Lloyd Watnik Government Consulting Pre-Retirement Planning Programs 2009 General Information & Course Descriptions

Transcription

1 SERVICE FIRST Speakers Bureau Division Lloyd Watnik Government Consulting Pre-Retirement Planning Programs 2009 General Information & Course Descriptions Civil Service Retirement System (CSRS) Attendees will learn the intricacies of planning a successful retirement, including budgeting for retirement, disability and for survivors, and how Social Security works for CSRS employees. This in-depth course will enable employees to make an informed decision (which may be not to retire). It is presented in a style that makes the information easy and relevant for the employee, regardless of their prior conceptions about retirement. Applicable for employees <10 years from retirement March 10-12, 2009 February 20, 2009 San Diego, CA May 12-14, 2009 April 13, 2009 Chicago, IL July 7-9, 2009 June 8, 2009 Atlanta, GA September 22-24, 2009 August 24, 2009 Seattle, WA Federal Employees Retirement System (FERS) Our instructor has been lecturing about FERS benefits since the rules were finalized in 1983, and has been involved in TSP instruction since its inception. This course includes an attorney-led session focused on estate planning. Applicable for new hires and employees <5 years from retirement June 2-4, 2009 May 4, 2009 Charleston, SC July 28-30, 2009 June 29, 2009 Dallas, TX TBA TBA New York, NY TBA TBA Chicago, IL CSRS and FERS These combined courses ensure that no program employee is uninformed. The CSRS retirement and survivor benefits session is run concurrently with estate planning advisory session for the FERS employees. When the class is united, emphasis is given to the differences in Social Security and TSP programs for both. Applicable to all employees. March 31-April 2, 2009 March 2, 2009 Albuquerque, NM April 7-9, 2009 March 6, 2009 Arlington, VA June 29-July 2, 2009 June 1, 2009 Baltimore, MD September 1-3, 2009 August 3, 2009 Charlotte Amalie, VI October 5-8, 2009 September 7, 2009 Honolulu, HI November 2-5, 2009 October 5, 2009 San Diego TBA TBA Tamuning, GU TBA TBA Pago, Pago, AS TBA TBA Majuro, MH MORE Copyright 2009 Befitting Service Page 1 of 5

2 Thrift Savings Plan & Social Security Our instructor has a 41-year background in Social Security. We present in a style that makes the information easy and relevant for the employee regardless of their prior conceptions about retirement. Applicable to new employees, those in their mid-career, and employees who counsel personnel on SSA and TSP matters. We help participants identify and plan for mandatory retirement dates (personnel including law enforcement, fire fighters, MRTs, Foreign Service Officers, etc.). March 9, 2009 February 20, 2009 San Diego April 6, 2009 March 6, 2009 Arlington May 11, 2009 April 13, 2009 Chicago June 1, 2009 May 4, 2009 Charleston July 6, 2009 June 8, 2009 Atlanta September 21, 2009 August 24, 2009 Seattle CSRS-FERS for Law Enforcement and Public Safety Personnel For Law Enforcement and Public Safety personnel, this course is uniquely tailored to emphasis the differences that eist. We separate the two programs for retirement training by having the other system learn about estate planning with an attorney who's background includes 11 years of lecturing to Federal Employees and their unique situations. Applicable for employees <10 years from retirement, counseling HRO personnel, and all Law Enforcement and Public Safety Personnel. Our primary instructor has a 14-year background in lecturing this group of employees. May 25-28, 2009 April 27, 2009 Philadelphia July 21-23, 2009 June 22, 2009 San Diego August 17-20, 2009 July 20, 2009 New York September 28-October 1, 2009 August 31, 2009 Denver TBA TBA Anchorage, AK TBA TBA San Juan, PR Courses Available in Closed Session Only Air Traffic Controllers (CSRS-FERS): Careful eplanation of mandatory retirement for ATCs, including the unique options for health insurance, Social Security and disability benefits. Early Benefits Counseling (EBC): Applicable to new hires and mid-career employees, plus added benefit to Air Traffic Controllers, Fire Fighters, Law Enforcement, and Military Reserve Technicians. Military Reserve Technicians (CSRS-FERS): Epert definition of mandatory retirement rules for MRTs and the intricacies of Federal Employee Health Benefits in conjunction with TriCare and Medicare. Open Enrollment Season (Insurance): During open enrollment periods, we eplain the changes for the current year, as well as applicable and appropriate choices for health insurance benefits, vision and dental benefits, and the fleible spending account. Call for a quote. MORE Copyright 2009 Befitting Service Lloyd Watnik Government Consulting Page 2 of 5

3 Course Inclusions Subject matter including, but not limited to: Topics/Subjects CSRS FERS CSRS+FERS CSRS+FERS (LE/PS) 6-C Advantages/Disadvantages of Diversification Alternative Forms of Annuities Application for Retirement Forms Asset, Ta Money Issues ATC Firefighter Issues ATC Law Enforcement ATC Special Guarantee Provisions (20-25 yrs) ATC Special Provisions under FERS ATC Special Retirement Supplement Auiliary Benefits Buy Back Issues Catch 62 Post-56 Military Service C-F-G-I-L-S Funds (Current Investment Option) C-F-G-I-L-S Plans (Full Discussion) Children or Dependents Common Stock Fund (C Fund) Complete Discussion Complete Eplanations Computation Eamples Computing Taable Portions Computing the Cost of Making a Deposit CSRS & FERS Contributions Death, Divorce, Survivor Benefits Dental & Vision Insurance Dental & Vision Plans Deposit/Redeposit Services Detailed Questions and Answers Disability Retirement Earnings Limitations Eligibility Factors Affecting Computation Estate Planning Estate Planning (Wills, Trusts, Probate) Eamples of Computations Factors Affecting Annuity CSRS Family Maimums Federal Benefits (CSRS) Federal Benefits (CSRS) (FERS) Federal Benefits (FERS) Federal Ta Liabilities FERS & Social Security FERS (Full Discussion) FERS Special Retirement Supplement (SRS) Financial Overview of Investment Principles Financial Planning Firefighters Firefighters (When Applicable) Firefighters, LE, MRT, Air Traffic Controllers Fied Inde Fund(F Fund) FSRDS (Foreign Service Retirement & Disability System) FSPS (Foreign Service Pension System) Future TSP Changes Government Pension Offset (CSRS) Government Securities(G Fund) Hands-on Eercises Health & Life Insurance Health Insurance FERS EBC (FERS) TSP & SS Copyright 2009 Befitting Service Lloyd Watnik Government Consulting Page 3 of 5

4 Topics/Subjects CSRS FERS CSRS+FERS CSRS+FERS (LE/PS) Health Issues How Benefit is Figured How to Make your Funds Grow Indian Affairs (When Applicable) International Fund & Small Cap Funds Investment Options Issues of 6-C Law Enforcement Law Enforcement & Firefighters (Issues of 6-C) Law Enforcement (Issues of 6-C) Law Enforcement (When Applicable) Law Enforcement/Firefighter Issues Law Enforcement/Firefighter Issues (CSRS) (FERS) Life Insurance Life Insurance Disability Retirement (FERS) Long Term Care Insurance Long-Term Care Insurance (Federal Plan) Major Provisions of PL Medicare A, B, & D Military Reserve Technicians (Title 32) Military Retiree Military Time/ Military Retirement MRT Early Retirement MRT Special Disability Requirements National Guard (Title 32) New Law Changes New SS Law Changes Post Retirement Issues Practical Financial Planning Primary Insurance Act Principles of Social Security Qualifying for Social Security Relocating Retired Military/Military Reserve Technicians Retired Military/Military Time Retirement Retirement Age Increase Retirement Concerns Risk Factor Social Security (Complete Discussion) Social Security (Medicare A & B) Social Security Disability Special Retirement Supplement (SRS) Special Rules Spouse State Laws/Ta Advantages Survivor Benefits Ta Brackets & Ta Limits on Contributions Taation of Benefits Temporary Time The Offset Employee Thrift Savings Plan (C-F-G-I-S-L Funds) Time, Health & Lifestyle Issues Tools for computing it Understanding it all Variable Interest Rates Voluntary Contributions Wills, Trusts, Probate, Medical Directive Windfall Elimination CSRS FERS EBC (FERS) TSP & SS Copyright 2009 Befitting Service Lloyd Watnik Government Consulting Page 4 of 5

5 Meet Our Instructor Lloyd D. Watnik, Government Benefits Consultant National public speaker and Federal civilian benefits specialist Lloyd D. Watnik is among the nation s foremost authorities on Social Security, Medicare, and Government retirement benefits. Before retiring in 1994, Mr. Watnik was employed by the Social Security Administration for 27 years (24 years as a Manager). He has been involved in Social Security & Federal Government Benefits for over 41 years (36 years in CSRS). Mr. Watnik has been training Federal employees and lecturing in the private sector since He is considered one of the foremost authorities on Social Security and Medicare. He is also an epert on Public Law (The Indian Sovereignty Act) and can eplain the consequences of tribal preemption of Federal jobs. Mr. Watnik is a retirement consultant, and speaks throughout the United States, its territories and outlying areas. His informative trainings and presentations are efficient, applicable and modern. He has been invited to speak to the employees and advise the clients of various corporations and government agencies, including employees at the Secretary level and the highest ranking Congressional Staff. Available eclusively through Befitting Service, February 2009 FEE SCHEDULE Course Seminar Length Cost Per Employee Base Group Rate Group Rates (additional fee per employee, after prior rate) 1 to to to to to to or more CSRS 3 Days $446 $9,450 $293 $275 $248 $225 $194 Call for quote CSRS+FERS 4 Days $585 $14,918 $371 $351 $321 $296 $261 Call for quote EBC (FERS only) 2 Days $356 $8,325 $243 $216 $189 $162 $132 Call for quote FERS 3 Days $446 $9,450 $293 $275 $248 $225 $194 Call for quote LE/PS (CSRS+FERS) 4 Days $585 $14,918 $371 $351 $321 $296 $261 Call for quote LE/PS (CSRS only) 3 Days $446 $9,450 $293 $275 $248 $225 $194 Call for quote LE/PS (FERS only) 3 Days $446 $9,450 $293 $275 $248 $225 $194 Call for quote MRT & ATC 3 Days $446 $9,450 $293 $275 $248 $225 $194 Call for quote TSP & SS 1 Day $225 $6,300 $180 $158 $135 $113 $ 90 Call for quote Includes: Ecludes: Full ON-site training. One Workbook per pre-registered attendee. One guest spouse per pre-registered attendee. Follow up s and phone calls are permitted without charge. There is no time limit on this added benefit to participants. Domestic travel and per diem. OFF-site coordination. International destinations subject to increased travel and per diem plus additional coordination fees. ALL OPEN CLASS DATES SUBJECT TO CHANGE BASED ON ENROLLMENT. Payment, processing and location details forwarded upon successful registration. Registration closes thirty days prior to start date for each course. Late registrations subject to ten percent processing fee. Booking Information speakers@befittingservice.com Copyright 2009 Befitting Service Lloyd Watnik Government Consulting Page 5 of 5