How It Works, Tax Issues, FLTCIP Eligibility Requirements

Other Half Day Seminars

Financial Planning and the TSP
Estate Planning and other Legal Issues
Flexible Spending Accounts (FSA’s), Health Savings Accounts (HSAs)