When Its Time To Retire

1
How to Register...
PRE-RETIREMENT SEMINARS
Subject Pre-Retirement Seminars
(Lunch not included) If there your agency has
multiple registrations list them on one sheet
with name and class selection, and fill out one
registration form and attach it to the list of
names and send or fax with payment. REGISTER
EARLY Registrations will be accepted in the
order received--when full, reservations will be
put on a waiting list. Registration deadline
Feb 16, 2004 NO REFUNDS WILL BE GIVEN UNLESS
CANCELLATION IS RECEIVED AND CONFIRMED BY
FEBRUARY 16, 2004! NAME ________________________
_______________________ AGENCY
_____________________________________________ PHON
E _________________ FAX ____________________
__ EMAIL ________________________________________
______ Select One (Circle the class you will be
attending) CSRS Wednesday, February 18
FERS Thursday, February 19 Payment maybe made
by cash, check or credit card. (Returned checks
will be assessed a 30 fee) CASH CHECK
NUMBER _____________ CREDIT
CARD CREDIT CARD NUMBER _________________________
________ EXPIRATION DATE ________ VISA
MASTERCARD VERIFICATION NUMBER
_______________________________ NAME ON CREDIT
CARD _________________________________ BILLING
ADDRESS _____________________________________ CIT
Y ______________________ ZIP CODE
________________ PHONE ______________________
FAX ___________________ SIGNATURE
__________________________________________ Mail,
FAX, or Email your reservations to the DFEB
Office DFEB, Attn CJ Beasley 6760 E. Irvington
Place Denver, CO 80279-8000 Phone
303-676-7009 FAX [phone] Email
cj.beasley_at_dfas.mil
Presented by the Denver Federal Executive Board
When Its Time To Retire Will You Be Ready?
Or will you still have to...
Make your plans NOW!
Attend the pre-retirement seminar for
you... CSRS, Wednesday, February 18, 2004 FERS,
Thursday, February 19, 2004
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ARE YOU PLANNING ON RETIRING...
PRE-RETIREMENT PLANNING SEMINAR
Today, tomorrow, next year, in 5 years, 10 years
or even 20 or more??? Do todays headlines of
bankruptcy, questionable accounting practices,
and soft stock market prices have you wondering
what to do? Do you worry about whether your
retirement money will be there when youre ready
to retire? If you answered yes to any one of
these questions, or all of them, then you need to
attended one of these seminars on pre-retirement
planning to learn about financial planning in
turbulent times and, so that both you and your
money will be ready when retirement time comes.
Class Agenda

• 800 am Registration Begins
• 830 am Introductions
• Presenter
• Attendees
• Objectives
• Expectations of the attendees
• Preparation for Retirement
• Visualization
• Paper Work
• Financial Planning
• ABC's of Financial Planning
• Federal Employee Benefits
• FERS
• CSRS
• CSRS offset
• CSRS Transferred to FERS
• 1000 am Break 1015 am Annuity
  Survivor Benefits
• Noon Lunch 100 pm Voluntary Contribution
  Program
• Thrift Savings Plan

ABOUT THE SPEAKER...
Judy Snow privately owns Snow Cap Agency, Inc.,
she has over 20 years industry experience and 25
years as a public speaker. Ms. Snow is a
financial and estate planner who specializes in
working with federal employees. She and her
associates provide retirement and financial
planning seminars to federal employees on all
government benefits all over the United States.
Fort Collins, CO February 18 or 19, 2004 What
CSRS When Wednesday, February 18,
2004 Where Ft. Collins Marriott 350 Horsetooth
Road What FERS When Thursday, February 19,
2004, Where Ft. Collins Marriott 350
Horsetooth Road Cost 99 per person (Registered
before 2/12/04) 125 per person (Registered on
or after 2/12/04) The Financial Estate
Planning Seminar, the second part to the
Pre-Retirement Seminars, will be offered on
February 20, 2004. Please use the separate
registration form for that class.

• All attendees should bring
• Pocket Calculator
• TSP Statement
• Social Security Statement
• Investment Statements

• Leave Earning Statement
• SF50
• Pad of Paper and Pencil

Registration for all classes begins at 800 am,
Class begins promptly at 830 am. All other
times are approximations.
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How to Register...
FINANCIAL ESTATE PLANNING SEMINAR
Subject Financial Estate Planning Seminar
(Lunch not included) If there your
agency has multiple registrations list them on
one sheet with name and class selection, and fill
out one registration form and attach it to the
list of names and send or fax with payment.
REGISTER EARLY Registrations will be accepted
in the order received--when full, reservations
will be put on a waiting list. Registration
deadline Feb 16, 2004 NO REFUNDS WILL BE GIVEN
UNLESS CANCELLATION IS RECEIVED AND CONFIRMED BY
FEBRUARY 16, 2004! NAME ________________________
_______________________ AGENCY
_____________________________________________ PHON
E _________________ FAX ____________________
__ EMAIL ________________________________________
______ Payment maybe made by cash, check or
credit card. (Returned checks will be assessed a
30 fee) CASH CHECK NUMBER
_____________ CREDIT CARD CREDIT CARD
NUMBER _________________________________ EXPIRATI
ON DATE ________ VISA
MASTERCARD VERIFICATION NUMBER
_______________________________ NAME ON CREDIT
CARD _________________________________ BILLING
ADDRESS _____________________________________ CIT
Y ______________________ ZIP CODE
________________ PHONE ______________________
FAX ___________________ SIGNATURE
__________________________________________ Mail,
FAX, or Email your reservations to the DFEB
Office DFEB, Attn CJ Beasley 6760 E. Irvington
Place Denver, CO 80279-8000 Phone
303-676-7009 FAX [phone] Email
cj.beasley_at_dfas.mil
Presented by the Denver Federal Executive Board
Money doesnt grow on trees...
But it does grow when you plan, save and invest
(Last 3 digits on back of card by signature)

Make your plans to attend NOW!
Attend the Financial Planing Seminar... Ft.
Collins, CO, February 20, 2004
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Do You Want to for Retirement, Vacation,
College Education or Just to Save...
FINANCIAL ESTATE PLANNING
Class Agenda
Do you plan on sending the kids to college? Do
you want to take a vacation of a lifetime? Do
you plan on retiring someday? Do you want to
save for a rainy day? If you answered yes to any
of these questions or you have some other ideas
that will take , how are you going to pay for
it? Well, unless youre already wealthy or
youve just won the lotto you may need a little
bit of advice on how plan for your financial
future. If that is the case then this class is
for you. Come find out how to make those dreams
a reality.
800 AM Registration Begins 830 am Financial
Planning/Risk Management Issues Medical
Disability Long Term Care Property
Casualty Emergency Fund Life Insurance
(Calculating how much youll need in
retirement) 1000 am Break 1015 am
Estate Planning Costs of Silence Wills
Trusts Living Wills Estate
Taxes Noon Lunch 100 pm Your Retirement
Budget What you want What you have Is
there a gap? (projection calculations) 230
pm Break 245 pm Solutions for your Gap
Psychology of money Save more Change your
want Lower debt Work longer
(self-employment?) Tax Savings (Roth, Trad.
IRA, Etc.) Increase investment risk and be
comfortable Putting your own financial plan
together To do list and prioritize 400
pm End of Class
ABOUT THE SPEAKER...
Judy Snow privately owns Snow Cap Agency, Inc.,
she has over 20 years industry experience and 25
years as a public speaker. Ms. Snow is a
financial and estate planner who specializes in
working with federal employees. She and her
associates provide retirement and financial
planning seminars to federal employees on all
government benefits all over the United States.
Fort Collins, CO February 20, 2004 What
Financial Planning When Friday, February 20,
2004 Where Lincoln Center 417 West Magnolia
Street Cost 99 per person (Registered before
2/12/04) 125 per person (Registered on or
after 2/12/04) Registration Deadline
is February 16, 2004

• All attendees should bring
• Pocket Calculator
• TSP Statement
• Social Security Statement
• Investment Statements

• Leave Earning Statement
• PertinentFinancial Documents
• Pad of Paper and Pencil

Registration for class begins at 800 am, Class
begins promptly at 830 am. All other times are
approximations.