Federal Employee Pre-Retirement Planning

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 and FERS Retirement System
• How service is credited
• How to calculate your retirement annuity
• What special considerations and conditions apply
• Survivor’s benefits considerations

Understanding the TSP
• How to assess your investment risk tolerance now and again when you are closer to retirement
• What are the five funds and how to understand them
• How to make changes in your fund allocation and/or distribution
• What are the catch-up provisions
• Other tax deferred investment programs, including IRAs and 401(k)s
• Rollovers
• Tax treatment

Understanding Social Security
• How service is computed
• How to calculate your benefit amount
• Windfall elimination and government pension offset (CSRS)

Health Insurance Benefit
• Medical insurance (FEHB) now and at age 65
• Medicare – Parts A & B and what they mean to federal annuitants
• Long term care insurance (FLTCIP)

Life and Disability Insurance
• How to use life insurance in estate planning
• FEGLI
• Social Security

Applications & Forms for Benefits, Beneficiaries & Information Requests

Lifestyles and Transitions to Retirement
• As a major life transition
• For the individual
• For the family
• How to make creative personal choices for the next stage of life

Health and Physical Concerns in Retirement
• Planning for a healthy retirement
• Preventative tests and lifestyle considerations

Financial Planning
• How to select a trusted financial advisor

Legal Concerns
• How to designate beneficiaries for your federal programs
• Wills, trusts & probate
• Medical directives