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.
- Customized for federal and non-federal retirees
-
Retired U.S. employees and military members with a TSP (Federal)
For those with the Federal Thrift Savings Plan (TSP) along with other non-federal plans such as 401(k)s and IRAs.All other retirees (non-Federal) with any of these
Employer-sponsored retirement plans:- 401(k) plans for small to large for-profit organizations and non-profit organizations.
- Individual 401(k) plans for sole proprietors or partners with no common-law employees (employees other than an owner, business partner, or shareholder of a corporation and their respective spouses.)
- Simplified Employee Pension (SEP) IRAs for any business
- SIMPLE IRAs for businesses with 100 or fewer employees
- 403(b) plans for health care, academic, and tax-exempt organizations (e.g., hospitals, nursing homes, charitable institutions, school systems, colleges/universities.)
- 457(b) plans for state and local government entities and agencies, including public schools, and some tax-exempt organizations.
- 401(a) retirement plans for state and local government entities and agencies, educational institutions, and nonprofit organizations.
Choose Your 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 (e.g., Federal Thrift Savings Plan (TSP), IRAs, 403(b), 457(b), 401(a), 401(k), IRA, Simplified Employee Pension (SEP) IRA, SIMPLE IRA).
- Improve financial records.
- Make your plan with a step-by-step guide
- Choose your Course
-
Federal
Customized for U.S. Federal Government and Military with a Thrift Savings Plan (TSP)Non-Federal
Customized for Large/Small Businesses, Sole Proprietors, Local Government, Schools, Tax-Exempt Organizations with 401(k)s, Simplified Employee Pension (SEP) IRAs, SIMPLE IRAs, 403(b), 457(b), and 401(a) plans and Federal retirees with no TSP.
Plan Retirement
Retired? 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 (e.g., TSP, IRAs, 403(b), 457(b), 401(a), 401(k), IRA, Simplified Employee Pension (SEP) IRA, and SIMPLE IRA).
- 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.
- Choose your Course
-
Federal
Customized for U.S. Federal Government and Military with a Thrift Savings Plan (TSP)Non-Federal
Customized for Large/Small Businesses, Sole Proprietors, Local Government, Schools, Tax-Exempt Organizations with 401(k)s, Simplified Employee Pension (SEP) IRAs, SIMPLE IRAs, 403(b), 457(b), and 401(a) plans and Federal retirees with no TSP.
Sustainable — always current
for tax laws, returns, plan rules
Self-paced accessible elearning anytime
— no need for seminars