These meetings were scheduled on a regional basis and members were invited to attend. It was an instant success, but in time, there was a realization that ETC had little meaning or importance to members 45 years and younger, or members near retirement. IYF is the initial educational program geared toward members who are under age 45. In 1989, SERS began developing a program to meet retirees' needs. Benefit Seminars and the After Dark Program Benefit Seminars, which began as regional meetings, were replaced with SERS Field Representatives going to the members' work places.
Individualized counseling is available when working conditions prohibit group meetings.
The first workshop is an orientation workshop for members under the age of forty-five. IYF emphasizes using sound money management techniques and SERS and Social Security benefits to manage risk. Rules and strategies of investing are also an important part of the workshop. The Group Insurance Package and Deferred Compensation Program are also highlighted. Estate Planning is introduced with primary emphasis on the need for a will.