Information for Federal Internal Agency Training

 

What We Offer

Approaching retirement is an unknown phase of life. Many wonder if they are ready, and if their understanding of their income is accurate and if they may be missing something. How to coordinate the various sources of income, and what the best decisions are, can be overwhelming, if you’re not well informed. Federal employees have a robust benefits package, but these benefits must be properly understood when implementing. The FERS retirement system is effective when utilized to its full potential, and this course will assist in the knowledge needed at this critical time approaching retirement.

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Pre-Retirement training for federal employees

The Pre-Retirement training for federal employees will clarify many complex topics in an easy to understand and enjoyable atmosphere. This one-day course will assist employees in understanding not only when they are eligible to retire, but how much their FERS pension may be worth, and if this is enough. This education will help ensure all are aware of additional sources of service time including purchasing military time and redeposits. Both Social Security planning and survivor benefit elections are subjects considered in an interactive setting. What to expect for the FEHB health insurance when retired, FEGLI group life insurance, having the FLTCIP long term care discussion, and Flex Spending Account FSA are all topics explained thoroughly.

TSP and the tax implications, and the various funds and their uses, withdrawal elections, eliminating lingering debt and securing monthly income gross versus net will be topics all effectively covered. Possibly the greatest memory aids are the real-life stories from those that have approached and went into retirement, and some of the mistakes they were prevented from making, due to their education in this course. Questions are not only welcomed but encouraged and used as excellent teaching aids in fully understanding the benefits in each segment. Attendees have access to the instructor’s calendar post attending for any specific questions they have based on their own family’s circumstances. The interactive and welcoming nature of the instruction will surpass expectations consistently.

Feedback:

  • “Thank you so much for providing the information and for always doing an AWESOME job! I really appreciate your outstanding customer service and interpersonal skills; not to mention your super quick responsiveness to our employee’s needs and inquiries.”
    – USMC Training Coordinator
  • “This is an outstanding course. Instructor & Class Administrator was amazing. Will be taking this class again! It is good to see you guys are looking out for us. Also, I genuinely feel like you guys care.”
    – Dale J. – Dept of Navy
  • “This was a very informative brief, the questions as Charles stated were good and the answers were even better. Thanks a million.”
    – Mike B. – Dept of Navy

FERS Seminar Packet

Packet

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FERS Seminar Half-Day Packet

Packet-Half-Day

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CHARLES DZAMAFounder and Financial Advisor

Charles Dzama is focused on helping clients work toward their retirement dreams through a well-thought-out financial strategy for retirement. He got his start in the industry in 2009. Two years later, Charles opened his own independent financial services firm that operates under the fiduciary standard to serve the best interests of his clients.

“My grandparents were educated yet working-class immigrants who felt a strong moral and ethical need to be kind to others,” Charles said. “They had a sense of community and doing the right thing always. This was passed on to my parents — both the first college graduates in their families — who raised us with these same values and principles.”

Charles has passed the Series 65 securities exam and holds life insurance licenses in California, Colorado, Washington, Florida, Pennsylvania and Missouri. He is registered as an Investment Adviser Representative.

Charles and his wife live in Laguna Niguel with their three children. In his free time, Charles enjoys stand-up paddle boarding with his family, exploring the world’s nature and national parks, mentoring his kids, and doing Bible research and education.

About Charles

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