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Unlocking Federal Retirement Strategies: Secrets for a Secure Future

Discover the best-kept secrets about federal employee retirements from F³E Foundation for Financial Education. Learn about crucial aspects such as tax brackets at retirement, the 3-legged stool approach, SBP and TSP income strategies, and how to balance federal and non-federal benefits. Gain insights into maximizing your retirement income, minimizing taxes, and understanding retirement eligibility. This comprehensive resource will guide you through essential topics like healthcare, COLA, and strategic asset allocation to ensure a successful retirement journey.

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Unlocking Federal Retirement Strategies: Secrets for a Secure Future

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  1. Federal Retirements Best Kept Secrets Presented By: F³E Foundation for Financial Education www.f3eonline.org – sharon@f3eonline.org – 1-240-499-0390

  2. www.federaldaily.com Federal Employee Almanac • ChFEBC – Chartered Federal Employee Benefit Coordinator • Training and Educations • Resources • Retirement Projections • Balancing Federal and Non-federal

  3. What Tax Bracket will I be in at Retirement?? • 3 Legged Stool • SBP • TSP Income • Income from other sources • Loss of deductions • Marginal Rates • Where are tax rates going?

  4. What makes us so Special? • Defined benefit pension • Healthcare • COLA (pre and post retirement) • Locality Pay • Limited underwriting, max insurance

  5. The Rules of the Game • Retirement eligibility • Short Term Disability vs. Long Term • Federal Long Term Care • Breaks in service • Buyouts and buybacks

  6. Exit Strategies • When, where and how to take income in retirement • RMD’s • Minimizing taxes in retirement • Maximizing interest/reducing risk • Leveraging your assets

  7. Free Insurance • FEGLI • RETIREMENT

  8. TSP, Catch up & Loans • Match on TSP • Strategic allocation • Max and catch-up • Loan provisions • Roth vs. Regular

  9. CSRS Voluntary Contribution • How does it work? • How to fund it • Roth Conversion

  10. 300 + Private Colleges • Scholarships up to $44K, non need based • 260,000 students currently enrolled • 25 million given out last year

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