Be Money Smart
Develop an action plan to have money for the life you choose.
- Improve money management.
- Plan steps to manage expenses.
- Manage credit and debt.
- Manage risk with insurance.
- Evaluate assets and liabilities.
- Create an emergency fund.
- Build savings with tax-smart retirement savings accounts (e.g., Federal Thrift Savings Plan (TSP), IRAs, 403(b), 457(b), 401(a), 401(k), IRA, Simplified Employee Pension (SEP) IRA, SIMPLE IRA).
- Improve financial records.
- Make your plan with a step-by-step guide
- Choose your Course
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Federal
Customized for U.S. Federal Government and Military with a Thrift Savings Plan (TSP)
Non-Federal
Customized for Large/Small Businesses, Sole Proprietors, Local Government, Schools, Tax-Exempt Organizations with 401(k)s, Simplified Employee Pension (SEP) IRAs, SIMPLE IRAs, 403(b), 457(b), and 401(a) plans and Federal retirees with no TSP.
Plan Retirement
Retired? Tax-Smart Investment and Cash Flow Planning
- Create a tax-smart retirement cash flow plan.
- Learn ways to have more after-tax money to spend.
- Learn how to avoid stealth taxes.
- Learn ways to transfer assets efficiently to heirs.
- Determine retirement income
needed from savings.
- Plan tax-smart withdrawals from employer-sponsored retirement savings plans and other investments (e.g., TSP, IRAs, 403(b), 457(b), 401(a), 401(k), IRA, Simplified Employee Pension (SEP) IRA, and SIMPLE IRA).
- Determine a safe spending rate.
- Determine if Roth conversions would benefit you.
- Learn how to invest for inflation-adjusted lifetime income.
- Learn how to invest and allocate for retirement goals.
- Make your financial/retirement plan with a step-by-step guide.
- Choose your Course
-
Federal
Customized for U.S. Federal Government and Military with a Thrift Savings Plan (TSP)
Non-Federal
Customized for Large/Small Businesses, Sole Proprietors, Local Government, Schools, Tax-Exempt Organizations with 401(k)s, Simplified Employee Pension (SEP) IRAs, SIMPLE IRAs, 403(b), 457(b), and 401(a) plans and Federal retirees with no TSP.
Sustainable — always current
for tax laws, returns, plan rules
Self-paced accessible elearning anytime
— no need for seminars