Know the rules of when you are eligible for an Immediate or Deferred Retirement and how much income you will receive. What are your alternatives?

Do you have an updated last will and living will? Do your loved ones know what you want to happen? Complete a 4KAST report and gain access to a free will.

Can you keep your health insurance(FEHB)? What happens to your Group Life (FEGLI) coverage? Are there COLA increases in retirement?

What do I need to know about Medicare? Do my premiums still get subsidized by the government? Can my survivors keep the coverage after retirement? Your 4KAST report presentation will determine your best choices and the implications of your choices.

Before retirement, the biggest risk is losing your income. After retirement, it is running out of money and healthcare. Long Term Care is expensive.

This doesn't sound pleasant, but your planning depends upon it. Do your relatives of the same gender live longer or shorter than average? Find out your life expectancy at www.FRIP-LifeSpan.com

In retirement, the return of your money can be more important than the return on your money. Peace of mind comes from guaranteed lifetime income. There are strategies and funding vehicles designed for this.

Retirement years are not all the same. Therefore financial planning for these years also needs attention. You may go through the Go-Go Years, the Slow-Go Years, and then the No-Go Years. Planning is different for each stage. "The person who anticipates the coming of troubles takes away its power when it arrives." (Seneca)

If I live well into my 90s or older, is it possible to run out of money? If I die sooner than expected, is my family protected? Get some answers from your personal 4KAST report.

How much of your pre-retirement income can you replace with your 1) FERS Annuity (pension), 2) Social Security, and 3) Income from your TSP? Will it be sufficient to replace your pre-retiremet income? Check out your 4KAST report.

There’s always something you can do to improve your circumstances and outcome. Save more, pay attention to your benefits, and plan ahead with a 4KAST report. After all, people who plan ahead typically have better results than those who wing it. Don't you agree? Get your 4KAST report and take charge of your future and your outcome - so your life unfolds the way you picture it.