Products & Services Investment Advisory Services*Fee-Based Money Management utilizing Matrix Asset Allocation using top academic research and institutional DFA Dimensional Funds.Products offered through PAYROLL Deduction Mutual Funds* Variable Annuities* Variable Life* Long Term Care Roth IRA`s Traditional IRA`s Disability IncomeFederal Employee Benefits Questions you need to know to make an intelligent,informed decision regarding your retirement package.CSRS Retirement - FERS Retirement Social Security * What will I receive as a FERS Employee? * What are the penalties for CSRS Employees? Military Credit* Payback - What does it do for me? Non-Credit Time* Payback - Who does it effect?* What does it do for me? Spousal Retirement Elections* Are there alternatives? Taxes at Retirement* What is taxable income? What is not? Thrift Savings Plan * What should my strategy be while I am working?* What about after I retire? Retirement Calculations* What happens to the days left over when computing years, months, and days of service?* Do I receive credit or do I forfeit those days?* When is the best time to retire?Will you be offered an Early Out or will your option be a RIF? Which is in your best financial interest?How is your CSRS credit calculated? What about your CSRS sick leave credit? Thrift Savings Plan - how does it impact your retirement? Are you subject to Social Security Windfall and Spousal offset penalties? How is your annuity calculated if you retire before you are eligible? When you retire early, what are your pension options? What are your tax implications after retirement? What happens to your FEGLI benefits? What happens to your health insurance benefits? What are spousal retirement costs?If you cannot answer all of these questions and other Federal Employee Benefit questions as they relate to you.... You need Personal, Professional Consulting ServicesContact…… FAMILY LIFE FINANCIAL SERVICES, today!We offer computerized printouts of all your benefits making your retirement decision informed and effortless.