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Federal Employees

Federal benefits are often confusing and complex. We show federal employees how proactive benefit decisions can positively affect their retirement and overall financial situation.

 

Federal employees are severely underserved when it comes to their financial planning. Fewer than 50% have calculated how much they need to save for a comfortable retirement, and less than 25% have ever worked with a financial professional.

Common concerns we address with Feds:

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Through extensive training, our firm is well-versed in the particulars of these various federal benefit programs. Our guidance helps federal families make the most of these benefits—both while working and in retirement. Our goal is to always provide credible, top-notch financial planning services to our clients.

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Analyze 8 federal benefit categories so you

can get a simplified view of what to focus on.

VISIT OUR YOUTUBE CHANNEL

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We are dedicated to educating federal employees on how to maximize value from your complex and often underutilized benefits. These videos go beyond talking about your benefits and provide practical suggestions on how to apply them in your everyday life. They simplify overwhelming topics by combining unbiased analysis of your amazing benefits with proven financial planning tactics.

Receiving the 30 day RIF Notice
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Receiving the 30 day RIF Notice

I would not wish this on anyone but imagine a scenario where you, as a federal employee, are not fully eligible to retire and you received a RIF notice! If you are eligible, as much as it is a tough situation, at least you can receive your pension with no penalties and keep your benefits. For those, who do not, it can be a much tougher option in many ways. In this episode, we • Will discuss how the RIF might impact you if are past MRA or not. • What options do you have for your TSP depending on age. • Offer some specific action items that you can be doing now in case you are faced with this option. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. Chapters: 0:57 WHY IS MRA IMPORTANT IN A RIF? 2:25 PAST MRA AND GETTING A RIF 4:12 RIF BEFORE REACHING MRA 5:10 IMPACT TO TSP 7:02 FEHB OPTIONS 8:18 ACTION ITEMS Referenced Links: DRP Video: https://www.youtube.com/watch?v=voMxUBDixu4 FERS MRA Chart: https://plan-your-federal-retirement.com/fers-mra/ Severance Calculator: https://valorwealthpartners.app.box.com/file/1782243517500?s=0l4qv6tpg20arxzyyxhptrj2mufjsnnq Postponed vs. Deferred Retirement: https://www.fedsmith.com/2025/03/18/postponed-and-deferred-retirement-are-not-the-same/ SEPP Calculator: https://www.calcxml.com/calculators/72t?skn= - results Federal employees and their spouses are invited to complimentary educational workshops covering their federal benefits. For details, visit: https://fedimpact.com/VWP Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ Would you like to know more? https://www.valorwealthpartners.com/ https://www.linkedin.com/company/valor-wealth-partners https://www.facebook.com/ValorWealthPartners
The Deferred Resignation Program 2 0
18:26

The Deferred Resignation Program 2 0

The Deferred Resignation Program for federal employees is back with a version 2.0. Seven Agencies relaunched this program to give federal employees a voluntary choice before RIFs are mandatory. This is more complicated because Agencies are involved instead of OPM. In this episode we… • Discuss the legality and the likelihood of keeping promises of the offers. • Share our insights on the various Deferred Resignation Agreements we have seen. • Offer Action Items to help you prepare. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. 0:44 Introduction 3:42 Legality and Likelihood of Keeping Promises 9:17 The Big Picture 14:39 Immediate Action Items Referenced Links Ask Me Anything: The State of the Federal Workforce and Market Volatility Webinar on April 10th: https://us02web.zoom.us/webinar/register/6317425747775/WN_1ZMlAPBEQQWSMxDnX3L9KA Sign up for our newsletter to stay in touch: https://lp.constantcontactpages.com/su/xgAKqXR/Keepintouch OPM Memo on: Guidance on Agency RIF and Reorganization Plans Requested by Implementing The President’s “Department of Government Efficiency” Workforce Optimization Initiative: https://valorwealthpartners.box.com/s/efymc9lzd3i1u9ulh5bqq4di5u7n9i4t OPM’s Workforce Reshaping Operations Handbook. https://www.opm.gov/policy-data-oversight/workforce-restructuring/reductions-in-force-rif/workforce_reshaping.pdf Federal employees and their spouses are invited to complimentary educational workshops covering their federal benefits. For details, visit: https://fedimpact.com/VWP Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ Would you like to know more? https://www.valorwealthpartners.com/ https://www.linkedin.com/in/smithec/ https://www.linkedin.com/company/valor-wealth-partners https://www.facebook.com/ValorWealthPartners
TSP Considerations - “THE PLAN” from DOGE
07:48

TSP Considerations - “THE PLAN” from DOGE

For most federal employees, your Thrift Savings Plan, or your TSP, is the largest bucket of money that you might have saved for your retirement. In some unique situations this might be your only source of reserves and income, and we will discuss how to think about this situation. Given the turmoil over the past few weeks over ongoing employment with the Federal government, we wanted to share a few thoughts about how to approach your TSP and what concerns need to be kept front and center. In this episode, we • Share our insights on how to think about your TSP allocation across funds. • Discuss how age and eligibility dictate access to your savings. • Offer some solutions on how to create safety in reserves. • Provide action items. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. Chapters: 1:00 INTRODUCTION 1:12 IS THE TSP ACCESSIBLE TO YOU? 3:42 TSP ALLOCATION 4:56 RESERVES 6:50 ACTION TEMS Federal employees and their spouses are invited to complimentary educational workshops covering their federal benefits. For details, visit: https://fedimpact.com/VWP Referenced Links Ask Me Anything: DOGE & The Federal Workforce Webinar on March 13th: https://us02web.zoom.us/webinar/register/6617410255158/WN_jRtcK8F9T3uIi82QdNH9Ug Sign up for our newsletter to stay in touch: https://lp.constantcontactpages.com/su/xgAKqXR/Keepintouch TSP Loans: https://www.tsp.gov/tsp-loans/ Tax rules on TSP payments: https://www.tsp.gov/publications/tspbk26.pdf Taking money from your TSP account: https://www.tsp.gov/taking-money-from-your-account/ OPM Website – Reductions in Force: https://www.opm.gov/policy-data-oversight/workforce-restructuring/reductions-in-force Federal Benefit Resources: https://www.opm.gov/ https://www.tsp.gov/ Would you like to know more? https://www.valorwealthpartners.com/ https://www.linkedin.com/in/smithec/ https://www.linkedin.com/company/valor-wealth-partners https://www.facebook.com/ValorWealthPartners

We are proud to partner with ProFeds to serve you better

Because of the complexities of federal benefits, we work with the team at ProFeds to keep us up-to-date on your changing benefits. ProFeds is a nationwide support structure for financial professionals serving federal employees. The ProFeds team provides tailored training to financial professionals on the unique complexities of federal benefits to help them provide credible, educational financial planning services to their federal clients. ProFeds is proud to be a federal contractor and make this workshop available free‐of‐charge to federal agencies exclusively through financial professionals in the nationwide ProFeds network.

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ProFeds has developed unique workshops helping federal employees apply what they are learning in the classroom to their own situation. Instead of teaching at a very technical level regarding the benefit rules, they aim to educate employees to know the financial impact of retirement and benefit decisions, and to make those decisions carefully based on sound information.

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During the Workshop

While federal benefits are often confusing and difficult to interpret, ProFeds is able to break down complex concepts into easy‐to‐understand language to show employees how proactive benefit decisions can positively affect their overall financial situation.

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Following the Workshop

Valor Wealth Partners offers each employee an opportunity to meet, to review their specific situation and develop a personalized Federal Benefits Analysis together. This analysis helps to demonstrate the value of their benefits and identify key decisions to be made as they move closer to retirement. This benefits review is offered at no cost and no-obligation to the agency or employee.

Valuable Resources from ProFeds

More Resources for Federal Employees

Beneficiary Forms

Calculaators

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