Frequently Asked Questions

FERS is a three-part system with Social Security, TSP, and basic annuity, while CSRS provides a single pension without Social Security. FERS employees contribute to Social Security and can maximize TSP benefits. At ZiVae Financial, we help federal employees understand both systems for optimal planning.

Certain life insurance policies allow tax-free loans against cash value during retirement, providing income without triggering taxable events. This strategy can supplement other retirement income while maintaining death benefits. ZiVae Financial guides clients through analysis to application completion for these opportunities.

Federal employees should begin TSP planning as early as possible to maximize compound growth and employer matching. Starting in your 20s or 30s allows decades of growth potential. ZiVae Financial specializes in TSP optimization strategies for federal employees in the Baltimore area.

Retirement seminars typically cover pensions, Social Security optimization, Medicare planning, estate planning strategies, tax implications, and trust options. These 50-minute educational sessions provide comprehensive retirement knowledge. ZiVae Financial includes complimentary retirement booklets with their seminars and webinars.

Retirement plans should be reviewed annually or after major life changes like marriage, job changes, or market shifts. Regular reviews ensure strategies remain aligned with goals and market conditions. ZiVae Financial provides continuous support to help clients navigate changing retirement options.

A complimentary risk analysis assesses your current financial standing, retirement needs, investment risk tolerance, and long-term goals. This evaluation identifies gaps and opportunities in your retirement strategy. ZiVae Financial uses this consultation to develop personalized retirement planning approaches.

Yes, Medicare costs and supplement insurance premiums impact retirement budgets significantly. Proper Medicare planning prevents unexpected healthcare expenses from derailing income strategies. ZiVae Financial integrates Medicare planning with comprehensive retirement income strategies for seamless coordination.

Federal retirement systems have unique rules, benefits, and optimization strategies not found in private sector plans. Understanding FERS, CSRS, and federal benefits requires specialized knowledge. ZiVae Financial offers customized pension strategies specifically designed for federal and non-federal employees.

Trust strategies, proper beneficiary designations, and wealth transfer techniques protect retirement assets from taxes and probate delays. These strategies ensure your retirement savings benefit intended heirs efficiently. ZiVae Financial provides estate planning consultation integrated with retirement security planning.

Retirement webinars offer the same comprehensive education as in-person seminars but provide convenient online access from home. Both formats cover essential topics like Social Security and Medicare planning. ZiVae Financial offers both 50-minute formats with complimentary educational materials included.