MLH Training Curriculum

The CSRS and FERS Pre-Retirement Planning Courses are designed for Federal Employees who are mid-career or who are close to retirement. In each program, participants will receive all the information they need to make educated decisions regarding their personal retirement plans.

Understanding the CSRS Retirement System

1. Understanding Defined Benefit Retirement System
2. What is the CSRS Annuity
3. How service time and the annuity are computed
4. Survivor Benefits, Insurable Interest, Disability Benefits, Social Security Benefits and more

Understanding the FERS Retirement System

1. All of the items listed in “Understanding the CSRS Retirement System”
2. Plus, vesting and how it works
3. Types of FERS Retirements
4. COLAs and the FERS
5. The FERS Special Supplement

Understanding Social Security

1. How service is computed & retirement benefit at full retirement age, before & after
2. Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) for CSRS
3. Spousal Benefits, Disability Benefits, Survivor Benefits and more

Understanding the Thrift Savings Plan (TSP)

1. Defined Contribution Retirement Systems
2. 2007 contribution limits and catch-up contributions
3. Tax considerations and your take-home pay
4. Determining your investment objective and time horizon
5. The five funds, diversification, risk tolerance, penalty-free distributions, TSP loans, rollovers, beneficiary considerations, managing the TSP in retirement and much more

Understanding Health, Life and Long Term Care Insurance Benefits

How these insurance programs work — and how to fit them together to meet your planning goals.

1. Medical insurance (FEHB) now and at age 65
2. Medicare
3. The Military Retiree, TRICARE and Medicare
4. Long Term Care Insurance
5. Federal Employees Group Life Insurance (FEGLI) – How Life Insurance Works in Estate Planning

Flexible Spending Accounts (FSAs)

1. Health Care Flexible Spending Accounts and the (HCFSA)
2. The Dependent Care Flexible Spending Account (DCFSA)

Understanding Financial Planning and the Role of a Registered Investment Advisor

1. Managing your financial assets after your federal career
2. What is a Registered Investment Advisor and a Financial Planner and how to select one

Legal Concerns

• How to designate beneficiaries for your federal programs
• Wills, trusts and probate; Medical directives and rights
• How to select an Estate Planning Attorney

Courses for Special Groups… Law Enforcement Officers & Firefighters

Mid-Career Courses

Designed primarily for those with more than 10 years of federal service, this course is usually a full two days. It explains investing and managing the TSP, the FERS Retirement System, Social Security, using the FEGLI now and in estate planning, Legal Considerations to include Wills, Trusts, Probate, Minor Children, Health Directives, DC FSAs, and Federal and State Tax Considerations. It also integrates the features of HSA FSAs and Health Insurance, and Long Term Care Insurance.

Pre-Retirement Courses (FERS) and CSRS and CSRS Offset

Designed primarily for those within approximately five years of retirement, this course is usually two to three days. This course explains everything covered in the Mid-Career Course with an emphasis on Shorter Term Planning. In addition, it covers the specifics of MEDICARE and the Federal Employee, detailed considerations of many decisions required at retirement for the FERS, CSRS, TSP, FEGLI., etc. The three day course includes the social and psychological aspects of life after federal service.

New Employee & Early Career Benefit and Retirement Planning Courses

Designed primarily for those who are have approximately six months to three years of federal civilian service. It explains the FERS and Retirement systems to include vesting and the annuity calculations, Social Security, disability, and the TSP, plus matching funds, the basics of investing and the tax benefits at the bottom line of making contributions. Also, you’ll gain a basic understand of life insurance through FEGLI.

Federal Benefit Training Courses

One-day or two-day classes designed to meet the needs of your workforce

One-Day Classes:

On-site at your location in the S.F. Bay Area in one day increments. On-site at your location outside the S.F. Bay Area in two day increments

Two-Day Classes:

Visit www.mlhtraining.com for locations and dates.
Offered off-site in certain cities

Three-Day Classes:

Offered on-site at your location only

Three-Day Combo CSRS & FERS:

Offered on-site at your location only. Featuring one day of Shared Benefit Programs plus one day each of CSRS and FERS specific material

Four-Day Combo CSRS & FERS:

Offered on-site at your location only. Featuring two days of Shared Benefit Programs plus one day each of CSRSand FERS specific material

Pricing/Methods of Payment

For pricing, please call or email usfor details: info@mlhtraining.com.

We accept government credit cards, purchase orders, letters of agreement,and electronic fund transfers.