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Feducate

Federal Retirement Programs Can Be Too Complicated

There are a lot of potentially confusing aspects of Federal Retirement. You may hear acronyms and terms like FERS, CSRS, Mandatory Retirement Age, FEGLI, Early Out Options, FEHB, Social Security, SBP, and TSP. It can be a lot to navigate for anyone without a guide. That's where the team at Worthington Financial comes in.

Let us unravel the complexities of federal retirement systems for you. Our professionals who are versed with Feducate are just a phone call away for those who prefer a friendly chat, and our doors are always open for face-to-face meetings. Our workshops are an engaging space where we unravel all of the specifics of the federal retirement systems for you. The best part? All of this comes at no cost to you or the employer. At Worthington Financial Partners, we believe in providing value above all else.

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The Benefits of a Feducate Workshop

Client Centered

Welcome to a new beginning in understanding your federal retirement benefits with Feducate! Our workshops are your gateway to demystifying the complexities of federal retirement. Imagine having a clear roadmap for your future, where financial uncertainties are replaced with confidence and clarity. That’s what our Feducate workshops offer – a chance to make informed decisions for a secure and comfortable retirement.

Explanation of the Feducate Program for Simplifying Federal Retirement

The Feducate Program is your personal guide through the labyrinth of federal retirement. We break down the Federal Employees Retirement System (FERS), Civil Service Retirement System (CSRS), and other key elements like the Thrift Savings Plan (TSP), health and life insurance, and more. Our workshops provide easy-to-understand explanations and practical advice, making retirement planning a less daunting task.

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Feducate is here for every federal employee who wishes to grasp their retirement benefits without getting lost in the jargon. Whether you’re just starting your career, in the middle of it, or close to retiring, our workshops are tailored for you. We also welcome family members who play a part in retirement planning. Our goal? To empower you with knowledge, simplify complex topics, and help you make the best decisions for your future.

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Decoding Your Federal Retirement: A Simple Guide to Key Terms

This glossary aims to provide a basic understanding of key terms related to federal retirement benefits, making it easier for federal employees and their families to navigate their options.

  • FERS (Federal Employees Retirement System): A retirement plan for U.S. federal civilian employees, providing benefits from three different sources: a Basic Benefit Plan, Social Security, and the Thrift Savings Plan (TSP). It’s designed to offer flexibility and financial security.
  • CSRS (Civil Service Retirement System): An older retirement system replaced by FERS, primarily for federal employees hired before 1984. It provides retirement, disability, and survivor benefits for its members.
  • FEGLI (Federal Employees’ Group Life Insurance): A life insurance program for federal employees and retirees, offering basic life insurance coverage and options to purchase additional insurance based on salary and personal needs.
  • FEHB (Federal Employees Health Benefits Program): A program that provides comprehensive health insurance options for active and retired federal employees. It offers a wide range of plans and coverage choices.
  • Mandatory Retirement Age: The age at which certain federal employees, especially in specific job positions like law enforcement and air traffic control, are required to retire. This age varies depending on the nature of the job and its physical and mental demands.
  • Early Out Options: Special provisions that allow federal employees to retire early under certain circumstances, such as agency downsizing or restructuring, without the penalties that typically apply to early retirement.
  • Social Security for Federal Employees: Refers to the Social Security benefits federal employees are eligible for under FERS. Those under CSRS may have different eligibility criteria due to the non-participation in the Social Security program for most of their careers.
  • SBP (Survivor Benefit Plan): A program allowing retired federal employees to provide a portion of their retirement benefits to a surviving spouse or other eligible dependents after the retiree’s death.
  • TSP (Thrift Savings Plan): A tax-deferred retirement savings and investment plan for federal employees, similar to a 401(k) plan, offering a variety of investment options with different risk and reward profiles.

Meet Our Feducate Professionals

Dominic R. Serio, ChFEBC

Registered Representative, Equity Services, Inc.

(410) 527-1292 ext. 225

serio_dominic@nlgroupmail.com

Dominic was born and raised in Ellicott City, Maryland where he graduated from Mt. St. Joseph High School. As a junior in high school, he experienced the loss of his mother and father. Thankfully, his parents had arranged a financially...

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Patricia Almony, ChFEBC

Investment Adviser Representative, Equity Services, Inc.

410-527-1292 ext. 205

almony_patricia@nlgroupmail.com

Patty Almony has over 34 years in the industry. Patty was named as a Five Star Wealth Manager by Baltimore Magazine in 2012 and 2020. She met her husband Mike while attending Washington College on the Eastern Shore where she obtained a...
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Matthew Lebowitz

Registered Representative, Equity Services, Inc.

410-527-1292 ext. 239

lebowitz_matthew@nlgroupmail.com

Matthew was born and raised in Pikesville, MD and recently graduated from Towson University with his Bachelor of Science degree in Business Administration.  As a senior, he was a financial intern with Worthington Financial Partners and...

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Aeric Jordan Alexander

Registered Representative, Equity Services, Inc

410-527-1292 ext. 228

alexander_aeric@nlgroupmail.com

Jordan was raised in Mount Airy, MD and attended Towson University where he received his Bachelor of Science degree in Business Administration with a concentration in Finance. Before coming to the Worthington Financial Partners team,...

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Frequently Asked Questions

  1. What is Feducate?
    Feducate is a program designed to help federal employees understand federal retirement benefits.
  2. Who can benefit from Feducate workshops?
    All federal employees and their family members involved in retirement planning.
  3. What topics do the Feducate workshops cover?
    Topics include FERS, CSRS, TSP, health benefits, life insurance, and retirement planning.
  4. Are there any costs associated with attending a Feducate workshop?
    No, our workshops are free of charge.
  5. How do I register for a Feducate workshop?
    Register through our website by filling out the form below.

These Financial Services Representatives are not affiliated with Feducate or with the Federal Government or any Federal program. They are solely evaluating the Federal Employee's needs for additional benefits. Equity Services, Inc. is independent of all named entities.   

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