Customized for employees in the Federal Employees Retirement System (FERS) - employees hired after January 1, 1987 OR those who switched from CSRS to FERS

Interactive, self-paced, training in the Thrift Savings Plan (TSP), retirement, and financial planning for employees with less than 10 years to retirement. Maximize contributions to your retirement savings before you retire.

Develop a personal financial plan with a step-by-step guide written by Debbie Mason, a CERTIFIED FINANCIAL PLANNER™ professional. 

• Estimate retirement income needs.
• Learn how to invest for inflation-adjusted lifetime income.
• Learn about your Federal benefits.
• Plan a tax-smart saving strategy for TSP, Roth TSP, IRAs, and college savings.
• Compare mutual funds and exchange-traded funds (ETF’s).
• Itemize current and planned savings.
• Calculate potential savings growth to see if you need to save more.
• Learn the potential risks and returns of cash, bonds, stocks, and international investments and their related TSP funds (G, F, C, S, and I).
• Learn how to balance risk and return and how to choose and allocate investments for short-, intermediate-, and long-term goals.
• Evaluate TSP L funds to decide if you will use them.
• Learn key estate planning steps.
• Compare TSP and Roth TSP withdrawal options and estimate potential cash flow from monthly payments and annuities.

Certified Financial Planner Board of Standards Inc. owns the certification mark above which it awards to individuals who successfully complete initial and ongoing certification requirements.