Phoenix TS

Mid-Career Retirement Planning Training

Course Overview

This 2-day, instructor-led course is designed for professionals wishing to improve their retirement outlook and develop a realistic retirement plan. This course will provide students with knowledge to:

  • Prepare a retirement readiness index and a financial plan based on their retirement income needs
  • Navigate through the tax-deferred Thrift-Savings Plan (TSP) retirement savings and investment account and the Federal
  • Employees Retirement System (FERS) defined benefit contributory account
  • Optimize their contributions to each of these accounts
  • Develop a thorough understanding of how civil service annuity


Currently, there are no public classes scheduled. Please contact a Phoenix TS Training Consultant to discuss hosting a private class at 240-667-7757.


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Course Outline

Federal Employees Retirement Systems (FERS)

  • FERS Eligibility for Retirement
  • FERS Computation of Annuity 
  • FERS Creditable Civilian Service
  • Retirement Deductions Never Withheld
  • Making Payment to Get Credit for Service
  • FERS Survivor Benefits
  • FERS Disability Benefits 
  • FERS Annuity Supplement
  • Refund of FERS Retirement Contributions 

Thrift Savings Plan (TSP)

  • Overview 
  • TSP and Your Retirement Package
  • Benefits of Participating 
  • Earnings Potential of Your TSP Account 
  • Eligibility 
  • Rehired Employees 
  • Investing Your TSP Account Contributions 
  • TSP Funds Overview 
  • Life Annuities 
  • Making or Changing Your Contribution Allocation
  • Borrowing from your TSP 
  • In- Service Withdrawal 
  • Additional Info for Service Members 
  • Taxes
  • Special Considerations 
  • Death Benefits 

Social Security 

  • Overview
  • Eligibility 
  • Estimate Your Benefits 
  • Applying 
  • Considerations 
  • Windfall Elimination Provision 
  • Survivors Benefits 
  • Working While Receiving Benefits
  • Government Pension Offset
  • Earnings Limitation
  • Taxation 

Retirement Benefits 

  • Federal Employees Health Benefits (FEHB)
  • Federal Employees Dental and Vision Insurance Program 
  • Flexible Spending Account (FSA)
  • Medicare 
  • Disability 
  • Survivor Benefits 
  • Federal Employees’ Group Life Insurance (FEGLI)
  • Federal Long Term Care Insurance (FLTCIP) 
  • Annual and Sick Leave 
  • Resources 

Making the Transition

  • Creating Your Retirement Budget
  • Selecting a Retirement Date
  • Applying for Retirement 
  • Annuities
  • Phased Retirement 
  • Finding Your Happiness in Retirement 

Financial Planning 

  • Financial Planning Overview 
  • Hiring a Financial Planner 
  • Employee Assistance Program (EAP)
  • Estate Planning 
  • Wills 
  • Trusts
  • Life Insurance 
  • Tax Planning 

Investing and Saving 

  • The Rule of 72 
  • The Power of Compound Interest 
  • Asset Allocation 
  • Diversification
  • Dollar Cost Averaging 
  • Traditional IRA’s and Roth IRA’s
  • Funding College Education 
  • Investment Options 
  • Alternative Investments 
  • Tips and Tricks for Saving 
  • Short Term and Long Term Savings 

Managing Debt

  • Revolving Versus Installment Debt
  • Paying Off Your Mortgage
  • Reverse Mortgages
  • Equity Lines of Credit
  • Consolidating Credit Cards
  • Credit Scores and Credit History

Your Action Plan 

  • Assess Your Retirement 
  • Assess Your Spending 
  • Assess Your Debt 
  • Compare Your Income and Expenses 
  • Envision Your Retirement 
  • Take Action on Your Retirement 
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