July 31, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes David De Jong, Principal, and Sarah Broder, Senior Associate, Stein Sperling Bennett De Jong Driscoll PC.The program will review SECURE 2.0 which changed the landscape of retirement plans upon enactment seven months ago. Among the topics to be discussed are: Multiple changes to “over 50” elective deferrals to employer plans Emergency withdrawals permitted from an employer plan or IRA and new emergency savings plans The change in the required beginning date from age 72 to 73 The slashing of the minimum distribution penalty and the elimination of the penalty for excess contributions to an IRA For questions or comments, email us in advance at ForYourBenefit@nitpinc.comCopyright © 2023 Federal News Network. All rights reserved. This website is not intended for users located within the European Economic Area.

July 31, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes David De Jong, Principal, and Sarah Broder, Senior Associate, Stein Sperling Bennett De Jong Driscoll PC.The program will review SECURE 2.0 which changed the landscape of retirement plans upon enactment seven months ago. Among the topics to be discussed are:<ul> <li>Multiple changes to “over 50” elective deferrals to employer plans</li> <li>Emergency withdrawals permitted from an employer plan or IRA and new emergency savings plans</li> <li>The change in the required beginning date from age 72 to 73</li> <li>The slashing of the minimum distribution penalty and the elimination of the penalty for excess contributions to an IRA</li> </ul>For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>Copyright © 2023 Federal News Network. All rights reserved. This website is not intended for users located within the European Economic Area.

SECURE ACT 2.0

July 24, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Tammy Flanagan, Senior Benefits Director at NITP.It seems that everyone has an opinion when it comes to retirement decisions. Many of these opinions are stated as though they’re facts. Some of the questions from Federal employees about retirement center around relatively straightforward facts in law or policy. Here are some of the most common: Will I get a cost-of-living adjustment on my retirement benefit? What are the requirements to continue my health insurance coverage into retirement? Do I have to begin taking payments from my TSP account when I retire from Federal service? Other questions, though, require opinions because they lack a definitive right or wrong answer. In the retirement world, these often start with “Should I…” Here are some of the ones frequently asked:Should I… File for Social Security at 62? Leave my money in the Thrift Savings Plan after retirement, or move it to an IRA? Retire when I am first eligible to collect a benefit, or continue working? The answer to all of these is, well, it depends. When it comes to retirement decisions that may be hard to change later, it is important not to focus on the money you save now, but the cumulative cost your decision can have over the next decade or several decades. After all, for many Federal retirees, life after government may last longer than their working careers.For questions or comments, email us in advance at ForYourBenefit@nitpinc.comCopyright © 2023 Federal News Network. All rights reserved. This website is not intended for users located within the European Economic Area.

July 24, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Tammy Flanagan, Senior Benefits Director at NITP.It seems that everyone has an opinion when it comes to retirement decisions. Many of these opinions are stated as though they’re facts. Some of the questions from Federal employees about retirement center around relatively straightforward facts in law or policy. Here are some of the most common:<ul> <li>Will I get a cost-of-living adjustment on my retirement benefit?</li> <li>What are the requirements to continue my health insurance coverage into retirement?</li> <li>Do I have to begin taking payments from my TSP account when I retire from Federal service?</li> </ul>Other questions, though, require opinions because they lack a definitive right or wrong answer. In the retirement world, these often start with “Should I…” Here are some of the ones frequently asked:Should I…<ul> <li>File for Social Security at 62?</li> <li>Leave my money in the Thrift Savings Plan after retirement, or move it to an IRA?</li> <li>Retire when I am first eligible to collect a benefit, or continue working?</li> </ul>The answer to all of these is, well, it depends. When it comes to retirement decisions that may be hard to change later, it is important not to focus on the money you save now, but the cumulative cost your decision can have over the next decade or several decades. After all, for many Federal retirees, life after government may last longer than their working careers.For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>Copyright © 2023 Federal News Network. All rights reserved. This website is not intended for users located within the European Economic Area.

Federal Retirement: Fact or Opinion?

July 17, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Justin Dean, CFP®.Justin will share tips to help ensure your investments are working consistently hard for you even when you are away on summer travel. Know your destination Avoid distractions and accidents Check your progress Send in a question: Email us in advance at ForYourBenefit@nitpinc.comCopyright © 2023 Federal News Network. All rights reserved. This website is not intended for users located within the European Economic Area.

July 17, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Justin Dean, CFP®.Justin will share tips to help ensure your investments are working consistently hard for you even when you are away on summer travel.<ul> <li>Know your destination</li> <li>Avoid distractions and accidents</li> <li>Check your progress</li> </ul> Send in a question: Email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>Copyright © 2023 Federal News Network. All rights reserved. This website is not intended for users located within the European Economic Area.

Don’t Let Your Investments Go On Vacation

July 10, 2023 on ForYourBenefit, host Bob Leins, CPA® and co-host Bob Braunstein, Federal Benefits Specialist at NITP, welcome Theresa Brownson and Darnetta Bascomb, Senior Medicare Patrol Project, AARP Legal Counsel for the Elderly. What is Medicare fraud and abuse? What is the difference? Who does Medicare fraud affect? Examples of fraud and abuse How to detect potential problems What you can do to help stop Medicare fraud How to report your concerns How Medicare and FEHB work together For questions or comments, email us in advance at ForYourBenefit@nitpinc.comCopyright © 2023 Federal News Network. All rights reserved. This website is not intended for users located within the European Economic Area.

July 10, 2023 on ForYourBenefit, host Bob Leins, CPA® and co-host Bob Braunstein, Federal Benefits Specialist at NITP, welcome Theresa Brownson and Darnetta Bascomb, Senior Medicare Patrol Project, AARP Legal Counsel for the Elderly.<ul> <li>What is Medicare fraud and abuse?</li> <li>What is the difference?</li> <li>Who does Medicare fraud affect?</li> <li>Examples of fraud and abuse</li> <li>How to detect potential problems</li> <li>What you can do to help stop Medicare fraud</li> <li>How to report your concerns</li> <li>How Medicare and FEHB work together</li> </ul>For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>Copyright © 2023 Federal News Network. All rights reserved. This website is not intended for users located within the European Economic Area.

Medicare Fraud: How to Protect Yourself

June 26, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Kathy Lavinder, founder of Security &amp; Investigative Placement Consultants, a niche executive search firm. Kathy will provide the information you need to know about the private sector jobs market.Transitioning from the public sector to the commercial sector can be mystifying. It’s certainly different from the public sector. Executive recruiter Kathy Lavinder will offer guidance on how to navigate your job search and increase the odds of a good outcome.For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

June 26, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Kathy Lavinder, founder of Security &amp; Investigative Placement Consultants, a niche executive search firm. Kathy will provide the information you need to know about the private sector jobs market.Transitioning from the public sector to the commercial sector can be mystifying. It’s certainly different from the public sector. Executive recruiter Kathy Lavinder will offer guidance on how to navigate your job search and increase the odds of a good outcome.For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

Life After Government: Transitioning to the Private Sector

June 12, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Tony Zerante, Chief Strategy Officer, and Stephanie Baker, Chief Experience Officer, WAEPA.  Across the country, there is still a significant need for life insurance, both from consumers who don’t own any and from those who have some but need more.The Insurance Barometer Study, published annually by LIMRA, works to identify this need. Blending estimated U.S. adult population data with the survey results suggests the total life insurance need gap now encompasses 101 million adults.Today’s guests will talk about the insurance need gap. What exactly is it? Why is it important for the insurance industry, and consumers, to consider?For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

June 12, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Tony Zerante, Chief Strategy Officer, and Stephanie Baker, Chief Experience Officer, WAEPA.  Across the country, there is still a significant need for life insurance, both from consumers who don’t own any and from those who have some but need more.The Insurance Barometer Study, published annually by LIMRA, works to identify this need. Blending estimated U.S. adult population data with the survey results suggests the total life insurance need gap now encompasses 101 million adults.Today’s guests will talk about the insurance need gap. What exactly is it? Why is it important for the insurance industry, and consumers, to consider?For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

The Life Insurance Coverage Need Gap and American Consumers

May 22, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Herb Casey, Transition and Federal Benefits Specialist.There are many things to consider when making the decision to transition to retirement. Most people plan for retirement without thinking about how family can impact the process.  How will your spouse, children, grandchildren, parents, siblings, and extended family affect your retirement?  There are positives and negatives. Herb will talk about how family can impact finances, emotions, and mental health in retirement.For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

May 22, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Herb Casey, Transition and Federal Benefits Specialist.There are many things to consider when making the decision to transition to retirement. Most people plan for retirement without thinking about how family can impact the process.  How will your spouse, children, grandchildren, parents, siblings, and extended family affect your retirement?  There are positives and negatives. Herb will talk about how family can impact finances, emotions, and mental health in retirement.For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

How Family Impacts Transitioning to Retirement

May 15, 2023 on ForYourBenefit, hosts Bob Leins, CPA® and Tammy Flanagan, Senior Benefits Director NITP, welcome Mary Beth Franklin, Certified Financial Planner®, Contributing Editor for InvestmentNews, President of RetirePro, and foremost Social Security expert. What are the claiming strategies for Social Security that will maximize your retirement security? When does it make sense to claim Social Security at 62? When does it make sense to delay claiming Social Security? Can you still do-over your Social Security election or can you suspend your benefit payments? What is the difference between payroll taxes and the income taxes you may have to pay on your benefits? What are the “Social Security Trust Funds”? How is Social Security financed? Is Social Security going broke? What does the 2023 Social Security Trustees report mean when it states: The fund’s reserves will become depleted and continuing tax income will be sufficient to pay 77% of scheduled benefits? What are the likely changes that lawmakers will make to reduce or eliminate the long-term financing shortfalls in Social Security and Medicare? What is the purpose of the Social Security cost-of-living adjustment? Inflation is at near record highs; will the COLA keep up with inflation? If I delay Social Security past age 62, will I miss out on the COLAs? For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

May 15, 2023 on ForYourBenefit, hosts Bob Leins, CPA® and Tammy Flanagan, Senior Benefits Director NITP, welcome Mary Beth Franklin, Certified Financial Planner®, Contributing Editor for InvestmentNews, President of RetirePro, and foremost Social Security expert.<ul> <li>What are the claiming strategies for Social Security that will maximize your retirement security?</li> <li>When does it make sense to claim Social Security at 62?</li> <li>When does it make sense to delay claiming Social Security?</li> <li>Can you still do-over your Social Security election or can you suspend your benefit payments?</li> <li>What is the difference between payroll taxes and the income taxes you may have to pay on your benefits?</li> <li>What are the “Social Security Trust Funds”?</li> <li>How is Social Security financed?</li> <li>Is Social Security going broke?</li> <li>What does the 2023 Social Security Trustees report mean when it states: The fund’s reserves will become depleted and continuing tax income will be sufficient to pay 77% of scheduled benefits?</li> <li>What are the likely changes that lawmakers will make to reduce or eliminate the long-term financing shortfalls in Social Security and Medicare?</li> <li>What is the purpose of the Social Security cost-of-living adjustment?</li> <li>Inflation is at near record highs; will the COLA keep up with inflation?</li> <li>If I delay Social Security past age 62, will I miss out on the COLAs?</li> </ul>For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

Social Security FAQs

May 8, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Kari Utz-Wolsky, Nutrition and Conditioning Specialist, CFT, SPN, SSC (ISSA).  We do spring cleaning for the house, why not for ourselves? Get a head start on your summer fitness goals. On today’s program, Kari will talk about: How to clean up your mental space Using gardening as grounding Tips for seasonal allergy relief Don’t be a target for the pesky bugs Send in a question: Email us in advance at ForYourBenefit@nitpinc.com

May 8, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Kari Utz-Wolsky, Nutrition and Conditioning Specialist, CFT, SPN, SSC (ISSA).  We do spring cleaning for the house, why not for ourselves? Get a head start on your summer fitness goals. On today’s program, Kari will talk about:<ul> <li>How to clean up your mental space</li> <li>Using gardening as grounding</li> <li>Tips for seasonal allergy relief</li> <li>Don’t be a target for the pesky bugs</li> </ul>Send in a question: Email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

Spring Cleaning for the Self

May 1, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Tammy Flanagan, Senior Benefits Director at NITP, Inc.Choosing YOUR best date to retire will help you maximize and coordinate your final days on the payroll of your agency with the first days of receiving your hard-earned retirement benefit.Today’s program will address the details that you need to know as you begin your transition to retirement under FERS and CSRS: Determine if choosing the end of the year for your retirement makes sense. Learn the benefits of a mid-year separation for your retirement. Once you decide on your exact retirement date, then you can figure out the value of your lump sum annual leave payout and the amount of “use or lose” sick leave you will have. Tax planning should be part of your “best date to retire” decision. Learn how to prepare for delays in retirement processing that may occur throughout the retirement planning process. There are clues to know when it’s “time” for retirement. YOUR best retirement date may not be the same as your coworkers. There are important retirement planning steps everyone should take during the months leading up to your retirement date. Know when to “turn on” your Social Security retirement.  For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

May 1, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Tammy Flanagan, Senior Benefits Director at NITP, Inc.Choosing YOUR best date to retire will help you maximize and coordinate your final days on the payroll of your agency with the first days of receiving your hard-earned retirement benefit.Today’s program will address the details that you need to know as you begin your transition to retirement under FERS and CSRS:<ul> <li>Determine if choosing the end of the year for your retirement makes sense.</li> <li>Learn the benefits of a mid-year separation for your retirement.</li> <li>Once you decide on your exact retirement date, then you can figure out the value of your lump sum annual leave payout and the amount of “use or lose” sick leave you will have.</li> <li>Tax planning should be part of your “best date to retire” decision.</li> <li>Learn how to prepare for delays in retirement processing that may occur throughout the retirement planning process.</li> <li>There are clues to know when it’s “time” for retirement.</li> <li>YOUR best retirement date may not be the same as your coworkers.</li> <li>There are important retirement planning steps everyone should take during the months leading up to your retirement date.</li> <li>Know when to “turn on” your Social Security retirement.</li> </ul> For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

Best Dates to Retire

Host Bob Leins and presenters from NITP, Inc., the national leader in Federal retirement planning seminars, present topics of interest to the Federal community including Federal benefits, Social Security, financial planning, TSP and estate planning.

April 24, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Joel Cundick, CFP®. On today’s program, Joel will talk about what to do after the sudden death of a spouse, parent, or other family member.  He will discuss the importance of having finances in order in advance and answer the questions: What information can you gather now to minimize the difficulty of a possible death of a spouse? What modifications should be made to a portfolio to stress-test it for that kind of change? If you have recently lost a spouse, what are the most important things to do financially? What dates are critical to remember and why? For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

April 24, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Joel Cundick, CFP®. On today’s program, Joel will talk about what to do after the sudden death of a spouse, parent, or other family member.  He will discuss the importance of having finances in order in advance and answer the questions:<ul> <li>What information can you gather now to minimize the difficulty of a possible death of a spouse?</li> <li>What modifications should be made to a portfolio to stress-test it for that kind of change?</li> <li>If you have recently lost a spouse, what are the most important things to do financially?</li> <li>What dates are critical to remember and why?</li> </ul>For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

Preparing for the Loss of a Parent, Spouse, or Other Family Member

April 17, 2023 on ForYourBenefit, host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, Inc., welcome Kim Weaver, Director, External Affairs, Federal Retirement Thrift Investment Board.Today’s discussion will focus on answering the following questions: The TSP changed recordkeepers last June. What did participants get from the transition? SECURE 2.0 became law at the end of 2022 and made a number of changes that apply to the TSP. What are they and when are they going to be implemented? Stats! How many participants receive the 5% match? How many millionaires? Average account balances? What were the administrative expenses for 2022?

April 17, 2023 on ForYourBenefit, host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, Inc., welcome Kim Weaver, Director, External Affairs, Federal Retirement Thrift Investment Board.Today’s discussion will focus on answering the following questions:<ul> <li>The TSP changed recordkeepers last June. What did participants get from the transition?</li> <li>SECURE 2.0 became law at the end of 2022 and made a number of changes that apply to the TSP. What are they and when are they going to be implemented?</li> <li>Stats! How many participants receive the 5% match? How many millionaires? Average account balances?</li> <li>What were the administrative expenses for 2022?</li></ul>

TSP Update from the Experts

April 10, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes John Jilek, CFP®. Are you thinking about retiring soon? Do you understand the consequences of taxes on fixed income? Tune in to this program to enhance your understanding of the following: Tax Withholding 101 for Federal employees. Be prepared to fully understand how you are taxed at the Federal, State, and Local levels. Unwinding the myth of retirement in a lower tax bracket. It just doesn’t happen for FEDs. Understanding the taxation issue associated with TSP pretax contributions and growth. Roth TSP contributions. It’s not too late, take advantage of this before you retire to build a tax-free nest egg. No – You don’t make too much income to contribute. Consider a team of professionals to help you through the critical years transitioning from working income to retirement income. The Secure Act and Secure Act 2.0 may not favor you or your beneficiaries. Make sure you plan appropriately. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

April 10, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes John Jilek, CFP®. Are you thinking about retiring soon? Do you understand the consequences of taxes on fixed income? Tune in to this program to enhance your understanding of the following:<ul> <li>Tax Withholding 101 for Federal employees. Be prepared to fully understand how you are taxed at the Federal, State, and Local levels.</li> <li>Unwinding the myth of retirement in a lower tax bracket. It just doesn’t happen for FEDs.</li> <li>Understanding the taxation issue associated with TSP pretax contributions and growth.</li> <li>Roth TSP contributions. It’s not too late, take advantage of this before you retire to build a tax-free nest egg. No – You don’t make too much income to contribute.</li> <li>Consider a team of professionals to help you through the critical years transitioning from working income to retirement income.</li> <li>The Secure Act and Secure Act 2.0 may not favor you or your beneficiaries. Make sure you plan appropriately.</li> </ul>For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

Understanding the Consequences of Taxes on Fixed Income

April 3, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Karen Schaeffer, CFP®It’s Financial Literacy Month! People who are financially literate are generally less vulnerable to financial fraud and more likely to be financially secure. Join Karen Schaeffer, CFP® to learn how to master important financial skills and concepts including: Tracking and managing personal spending, Using debt responsibly, The miracle of compounding, Investment dos and don’ts, and Resources for improving your financial literacy. For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

April 3, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Karen Schaeffer, CFP®It’s Financial Literacy Month! People who are financially literate are generally less vulnerable to financial fraud and more likely to be financially secure. Join Karen Schaeffer, CFP® to learn how to master important financial skills and concepts including:<ul> <li>Tracking and managing personal spending,</li> <li>Using debt responsibly,</li> <li>The miracle of compounding,</li> <li>Investment dos and don’ts, and</li> <li>Resources for improving your financial literacy.</li> </ul>For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

Financial Literacy

March 27, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes David Santana, Health Insurance Specialist from the Centers for Medicare and Medicaid Services. Understand your Medicare coverage choices to maximize your benefits Evaluate the cost of enrolling in Medicare and premium payments Summarize the choices to make an informed Medicare enrollment decision Learn about recent laws that affect the Medicare program For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

March 27, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes David Santana, Health Insurance Specialist from the Centers for Medicare and Medicaid Services.<ul> <li>Understand your Medicare coverage choices to maximize your benefits</li> <li>Evaluate the cost of enrolling in Medicare and premium payments</li> <li>Summarize the choices to make an informed Medicare enrollment decision</li> <li>Learn about recent laws that affect the Medicare program</li> </ul>For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

Understanding the Medicare Program

March 20, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Tom O’Rourke, Counsel. Today’s program will focus on issues related to meeting your 2022 tax filing deadline, including: The need to file and pay your taxes in a timely manner What to do if you owe taxes but cannot afford to pay How you can use the 2022 tax filing season as a guide to future tax saving opportunities to minimize your 2023 tax liability The recently enacted Secure 2.0 and the major changes in the law affecting individual taxpayers For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

March 20, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Tom O’Rourke, Counsel. Today’s program will focus on issues related to meeting your 2022 tax filing deadline, including:<ul> <li>The need to file and pay your taxes in a timely manner</li> <li>What to do if you owe taxes but cannot afford to pay</li> <li>How you can use the 2022 tax filing season as a guide to future tax saving opportunities to minimize your 2023 tax liability</li> <li>The recently enacted Secure 2.0 and the major changes in the law affecting individual taxpayers</li> </ul>For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

Are You on Track to Meet Your 2022 Tax Filing Deadline?

March 13, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes M. Shane Canfield, CEO, and Laurie Lee, Chief Financial Officer, WAEPA. Today’s guests will talk about financial well-being and that life insurance has more uses than many are aware of. March is Women’s History Month. Today’s discussion will also focus on women and how to ensure they have the financial tools and resources they need. Needs analysis for life insurance at the individual level Coverage gap: What does it mean and how do we solve it Determine your financial goals and create a timeline for each goal The importance of financial preparation Obtaining the right amount of life insurance, especially for women What WAEPA is doing to help Federal employees  For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

March 13, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes M. Shane Canfield, CEO, and Laurie Lee, Chief Financial Officer, WAEPA. Today’s guests will talk about financial well-being and that life insurance has more uses than many are aware of. March is Women’s History Month. Today’s discussion will also focus on women and how to ensure they have the financial tools and resources they need.<ul> <li>Needs analysis for life insurance at the individual level</li> <li>Coverage gap: What does it mean and how do we solve it</li> <li>Determine your financial goals and create a timeline for each goal</li> <li>The importance of financial preparation</li> <li>Obtaining the right amount of life insurance, especially for women</li> <li>What WAEPA is doing to help Federal employees</li> </ul> For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

What Do I Need Life Insurance to Cover?

March 6, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes John Jilek, CFP®. There is a 100 percent chance we will all pass away some day. Life insurance, for the majority of us, can be an important vehicle to provide financial security for those left behind. What are the milestones of life insurance for Federal Employees? Why you should think of life insurance as death insurance. Does life insurance make financial sense if held for the long term? LTC Insurance is a necessity for all Federal employees that are not able to self-insure. Putting Long Term Care Insurance into perspective now that the Federal LTC program is on hold. Find an alternative. Don’t procrastinate. Property Casualty Insurance is the most overlooked personal insurance by Federal employees. PIC = Proper Insurance Coverage Umbrella Liability Insurance is the least understood and bought by Federal employees. No Umbrella Liability = Bullseye for Lawsuit For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

March 6, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes John Jilek, CFP®. There is a 100 percent chance we will all pass away some day. Life insurance, for the majority of us, can be an important vehicle to provide financial security for those left behind. What are the milestones of life insurance for Federal Employees? Why you should think of life insurance as death insurance. Does life insurance make financial sense if held for the long term?<ul> <li>LTC Insurance is a necessity for all Federal employees that are not able to self-insure.</li> <li>Putting Long Term Care Insurance into perspective now that the Federal LTC program is on hold.</li> <li>Find an alternative.</li> <li>Don’t procrastinate.</li> <li>Property Casualty Insurance is the most overlooked personal insurance by Federal employees.</li> <li>PIC = Proper Insurance Coverage</li> <li>Umbrella Liability Insurance is the least understood and bought by Federal employees.</li> <li>No Umbrella Liability = Bullseye for Lawsuit</li> </ul>For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

Personal Insurances Overview

February 27, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Brian Kurrus, CFP® to talk about questions to ask yourself before setting a retirement date. Have you saved enough for retirement? What investment changes should you consider? What can derail your retirement plans? For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

February 27, 2023 on ForYourBenefit, host Bob Leins, CPA® welcomes Brian Kurrus, CFP® to talk about questions to ask yourself before setting a retirement date.<ul> <li>Have you saved enough for retirement?</li> <li>What investment changes should you consider?</li> <li>What can derail your retirement plans?</li> </ul>For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

When Can I Retire? Will I Have Enough Money?

February 13, 2023 on ForYourBenefit, host Bob Leins, CPA® and co-host Ray Kirk, Ph.D., welcome Josh Huder, Ph.D., to discuss the 118th Congress. Josh is a Senior Fellow at The Government Affairs Institute at Georgetown University, a non-profit organization dedicated to educating Federal employees about Congress and its operation. Why did it take 15 ballots to elect the Speaker of the House? How do Speaker of the House McCarthy’s concessions impact Congressional decision making? How will the 118th Congress differ from the 117th Congress? How will Congress raise the Federal debt limit? Will Congress pass a budget? Will agencies receive their funding on time? For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

February 13, 2023 on ForYourBenefit, host Bob Leins, CPA® and co-host Ray Kirk, Ph.D., welcome Josh Huder, Ph.D., to discuss the 118th Congress. Josh is a Senior Fellow at The Government Affairs Institute at Georgetown University, a non-profit organization dedicated to educating Federal employees about Congress and its operation.<ul> <li>Why did it take 15 ballots to elect the Speaker of the House?</li> <li>How do Speaker of the House McCarthy’s concessions impact Congressional decision making?</li> <li>How will the 118th Congress differ from the 117th Congress?</li> <li>How will Congress raise the Federal debt limit?</li> <li>Will Congress pass a budget? Will agencies receive their funding on time?</li> </ul>For questions or comments, email us in advance at <a href="mailto:ForYourBenefit@nitpinc.com">ForYourBenefit@nitpinc.com</a>

118th Congress

For Your Benefit

Host Bob Leins, CPA® welcomes Bob Braunstein, Federal Benefits Specialist, NITP.

Special Federal Retirement Categories

Host Bob Leins, CPA® and co-host Tammy Flanagan, Senior Benefits Director at NITP, welcome Joe Sullender, CFP® to discuss areas of overlap between finance planning, tax planning, and Federal benefits.

Roundtable:  Overlap Between Federal Benefits, Finance and Tax Planning

Evaluating Life Insurance Coverage Outside of Open Season

Host Bob Leins, CPA® and co-host Ray Kirk, Ph.D., Federal Benefits Specialist, NITP, welcome Ravi Deo, Executive Director, and Kim Weaver, Director of External Affairs of the Federal Retirement Thrift Investment Board.

Host Bob Leins, CPA® welcomes Phil Gardner, Federal Benefits Specialist at NITP, Inc.

Effects of Divorce on Federal Benefits

Host Bob Leins, CPA® welcomes Tom O’Rourke, Esquire, Miles &amp; Stockbridge, PC., to talk about recent changes in the tax law and in particular the Secure Act.

Recent Tax Developments

Host Bob Leins, CPA® welcomes Josh Huder, Ph.D., to the studio to discuss the 116th Congress.  Josh is a Senior Fellow at The Government Affairs Institute at Georgetown University, a non-profit organization dedicated to educating Federal employees about Congress and its operation.

The 116th Congress

Host Bob Leins welcomes David Santana from the Centers for Medicare and Medicaid Services to the studio.

What would you do if you suddenly learned that your Federal retirement coverage is incorrect?  You would probably want to know what your correct coverage should be and why the mistake happened.   You would be interested in how and when the error will be corrected and what its financial impact will be.

FERCCA Corrections

Host Bob Leins, CPA® and co-host Bob Braunstein, Federal Benefits Specialist at NITP, welcome Theresa Brownson and Darnetta Bascomb, Senior Medicare Patrol Project, AARP Legal Counsel for the Elderly.

Medicare Fraud:  How to Protect Yourself

Host Bob Leins, CPA® welcomes Anne Sullivan, Esquire, and Lacey Yegen, Esquire of Handler &amp; Levine, LLC.  Our discussion will focus on factors that make Estate Planning for women unique.  We will also describe the Estate Planning documents that every person needs and explain how planning can change over time based on your relationships and stage in life.  •                    How Estate Planning is Different for Women•                    Evolution of a Plan - From Start to Finish•                    Single•                    Married or Partnered•                    Married or Partnered with Children and Single with Children•                    Divorced•                    Blended Families•                    WidowedFor questions or comments, email us in advance at ForYourBenefit@nitpinc.com

Host Bob Leins, CPA® welcomes Anne Sullivan, Esquire, and Lacey Yegen, Esquire of Handler &amp; Levine, LLC. Our discussion will focus on factors that make Estate Planning for women unique. We will also describe the Estate Planning documents that every person needs and explain how planning can change over time based on your relationships and stage in life. • How Estate Planning is Different for Women • Evolution of a Plan - From Start to Finish • Single • Married or Partnered • Married or Partnered with Children and Single with Children • Divorced • Blended Families • Widowed For questions or comments, email us in advance at ForYourBenefit@nitpinc.com

Estate Planning for Women

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