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Have You Designated Beneficiaries for Your FRS DROP plan in writing?

Have You Designated Beneficiaries for Your FRS DROP plan in writing?

What happens if you die while you are still in the DROP ?   Who are the Beneficiaries for your Lump Sum Money ?   There are specific FRS DROP Beneficiary Forms that need to be completed, in writing, and then filed with FRS.   Have you done this ?   Have you confirmed...
Get Your Complimentary “Social Security Benefits Planner”

Get Your Complimentary “Social Security Benefits Planner”

You may need to pay Income Taxes on a portion of your Social Security benefits, based on your Income. But knowing the Rules can help you minimize your Income Taxes as much as The Law allows. Don’t needlessly over-pay your Income Taxes ! Whether or not your Social...
How to plan for rising Health Care costs in Retirement

How to plan for rising Health Care costs in Retirement

Estimated cost for Health Care after age 65 ? Try $285,000 per couple in Assets needed in 2020.   It is estimated that the average couple will need $285,000 in today’s dollars for Medical Expenses in Retirement. That $ 285,000 does not even include Long Term...
Do You Understand Your FRS Health Insurance Subsidy?

Do You Understand Your FRS Health Insurance Subsidy?

The Health Insurance Subsidy (HIS) is a monthly supplemental payment that helps to offset the cost of the member’s health insurance premiums. Eligible retirees or beneficiaries will receive a monthly HIS benefit equal to $5 per month for each year of FRS Pension Plan...
How to Find and Claim Your Old Retirement Accounts

How to Find and Claim Your Old Retirement Accounts

Whether you quit on your own accord, are fired, or laid off, leaving a job can be hectic. In the midst of the transition, dealing with a retirement account might get pushed pretty low on your To-Do list. While the money you contributed is yours forever, accounts can...
What to expect in Your Retirement

What to expect in Your Retirement

What does Retirement look like in Our Lifetime ? • Living Longer According to Stanford University … This generation of Retirees needs to plan for possibly living 30 Years in Retirement. That’s Us. THIRTY Years in Retirement ? ! I am age 61. I guess that makes me...