Dmason Financial tools can help you with TSP, Retirement, and Financial Planning.

No need to wait for seminars. Self-paced, training tools on AgLearn can help you understand Federal benefits and make plans to manage and invest your money to fund the lifestyle you choose. Recent updates include a new "Ready to Retire" course, changes due to the SECURE and CARES acts, and the new L funds.

Make your financial/retirement plans to secure your financial future with step-by-step guides written by Debbie Mason, a CERTIFIED FINANCIAL PLANNER professional.

Financial planning checklist:

• Are you meeting your financial goals?
• Have you paid off credit cards or other debts that you hoped to?
• Have you kept within your budget?
• Do you have an emergency fund?
• Have you contributed the maximum amount to your TSP?

Within one year of retirement? How can you have more after-tax money to spend? New

• Will you have enough cash flow for your retirement plans without running out of money?
• How can you create tax-efficient cash flow from savings to add to your other income sources (e.g., CSRS, FERS, Social Security)?
• Should you change your investment allocations when you retire?
• Would Roth conversions benefit you?
• Have you planned for long-term care and estate transfers?

Within 10 years of retirement? How much cash flow will you want from savings?

• Will you have enough cash flow for what you want to do?
• Do you need to reduce debt or increase savings to fund your goals?
• Have you maximized your TSP and other tax-smart savings?
• Have you looked at potential cash flow from TSP/IRA withdrawals?
• Do you need to adjust investment allocations for short-, intermediate-, and long-term goals?

Have you reviewed your financial goals and savings needed lately?

• Have you estimated income needs and savings growth over time?
• Are you maximizing your TSP and other tax-smart savings?
• Have you compared tax-smart saving options — TSP, Roth TSP, IRAs, Roth IRAs?
• Do you know which investments are best for short-, intermediate-, and long-term goals?
• Do you need help planning for child education, long-term care, or estate transfers?

(Edited by DANA DEROUCHEY - original submission Monday, July 12, 2021, 11:51 AM)