# Presentation: 704799

## PRE-RETIREMENT

**Will You Be Ready?**

**Or will you still have to...**

**PRE-RETIREMENT**
**SEMINARS**

- Presented by the Denver Federal Executive Board

**How to Register...**

***Make your plans NOW!  ***

- Attend the pre-retirement seminar for you...
**CSRS****, Wednesday, February 18, 2004**
**FERS,** **Thursday, February 19, 2004**

**Subject:  Pre-Retirement Seminars**** **
***	******             ******(Lunch not included)***
**If there your agency has multiple registrations list them on one sheet with name and class selection, and fill out one registration form and attach it to the list of names and send or fax with payment.**
- REGISTER EARLY:  Registrations will be accepted in the order received--when full, reservations will be put on a waiting list.  Registration deadline: Feb 16, 2004
- NO REFUNDS WILL BE GIVEN UNLESS CANCELLATION IS RECEIVED AND CONFIRMED BY FEBRUARY 16, 2004!
- NAME: _______________________________________________
- AGENCY: _____________________________________________
- PHONE:  _________________    FAX: ______________________
- EMAIL: ______________________________________________
**Select One: *****(Circle the class you will be attending)***
- CSRS:  Wednesday, February 18            FERS:  Thursday, February 19
*Payment maybe made by  cash, check or credit card*.
*(Returned checks will be assessed a $30 fee)*
- CASH         CHECK NUMBER: _____________             CREDIT CARD
- CREDIT CARD NUMBER: _________________________________
- EXPIRATION DATE:  ________        VISA  	           MASTERCARD
- VERIFICATION NUMBER: _______________________________
- NAME ON CREDIT CARD: _________________________________
- BILLING ADDRESS: _____________________________________
- CITY: ______________________   ZIP CODE: ________________
- PHONE: ______________________  FAX: ___________________
- SIGNATURE: __________________________________________
- Mail, FAX, or Email your reservations to the DFEB Office
- DFEB, Attn:  CJ Beasley
- 6760 E. Irvington Place
- Denver, CO  80279-8000
- Phone:  303-676-7009	FAX: 303-676-6666
- Email:  cj.beasley@dfas.mil

## ARE YOU PLANNING ON RETIRING...

- 20 or more???  Do today’s headlines of bankruptcy, questionable accounting practices, and soft stock market prices have you wondering what to do?  Do you worry about whether your retirement money will be there when you’re ready to retire?  If you answered yes to any one of these questions, or all of them, then you need to attended one of these seminars on pre-retirement planning to learn about financial planning in turbulent times; and, so that both you and your money will be ready when retirement time comes.

**ARE YOU PLANNING ON RETIRING...**

_**Fort Collins, CO   February 18 or 19, 2004**_
- What: 	**CSRS**
- When:	Wednesday, February 18, 2004
- Where:	Ft. Collins Marriott
- 	350 Horsetooth Road
- What:	**FERS**
- When:	Thursday, February 19, 2004,
- Where:	Ft. Collins Marriott
- 	350 Horsetooth Road
- Cost:	$99 per person (Registered before 2/12/04)
- 	$125 per person (Registered on or after 2/12/04)
*The Financial & Estate Planning Seminar, the second part to the *
*Pre-Retirement Seminars, will be offered on February 20, 2004.*
*Please use the separate registration form for that class.*

- 8:00 am	Registration Begins
- 8:30 am	Introductions
- Presenter
- Attendees
- Objectives
- Expectations of the attendees
-                Preparation for Retirement
- Visualization
- Paper Work
- 	Financial Planning
- ABC's of Financial Planning
- 	Federal Employee Benefits
- FERS
- CSRS
- CSRS offset
- CSRS Transferred to FERS
- 10:00 am	Break	10:15 am          Annuity Survivor Benefits
- Noon	Lunch	1:00 pm	Voluntary Contribution Program
- Thrift Savings Plan
- Federal Employee Group Life Insurance
- Federal Employee Group Health Insurance
- 	Social Security (WEP & GPO)
- 2:30 pm	Break	2:45 pm	Medicare
- 	Taxes
- 	Calculate Your CSRS or FERS Annuity
- Calculate income "need" at retirement
- Solutions
- 4:30 pm	End of Class

**Class Agenda**

**ABOUT THE SPEAKER...**

- Judy Snow privately owns Snow Cap Agency, Inc., she has over 20 years industry experience and 25 years as a public speaker.  Ms. Snow is a financial and estate planner who specializes in working with federal employees. She and her associates provide retirement and financial planning seminars to federal employees on all government benefits all over the United States.

**PRE-RETIREMENT PLANNING SEMINAR**

**   ****All attendees should bring...**
-  Pocket Calculator
-  TSP Statement
-  Social Security Statement
-  Investment Statements

**** Registration for all classes begins at 8:00 am, Class begins promptly at 8:30 am.  All other times are approximations.***

-  Leave & Earning Statement
-  SF50
-  Pad of Paper and Pencil

## =

** ****PLANNING SEMINAR**

- Presented by the Denver Federal Executive Board

**How to Register...**

**Subject:  Financial & Estate Planning Seminar**** **
***	******             ******(Lunch not included)***
**If there your agency has multiple registrations list them on one sheet with name and class selection, and fill out one registration form and attach it to the list of names and send or fax with payment.**
- REGISTER EARLY:  Registrations will be accepted in the order received--when full, reservations will be put on a waiting list.  Registration deadline: Feb 16, 2004
- NO REFUNDS WILL BE GIVEN UNLESS CANCELLATION IS RECEIVED AND CONFIRMED BY FEBRUARY 16, 2004!
- NAME: _______________________________________________
- AGENCY: _____________________________________________
- PHONE:  _________________    FAX: ______________________
- EMAIL: ______________________________________________
*Payment maybe made by  cash, check or credit card*.
*(Returned checks will be assessed a $30 fee)*
- CASH         CHECK NUMBER: _____________             CREDIT CARD
- CREDIT CARD NUMBER: _________________________________
- EXPIRATION DATE:  ________        VISA  	           MASTERCARD
- VERIFICATION NUMBER: _______________________________
- NAME ON CREDIT CARD: _________________________________
- BILLING ADDRESS: _____________________________________
- CITY: ______________________   ZIP CODE: ________________
- PHONE: ______________________  FAX: ___________________
- SIGNATURE: __________________________________________
- Mail, FAX, or Email your reservations to the DFEB Office
- DFEB, Attn:  CJ Beasley
- 6760 E. Irvington Place
- Denver, CO  80279-8000
- Phone:  303-676-7009	FAX: 303-676-6666
- Email:  cj.beasley@dfas.mil

***Make your plans to attend NOW!  ***

- Attend the Financial Planing Seminar...
- Ft. Collins, CO, **February 20, 2004**

- Money doesn’t grow on trees...

- But it does grow when you plan,
- save and invest

**=**

- (Last 3 digits on back of card by signature)

## Class Agenda

**Do You Want to $$$ for Retirement, Vacation, College Education or Just to Save...**

_**Fort Collins, CO   February 20, 2004**_
- What: 	**Financial Planning**
- When:	Friday, February 20, 2004
- Where:	Lincoln Center
- 	417 West Magnolia Street
- Cost:	$99 per person (Registered before 2/12/04)
- 	$125 per person (Registered on or after 2/12/04)
**            ****Registration Deadline is February 16, 2004**

- 8:00 AM	Registration Begins
- 8:30 am	Financial Planning/Risk Management Issues
- 	  Medical
- 	    Disability
- 	    Long Term Care
- 	    Property & Casualty
- 	    Emergency Fund
- 	    Life Insurance
- 	      (Calculating how much you’ll need in retirement)
- 10:00 am	Break	10:15 am           Estate Planning
- 	  Costs of Silence
- 	  Wills
- 	  Trusts
- 	  Living Wills
- 	  Estate Taxes
- Noon	Lunch	1:00 pm	Your Retirement Budget
- 	  What you want
- 	  What you have
- 	  Is there a gap? (projection calculations)
- 2:30 pm	Break	2:45 pm	Solutions for your “Gap”
- 	  Psychology of money
- 	  Save more
- 	  Change your “want”
- 	  Lower debt
- 	  Work longer (self-employment?)
- 	  Tax Savings (Roth, Trad. IRA, Etc.)
- 	  Increase investment risk and be comfortable
- 	Putting your own financial plan together
- 	  To do list and prioritize
- 4:00 pm	End of Class

**Class Agenda**

**ABOUT THE SPEAKER...**

- Judy Snow privately owns Snow Cap Agency, Inc., she has over 20 years industry experience and 25 years as a public speaker.  Ms. Snow is a financial and estate planner who specializes in working with federal employees. She and her associates provide retirement and financial planning seminars to federal employees on all government benefits all over the United States.

**FINANCIAL & ESTATE PLANNING**

**   ****All attendees should bring...**
-  Pocket Calculator
-  TSP Statement
-  Social Security Statement
-  Investment Statements

**** Registration for class begins at 8:00 am, Class begins promptly at 8:30 am.  All other times are approximations.***

-  Leave & Earning Statement
-  PertinentFinancial Documents
-  Pad of Paper and Pencil