If you are a new employee, you have eight months from your hire date to decide which plan you want to participate in. If you’ve been an employee for a while, you are already part of one of these retirement options.

Each FRS component has its own nuances and rules, so it’s helpful to know the basics of what they involve. Here is a quick rundown of the Florida Retirement System and the various benefits that it provides.

FRS Pension Plan Basics

There is a vesting period requirement. If you joined the pension plan before July 1, 2011, it takes six years of creditable service to be vested. If you joined on or after July 1, 2011, then vesting takes eight years of creditable service. Your eligibility for monthly payments depends on whether or not you are vested when you retire, and if you are within 20 years of your expected retirement age.

After you retire, you might also receive a cost of living adjustment (COLA) to help account for inflation. Whether or not you will receive a COLA depends on your FRS enrollment date. If you joined on or after July 1, 2011, you won’t receive a COLA.

Certain FRS Pension Plan members may be eligible for special programs, such as the Deferred Retirement Option Program (DROP). Ask us if you have any questions about this.

Don’t Understand Your Pension Benefit?

If you have questions about which Florida Retirement System benefits you are entitled to, you can give us a call at 877.476.9723. We will ask you some questions and go over a personalized retirement benefits walkthrough with you.

Some public employers that are covered by FRS have their own benefits nuances or “gotchas” that you might not know about. We will help you understand those unique situations and see how your benefits fit into your financial future.

This retirement review will enable you to see where you are with your benefits, their future values, how much income you might receive in retirement, and how much more money you might need. All at no cost or obligation to you.

Key Facts About the FRS Investment Plan

The FRS Investment Plan is a defined-contribution plan. It’s similar to a 401(k) plan in many ways. Your retirement income will depend on how much you contribute to the plan over time, how much your money grows, and how well those funds are managed.

You make contributions to your retirement plan over time, alongside contributions from your employer. Every paycheck, roughly 3% of your gross salary gets deducted and put into the FRS Investment Plan. The amount of the state’s contribution depends on your membership class (job position).

What to Know About FRS Investment Plan Options and More

Since the FRS Investment Plan is a tax-deferred plan, contributions aren’t taxed, but your withdrawals (or when you take out money) will be. When you participate in the plan, you get to decide how your money is invested, and there are 19 investment funds for you to choose from. You are responsible for the investment decisions with the investment plan.

Once you have completed one year of service with the State of Florida, you will be able to take your vested contributions out of the plan if you need to leave the state. You also have the option of leaving it in the FRS investment plan.

Should you need to request a distribution, you can keep the tax-advantaged status of your funds intact by transferring your money over to an IRA or a different employer’s retirement plan. You may withdraw your contributions as cash, just know that you will be taxed on the withdrawal unless you roll it over into another tax-advantaged account.

Once you elect to take a distribution (no matter the method), you will be treated as if you were retired. That applies no matter how old you actually are.

Will Your Florida Retirement System Benefits Provide Enough Income?

According to the Florida Department of Management Services, most FRS covered employees’ retirement income will only be about 78% of what their working income was. This includes both Social Security and their employer-sponsored retirement plan.

That can create a retirement income gap that it’s prudent to address before you retire, especially given the likelihood of inflation over your retirement years. There are plenty of options to consider.

You can call us at 877.476.9723 for a free retirement benefits overview. This is a personalized walkthrough that usually takes an hour. We can cover all of your retirement benefits, including pension and survivor benefits, and give you specific numbers to help you craft your retirement plan.

Key Retirement Considerations

There are some important things to consider when you are developing your retirement plan. Thinking about them carefully may help with preparing effectively for your financial future. These questions can be a starting point:

• How do you picture your life during retirement?
• Will you finally retire and be done with the daily grind for good?
• Will you start a new career, volunteer, or maybe become an entrepreneur? What financial resources will you need?
• How much will it cost to live the life you want?
• If your ideal retirement involves the occasional cruise or vacation, will you have enough money coming in?
• How much are your current investments generating for retirement?
• How much of your retirement income is guaranteed?
• Can you count on your money to be there when you will need it?
• Will you have enough for the lifestyle you hope to enjoy?

It’s important to factor in less-frequent spending, such as getaways in retirement, so you actually get to do the things you want. If you don’t plan for your vacations, you might not be able to take them. Also, factor in irregular housing expenses like hot water heaters, or roofing.

In retirement planning, many things are uncertain. Market volatility, future tax burden, and inflation are just a few major hurdles in any retirement plan. While you may have some control over your investment choices in your employer-sponsored plan, it doesn’t guarantee that they will produce a high return. You may wish to discover ways to offset risks like market volatility and inflation and include them in your retirement plan.

Request Your Florida Retirement System Benefits Review

If you know some, but not all of these answers right now, that is okay. We can go over your specific retirement benefits with you so that you have your exact numbers.

We will help you create a retirement plan based on your Florida Retirement System benefits, Social Security, and guaranteed income options so that you have a comfortable, fulfilling retirement.

Get started today with a personal retirement benefits review. Contact us today, and we will go over different options for your retirement planning goals as well as personal financial picture. We look forward to answering your FRS questions and being of service to you.

The post Florida Retirement System Overview first appeared on SafeMoney.com.

The post Florida Retirement System Overview appeared first on SafeMoney.com.

You need someone who understands everything from income planning to asset protection and taxes. It’s also an advantage if you can work with someone local in the Tarpon Springs area.

At SafeMoney.com, we work with independent financial professionals throughout the United States. The communities we serve include Tarpon Springs, Land O’ Lakes, Odessa, Wesley Chapel, Tampa, Plant City, Clearwater, St. Petersburg, Brandon, Riverview, Bradenton, Sarasota, and the surrounding areas.

If you’d like to talk to someone about how to protect your finances and create stable, dependable income streams during retirement, give us a call. You can reach us at 877.476.9723 or request a personal appointment directly on this page. Our team will connect you with a local retirement planning expert in Tarpon. During that time, you can also receive a free, personalized retirement report.

This no-obligation consultation and report will supercharge your retirement planning. See how you can have more peace of mind from knowing your income is secure during your retirement years.

Your report will include a selection of strategies to generate contractually guaranteed income for life. The strategies selected for your report depend on your retirement goals and are chosen from 2,400+ available marketplace options.

Your SafeMoney.com retirement strategist will be happy to answer any questions you have about your financial picture or your complimentary report.

Ask the Right Questions About Retirement Planning

When you work with an experienced financial professional, you have someone you can rely on to answer your questions. They can help you decide on the next steps. When you let your retirement planning expert do the heavy lifting for you, the rest becomes much easier and less frustrating.

Years ago, creating a retirement plan might only have involved ensuring income for a decade or two. Now, thanks to advances in technology and healthcare, seniors are living longer and more vibrant lives than ever before. That is undeniably a wonderful thing, but it does mean that it’s prudent to plan on spending about as much as one-third of your life potentially in retirement.

There are other questions you will need to consider, too. Thinking about these may help you clarify your short-term and long-term goals:

• Do you want to travel when you retire?
• What will you do when you retire? Will you pick up a second job, start a company, or volunteer?
• Where do you plan to live?
• Are your assets protected? Are they generating income?
• Are there any changes you could make right now to meet your retirement goals sooner?
• What will your health insurance look like when you retire?
• Do you have a legacy plan in place in case something happens?
• How will you generate income during retirement? Will you have enough?

Effective retirement planning involves everything from protecting your money to navigating taxes and creating guaranteed lifetime income. If you want to be certain you have everything nailed down, talk to your retirement financial professional about each of these situations.

How to Select the Right Retirement Planning Service in Tarpon Springs

There are many financial professionals available locally, but not all of them specialize in retirement. Before you agree to work with someone, be certain their main priority is retirement planning.

A lot of financial professionals focus more on the acquisition phase; working, investing, and gathering assets. What you need right now is someone who specializes in the distribution phase: what to do with the assets you have gathered and how to turn them into protected, ongoing retirement income streams.

You should also discover whether or not your retirement planner is an independent financial professional or a captive one. Captive professionals are employees of a larger financial corporation, and they are responsible for selling that corporation’s products.

In fact, they typically can offer you only that company’s products. If you work with a captive financial professional, it’s harder to tell if something was actually right for you, or if you just helped them fill a sales quota.

In contrast, an independent financial professional has more business freedom to offer solutions that are tailored to you, not for a large corporation. They can present the top options on the market for your personal needs and circumstances, no matter which company is offering them. This allows you to compare at your leisure and ensure you really are making the right choices.

Interviewing Different Retirement Planning Firms

You will also want to be certain that the person you choose to work with is willing to answer all your questions. They should also provide you with any requested financial education. The best way to do that is to go to your initial meeting with a list of questions.

You can start with these, but you will want to add a few more that apply to your specific goals and retirement needs.

Ask them these questions:

• How many years have you served as a retirement planning expert?
• Are your other clients happy? Do you have any testimonials?
• Do you mostly focus on the distribution phase or the accumulation phase?
• Are you an independent or captive professional?
• Are you active in the local Tarpon community? How so?
• Do you have any publications or educational materials I could review?

If your retirement planner is willing to patiently and thoroughly answer these questions, you can be confident you are working with someone who cares about your success.

At SafeMoney.com we partner with select, independent retirement planning professionals. Our local experts proudly provide services to the communities of Tarpon Springs, Land O’ Lakes, Odessa, Wesley Chapel, Tampa, Plant City, Clearwater, St. Petersburg, Brandon, Riverview, Bradenton, Sarasota, and the surrounding areas.

Call us at 877.476.9723. We will connect you with someone who is ready to answer your questions and create a personalized retirement report highlighting your retirement income options. Your report and meeting are free, with no obligation.

You can use them to gain greater clarity on your options while talking to an expert who understands your unique situation.

What Will Your Personalized Retirement Report Include?

• The specific dollar amount of your yearly retirement income
• Your lifetime income amount
• Fee Disclosures (if there are any to be assessed)
• Side by side comparisons of your top-selected strategies

We will provide you with a complete copy of your report and your retirement expert will be on hand to answer your questions and go over your options with you.

SafeMoney.com has helped tens of thousands of households nationwide achieve financial security and retirement success. For more than ten years we’ve been featured in the media, from MSNBC to Fox News and US News. Customer service is our top priority and we are invested in helping you create the retirement of your dreams.

Call us now at 877.476.9723 and let us show you how our team of experts can make retirement something you look forward to, rather than something you worry about. 

The post Retirement Planning – Tarpon Springs, FL first appeared on SafeMoney.com.

The post Retirement Planning – Tarpon Springs, FL appeared first on SafeMoney.com.

You will want to create a strategy lasting several decades. When someone hasn’t yet retired, many financial professionals recommend a game plan for at least three decades. Your plan will need to account for things like inflation and market volatility, as well as healthcare and legacy planning.

Our team at SafeMoney.com has served people from all walks of life as well as financial professionals since 2006. We have worked with more than ten thousand households nationwide and, with their financial professionals, helped them build personalized retirement income strategies.

When you are ready to begin planning for retirement, talk to one of our independent financial professionals. We serve the communities of Hollywood, Ft. Lauderdale, Pembroke Pines, Miami, Boca Raton, Pompano Beach, Plantation, and the surrounding areas.

You can request a no-obligation goal-setting appointment by calling us at 877.476.9723. During this time, you can also receive a complimentary, customized retirement report just for you.

Your report will feature a comparison of top-rated guaranteed income options that most closely match your goals and needs. It will serve as an initial retirement roadmap for you. We will be on hand to answer any questions you have.

Key Retirement Planning Questions

• What do you want your lifestyle to be like when you retire?
• How much will it cost to maintain your desired lifestyle during retirement?
• Where will your retirement income come from? Is it guaranteed?
• Is it enough retirement income?
• Is there anything extra you could be doing right now to prepare for your retirement?
• What kind of health insurance will you have when you retire (Medicare or other coverage, if you plan to keep working)?
• Will it be enough, or will you have to supplement it?
• What will you leave behind for your family in the event that something unexpected happens?
• Do you plan to start a second career, start your own business, or volunteer during retirement?

When you answer these questions, it will help you direct your financial professional and select strategies that help you get where you want to go. Your retirement strategist can help you figure out crucial details, from your target retirement date to the amount of additional income you will need each year to secure your lifestyle.

How to Find a Right Fit for Your Retirement Planning Situation

Your retirement success depends on finding someone qualified to help you. While there are many financial professionals out there, you don’t want to trust just anyone with your future or your savings.

Look for a retirement planning professional who has been in business for some time. You don’t want someone who might make costly mistakes with your hard-earned assets. Consider someone who has the experience to help you achieve your goals and who can answer even your toughest questions.

You will also want to ask them whether they are an independent, or a captive professional. Captive professionals work for a single parent company with a small line of dedicated products. They often have sales quotas to meet for those products, which means they are usually limited to just that product shelf.

Independent financial professionals are the opposite. They aren’t controlled by or beholden to a single financial company, and they can offer you a wide variety of options to help you meet your goals.

You will have a better chance of finding retirement strategies that suit your situation when you work with someone who has the business freedom to ‘shop around’ on your behalf. This is quite the advantage over just one company’s offerings.

All of our SafeMoney.com financial professionals are independent. The retirement report they create for you will include strategies selected from more than 2,400 marketplace options.

There is no obligation to choose one of them. It’s a free, comprehensive evaluation of what your best options are.

Our experts provide this to people living in the local communities of Hollywood, Ft. Lauderdale, Pembroke Pines, Miami, Boca Raton, Pompano Beach, Plantation, and the surrounding areas.

What Will Your Personalized Retirement Report Include?

• Your target retirement date
• Your lifetime income
• How much income per year you will receive
• Disclosures of fees (if there are any)
• Easy to understand comparisons of different options

You have worked hard your whole life so that you can finally retire and enjoy the fruits of your labors. You need strong strategies backed by contractual guarantees. It’s time to lock in the future you have always wanted.

You can call us or request help on this page. We will connect you to one of our expert local retirement planning strategists with experience helping clients achieve their goals.

SafeMoney.com has been featured in multiple major news outlets including Fox Business, CNBC, US News Money, CNN, and more, which has in turn been featured in 84+ million households in the U.S.

We look forward to showing you what an experienced team dedicated to excellence can do for you! Call us today at 877.476.9723 or request your personalized report at no charge.

The post Retirement Planner – Hollywood, FL first appeared on SafeMoney.com.

The post Retirement Planner – Hollywood, FL appeared first on SafeMoney.com.

Some retirement goals can be nearly impossible to achieve without expert help. You need someone on your side who can help you secure guaranteed income during retirement, who knows the tax laws, and who can help you factor in things like market volatility and inflation.

Our SafeMoney.com independent retirement planning professionals are experts in establishing long-term financial strategies backed by sturdy guarantees. Our local experts serve the communities of Pembroke Pines, Miami, Hollywood, Ft. Lauderdale, Boca Raton, Pompano Beach, Plantation, and the surrounding areas.

Call us at 877.476.9723, and one of our local retirement strategists will answer your questions and explain your retirement income options. We will help you put in place a plan aiming at financial stability and predictable money, including strategies for guaranteed income, asset protection, growth, healthcare expenses, and your legacy wishes. You can see different options in a no-cost customized retirement report, which can help you quickly navigate different choices at your disposal.

Questions to Ask Your Retirement Planning Financial Professional

Here is a shortlist of questions you can ask a prospective financial professional about different aspects of retirement planning:

• How many years of experience do you have?
• How many customers have you served?
• Do you understand how to create lifetime income streams that are guaranteed?
• Do you have any educational materials available?
• Are you an authority in your field? Are you the author of any publications?
• What is your specialty? Look for someone who specializes in retirement finances to tackle this part of your financial planning, rather than a generalist.

Independent vs. Captive Financial Guidance

It’s also prudent to consider working with an independent financial professional rather than a captive one. Independent professionals work for themselves, instead of a single company.

Because of this, they don’t have to meet quotas or use pushy sales tactics. They are able to select the best possible options from those available in the marketplace and help you discover which ones best fit your needs.

Captive financial professionals, on the other hand, work for a single company. They usually have minimum quotas they have to meet, and they can only present you with the options and strategies that their company offers.

At SafeMoney.com we connect you with experienced, independent local financial professionals. Our local retirement planning professionals serve the communities of Pembroke Pines, Miami, Hollywood, Ft. Lauderdale, Boca Raton, Pompano Beach, Plantation, and the surrounding areas.

When you schedule your free appointment, our retirement planners will design a retirement planning report specifically to meet your financial goals.

What Does Your Free Personalized Retirement Report Include?

Additionally, your retirement report will include:

• Your yearly income in retirement
• Lifetime income projections
• Complete disclosure of fees (if there are any)
• An easy-to-understand comparison of the top options which best match your needs.

At SafeMoney.com we have assisted tens of thousands of households across the United States with developing guaranteed income streams and successful retirement strategies. Our work has been highlighted in major media outlets including U.S. News & Money, CNN, CNBC, MSNBC, Fox Business, and more.

Give us a call now at 877.476.9723 and a retirement planning specialist in Pembroke Pines will discuss your retirement goals and create your free personalized retirement report. We look forward to serving you however we can!

The post Retirement Planning – Pembroke Pines, FL first appeared on SafeMoney.com.

The post Retirement Planning – Pembroke Pines, FL appeared first on SafeMoney.com.

Our experts at SafeMoney.com have successfully helped 10,000+ households all over the United States plan for their retirement. Our customers often come from a diverse range of professions and income levels. Some contact us a few years before they plan to retire, others are already in retirement and want to make changes to their existing plans.

Regardless of where you are in life, we’ve got you covered. Our trusted, independent financial professionals are equipped to offer you cutting-edge strategies to maximize and protect your retirement income throughout your life. We serve Key West, Stock Island, Big Coppitt, Saddlebunch, Sugarloaf Key, Upper Sugarloaf Key, Cudjoe, Summerland Key, Big Torch, Little Torch, Middle Torch, Marathon, Big Pine, Islamorada, and the surrounding areas.

You can talk to one of our local SafeMoney.com experts for free, and with no obligation. Give us a call at 877.476.9723 and request your initial retirement goal-setting appointment. We will prepare a custom-tailored retirement report for you.

Your report will include top-rated, guaranteed lifetime income strategies chosen specifically to meet your retirement goals. Our experts use software that reviews 2,400+ marketplace options and presents the ones that are good fits for your retirement needs.

You will receive a free copy of your report, and your Key West retirement planning strategist will answer any questions you may have about your results.

Retirement Planning – Key Considerations

This has presented unique challenges to retirement planning. When you create your retirement plan, make sure it encompasses at least thirty or forty years’ worth of guaranteed monthly income.

You will also want to spend some time thinking about the kind of lifestyle you want to have when you retire. Here are some things you can consider which will help you plan:

• What do your finances look like right now?
• Are you already saving for retirement? If so, are your investments offering you the best return available?
• What will your monthly budget look like in retirement? Do you need more money monthly in order to live the lifestyle you are hoping for?
• Do you wish to travel during retirement? If so, make sure you plan those expenses into your budget.
• Where would you like to live when you retire? Ask your retirement planner about the possible tax advantages of living overseas if this is something you will consider.
• Are you going to have a regular monthly income when you retire? A pension? Will you start a new career, or volunteer somewhere?
• Will you have to pay more, or less, for healthcare and insurance after retiring?
• Will you need to purchase additional insurance like a Medicare supplement? (Many things, like hearing aids, are not typically covered unless you pay for a supplement)
• What are some changes you could make to your monthly budget right now to better prepare for retirement?
• Do you have a legacy plan in place already? If something unexpected happened, would your family be taken care of?

It’s really important to carve out the time to answer these questions, both by yourself / with your partner and with your financial professional. Be sure that you are covering the five critical financial areas: Retirement, Investments, Protection, Taxes, and Estate Planning.

When you consult with a local SafeMoney.com retirement strategist in Key West, they will answer any questions you have about how to financially secure your retirement and your legacy. Give us a call at 877.476.9723 to request your personalized retirement report and get connected with a qualified local retirement expert.

How to Choose an Experienced Retirement Planning Service

Choosing the right, local retirement planning expert can make a difference for your financial future. While there are many retirement planners available, they aren’t all equally qualified or experienced.

The financial professional that you select should be knowledgeable in each of these critical areas: creating stable monthly income which lasts for decades, understanding all necessary tax implications, long-term care/health care planning, and legacy planning.

You will also want to ask them things like:

• How many years have you been in business?
• How many customers have you successfully helped plan for their retirement?
• Are you an independent financial professional, or a captive financial professional? (Independent professionals can offer you products from multiple companies, while captive professionals work for a single company and only offer that company’s products)
• What is your main area of education/expertise? Finances in general, or retirement specifically?
• Do you have any educational information available to help me understand my options?

Our trusted financial professionals are qualified to answer your questions and will create a personalized retirement report to address your individual concerns. Your free report will feature ways to maximize and guarantee your retirement income for decades.

What Will Your Customized Retirement Report Include?

Our retirement planners will create a report for you which will include:

• Your projected yearly retirement income
• Your projected lifetime income
• Any applicable fee disclosures
• An apples-to-apples comparison of your best options.

When you are ready, let us show you how a team of highly-qualified, caring experts can help you craft the retirement of your dreams. You can get your free initial appointment and retirement report by calling us at 877.476.9723. We look forward to meeting you!

The post Retirement Planning – Key West, FL first appeared on SafeMoney.com.

The post Retirement Planning – Key West, FL appeared first on SafeMoney.com.

Federal employees can take advantage of some excellent benefits for their financial future – but only if you know how to really make use of them. Reliable education on federal retirement benefits can be hard to find. It’s good to consult with an expert who is trained to help you understand your federal benefits options and how they would apply in your retirement planning.

Look for an independent federal retirement planning consultant in Clearwater who offers free and thorough benefits education. At SafeMoney.com, we work alongside select-partner federal benefits consultants serving all U.S. Government agencies. You can think of them as an additional cover to OPM for assisting you with making sense of all of your federal employee benefits for your financial picture.

We invite you to gain clarity into your benefits – the fruits of your career service as a federal employee – in a complimentary, easy-to-follow federal benefits analysis and walkthrough. Our federal retirement planning experts proudly serve Clearwater, St. Petersburg, Tarpon Springs, Wesley Chapel, Tampa, Plant City, Lakeland, Winter Haven, Brandon, Riverview, Bradenton, Sarasota, and the surrounding areas.

During the walkthrough, a federal retirement benefits expert will take a look at all your years of service and go over exactly what you qualify for (and what your numbers now and in the future look like). It usually takes around thirty to sixty minutes.

Many federal employees – even senior financial officers – have told us that they would have paid thousands for the clarity that the walkthrough brought to their situation. You can call us at 877.476.9723 or request a federal benefits analysis meeting via this page to get started.

Federal Employees Must Receive Federal Benefits Education

Unfortunately, we have found that the U.S. Government doesn’t have a coordinated effort in place to actually help the many federal employees understand their available benefits.

Things can become even more complex when you realize that your benefits vary depending on which government retirement system you are a part of. FERS employees have different options than CSRS employees or employees covered by the Blended Retirement System, for example.

Our federal employee retirement advisors understand which benefits are available for each retirement program, as well as how best to utilize them. Whether you participate in CSRS, FERS, or in a unique government employment situation, we’ve got you covered. You can request a short free benefits consultation with one of our experts to fully take advantage of everything you qualify for.

Why Work with a Clearwater Federal Retirement Planning Specialist?

The Federal Government definitely offers great benefits, but seemingly almost ‘no’ education for federal employees on how to actually use those benefits. You probably got a halfhearted orientation when you were hired. Or maybe they gave you an 800 number you could call, only to pretty much wait on hold.

If you don’t want to miss out on any of your federal retirement benefits or potentially lose on maximizing your benefits, you are hardly alone. Many U.S. Government employees aren’t receiving the free retirement benefits education to which they are entitled.

When you choose to work with our select-partner federal benefits consultants, you get an objective, independent expert who will help laser-focus on your benefits and retirement goals.

We will cover everything you need to understand your federal retirement benefits, and how you can maximize what is yours for your financial well-being, in under an hour. This includes a detailed and easy-to-walk-through federal benefits analysis. Your report will highlight exactly what benefits you have, and how to take advantage of them.

Stop the Guesses Around Your Federal Retirement Planning

It’s time to stop the guesswork, or worse, clarify details about your benefits that you might have never known before, even if you are a long-time U.S. Government employee. Did you know that what you don’t know could cost as much as tens of thousands, or more, in lost lifetime benefits?

At SafeMoney.com we have helped tens of thousands of people all over the United States plan for their retirement and secure their financial future. Our select-partner federal benefits consultants have worked with federal employees from all walks of life, and those whom they have served have emerged with newfound confidence.

We have even had senior federal employees who contacted us afterward to tell us that this federal benefits education would have been worth thousands of dollars to them. They were able to better chart a path to a successful retirement and maximize the federal benefits they could receive.

What Will Your Federal Benefits Analysis Cover?

Your complimentary federal benefits analysis will be individualized based on which retirement program you participate in, and will be based on your personal situation.

• Detailed federal employee benefits calculations
• Pension calculations (both present and future values)
• TSP account calculations, Social Security benefits, and FEGLI benefits.
• Personalized forecasts of your future monthly income
• Details on life coverage, survivor benefits, and other benefits you will receive at different ages.
• The best time for you to retire. Find out whether you can retire earlier than expected, or if you should work a few more years to maximize your wealth in retirement.

Do you have complicated questions? We can also help with things like military buyback, sick leave, CSRS offset, Roth accounts, and more. Our experts are ready to tackle all of your tough questions about federal retirement benefits.

At SafeMoney.com, our select-partner federal retirement planning consultants are available to serve federal employees in Clearwater, St. Petersburg, Tarpon Springs, Wesley Chapel, Tampa, Plant City, Lakeland, Winter Haven, Brandon, Riverview, Bradenton, Sarasota, and the surrounding areas.

We help federal employees gain this clarity across the country. Contact us today if you would like to request an initial appointment or receive your personalized federal benefits analysis.

The Simple Approach to Federal Retirement Planning

Our team of select federal benefits consultants operates independently, objectively, and with a focus on excellence and caring service. We know that you have given greatly of yourself to uphold our government and way of life, let us help you claim every single retirement benefit you deserve.

Call us at 877.476.9723 to request your personal federal benefits analysis. You can also request a free consultation via this page (just be sure to mention you are looking for federal benefits education when you use the form). We look forward to getting to know you and answering your questions!

The post Federal Retirement Planning – Clearwater, FL first appeared on SafeMoney.com.

The post Federal Retirement Planning – Clearwater, FL appeared first on SafeMoney.com.

If you are looking for federal retirement planning assistance, your best resource can be an independent, federal retirement planning consultant. We work with select independent federal benefits practitioners who are strong experts in federal retirement planning and how benefits programs fit into the picture. They will take the time to go over your options with you and explain your benefits clearly as well as objectively.

Here, our core team has served 10,000+ households across the United States. SafeMoney.com itself has appeared on major media outlets reaching 84+ millions households across the country, including CNN, CNBC, U.S. News Money, and other outlets.

Call us at 877.476.9723 or request an appointment to receive a complimentary federal employee benefits analysis that is tailored to your unique circumstances and career service. We serve St. Petersburg, Clearwater, Tarpon Springs, Wesley Chapel, Tampa, Plant City, Lakeland, Winter Haven, Brandon, Riverview, Bradenton, Sarasota, and the surrounding areas.

Our select federal benefits experts work with all federal agencies. This includes truly every agency from the United States Postal Service to the Department of Defense. We also offer benefits guidance beyond that provided by the Office of Personnel Management, complementing this with an easy-to-understand free consultation.

All Federal Employees Are Entitled to Personal Benefits Education

Did you know that, as a federal employee, you are entitled to receive education about your unique employment benefits? Title 5 of the U.S. Code, OPM guidelines, and additional federal laws state that you are entitled to federal benefits education.

Are you currently taking advantage of the opportunity? Most federal employees aren’t, unfortunately, since there is no centralized educational effort being made by the government at this time.

The specific federal benefits that you have will vary depending on the retirement system that you participate in. There are unique stipulations provided by CSRS, the Blended Retirement System, and FERS.

It can be confusing, and if you aren’t sure which benefits you have based on your specific retirement system, give us a call. Our expert federal employee advisors will take a look at your individual situation and assist you with making the best use of your benefits.

Why Do You Need a Federal Retirement Planning Consultant?

Federal employee benefits might be outstanding, but the education surrounding those benefits is often totally lacking, or difficult to access.

Most federal employees receive benefits education along the lines of a new orientation that only mentioned their benefits in passing. Maybe you got access to an HR phone number, where you had to sit on hold for seemingly hours just to ask a few questions.

When you choose to work with our federal benefits education experts, you get personalized service. We work to eliminate the confusion and frustration involved in understanding as well as maximizing your federal employee benefits.

In as little as half an hour, we will deliver a complimentary benefits analysis report for you. Your benefits analysis will answer your questions and explain all the critical information you must know about your federal benefits, and how they fit into your financial picture.

Gain More Clarity with Your Federal Retirement Planning Questions

It’s time to stop guessing and stop missing out on the benefits you are entitled to. As a federal employee, you have these benefits programs to help you plan for a comfortable financial future.

We have even had federal employees come back to us afterward and tell us that the information we provided would have been worth several thousand dollars to them. Our experts quickly outlined everything they needed to know, without frustration.

You are legally entitled to this financial education. You can request your benefits analysis today. We serve individuals living in St. Petersburg, Clearwater, Tarpon Springs, Wesley Chapel, Tampa, Plant City, Lakeland, Winter Haven, Brandon, Riverview, Bradenton, Sarasota, and the surrounding areas.

What Will My Federal Benefits Analysis Cover?

Your fast, complimentary federal benefits analysis will become your easy roadmap to retirement. It will include:

• Personalized insights and calculations of your individual federal employee benefits.
• An explanation of your pension, FEGLI benefits, TSP account, and Social Security benefits.
• You will also receive future monthly income forecasts, survivor benefits info, life coverage information, and additional benefits that can be claimed at different ages.
• Discover your ideal retirement age. Will you be able to retire early, or should you work longer to min-max your retirement finances?
• Answers to your more complicated questions. Are you wondering about sick leave? Roth accounts? Military buyback? Our experts have answers for you.

Don’t wait. It’s time to get your essential CSRS, FERS, and other retirement questions answered in under an hour.

Take advantage of your benefits education with your complimentary federal benefits analysis and walkthrough – from someone who actually understands your benefits and your unique situation as a Federal Government employee.

Independent Federal Retirement Planning Consultants Who Work for You

Our federal retirement benefits advisors will walk you through a fast analysis so that you can see how everything works. Then, we turn the focus to your individual federal retirement planning questions and make sure you understand how to take full advantage of your benefits.

At SafeMoney.com, we work with expert federal benefits consultants who have strong principles of business integrity. They will go over every option, and take the time to listen to your goals, needs, and concerns.

Planning for Your Federal Retirement and Achieving Financial Peace of Mind

Are you ready to see how a personal benefits could help you maximize your retirement? Come and go through the complimentary benefits guidance offered by our federal benefits consultants serving the St. Petersburg, FL area.

Call us now at 877.476.9723 and request your own personalized federal benefits analysis on this page by completing the form. We are here to answer your questions and look forward to serving you!

The post Federal Retirement Planning – St. Petersburg, FL first appeared on SafeMoney.com.

The post Federal Retirement Planning – St. Petersburg, FL appeared first on SafeMoney.com.