You can create personal action plans with step-by-step guides provided by
Debbie Mason, a Certified Financial Planner™ professional
No need for seminars with this retirement and financial literacy eLearning. Courses are self-paced and need not be taken all at one time.
Choose Your eLearning Course
Be Money Smart
Develop an action plan to have money for the life you choose.
- Improve money management.
- Plan steps to manage expenses.
- Manage credit and debt.
- Manage risk with insurance.
- Evaluate assets and liabilities.
- Create an emergency fund.
- Build savings with tax-smart retirement savings accounts: Federal Thrift Savings Plan (TSP) and IRAs
- Improve financial records.
- Make your plan with a step-by-step guide
Grow Savings
Learn to invest with TSP, Retirement, and Financial Planning.
- Make your financial/retirement plan with a step-by-step guide by Debbie Mason, a CERTIFIED FINANCIAL PLANNER™ professional.
- Identify goals and savings needed.
- Compare tax-smart saving — TSP, Roth TSP, IRAs, Roth IRAs.
- Estimate income needs and savings growth.
- Estimate Federal and other retirement income.
- Learn how to invest for short-, intermediate-, and long-term goals.
- Plan for child education, long-term care, and estate transfers.
- For Late-Career, plan tax-efficient income — TSP, Roth TSP, other.
- Customized for
-
Blended Retirement (BRS)
For those who entered service after January 1, 2018 OR those who switched from Legacy to BRS.
Hi-36
For those who entered service or after September 8, 1980, but before August 1, 1986 OR entered on or after August 1, 1986 and did not choose Career Status Bonus and REDUX retirement.
- Choose Your Course
-
Choose the course that fits you.
Early-Career (over 25 years to retirement)
Start now to control your financial future. Time is on your side if you start now — small investments have time to grow. Establish sound money management skills. Build an emergency fund. Invest early to put money and time to work.
130 — BRS
111 — Hi-36
Mid-Career (10 to 25 years to retirement)
Don’t procrastinate — it will be hard to catch up. Expand priorities to meet changing family needs. Learn how to manage for short-term goals and invest with a long-term strategy. Maximize contributions to your retirement savings so they can grow before you need them.
131 — BRS
113 — Hi-36
Late-Career (within 10 years of retirement)
Maximize contributions to your retirement savings before you retire. Eliminate remaining debt. Estimate retirement income needs. Learn how to invest for inflation-adjusted lifetime income. Evaluate withdrawal options and potential income from savings.
132 — BRS
115 — Hi-36
Plan Retirement
Ready to Retire? Tax-Smart Investment and Cash Flow Planning
- Create a tax-smart retirement cash flow plan.
- Learn ways to have more after-tax money to spend.
- Learn how to avoid stealth taxes.
- Learn ways to transfer assets efficiently to heirs.
- Determine retirement income needed from savings.
- Plan tax-smart withdrawals from employer-sponsored retirement savings plans and other investments: TSP and non-federal such as 401(k)s and IRAs.
- Determine a safe spending rate.
- Determine if Roth conversions would benefit you.
- Learn how to invest for inflation-adjusted lifetime income.
- Learn how to invest and allocate for retirement goals.
- Make your financial/retirement plan with a step-by-step guide.
Plan Your TSP Strategy
This short course helps you compare and choose tax-smart savings.
- Identify financial goals and costs.
- Identify expected retirement income.
- Choose to use TSP, Roth TSP, IRA, Roth IRA.
- Learn TSP and IRA contribution limits.
- For TSP and Roth TSP, calculate:
- Tax savings for contributions and withdrawals
- Potential savings growth
- Potential withdrawals — monthly payments (after taxes)
- Plan a TSP savings strategy with a step-by-step guide.
Note: the material in this course is included in the TSP, Retirement, and Financial Planning courses.
Sustainable — always current
for tax laws, returns, plan rules
Self-paced accessible elearning anytime
— no need for seminars