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The site is secure. Benefits Officers Training and Development is very happy to announce the availability of our first on-line course—CSRS Offset, dissertation consultation services financial. OPM's CSRS Offset training covers the major aspects of the CSRS Offset program from a benefits officer's point of view including:. Register for the course at our secure on-line registration site. OPM has dissertation consultation services financial a retirement financial literacy and education strategy for Federal employees.
The plan is designed to educate Federal employees dissertation consultation services financial the need for retirement savings and investment, dissertation consultation services financial, provide information on how to plan for retirement and how to calculate the retirement investment needed to meet their retirement goals.
Agency benefits officers have the primary responsibility to provide retirement financial education to their employees. The administration of the Federal benefits programs is decentralized, and day-to-day administration of the programs is handled by the employing agency.
Benefits officers currently provide information about dissertation consultation services financial Federal benefits to their employees. Using the tools and resources that OPM will make available to them will put them in a position to best meet the needs of their employees.
In order to meet the goals of this strategy, agencies will need to provide the support that benefits officers need. Subject to available resources, agencies will provide support so that benefits officers can meet the training requirements to fulfill dissertation consultation services financial responsibilities. Each agency must develop a retirement financial education plan based on the educational model in this strategy.
View BAL which provides guidance on developing a retirement financial education plan for your employees. The Thrift Savings Plan Open Elections Act of Public Law requires the Office of Personnel Management OPM to develop and implement a retirement financial dissertation consultation services financial and education strategy for Federal employees as part of the retirement training offered by OPM under 5 U. The implementation dissertation consultation services financial the strategy must educate Federal employees on the need for retirement savings and investment, and must provide information on how to plan for retirement and how to calculate the retirement investment needed to meet their retirement goals.
OPM is required to submit a report to the Committee on Governmental Affairs dissertation consultation services financial the Senate and the Committee on Government Reform of the House of Representatives on the strategy not later than June 21, Dissertation consultation services financial strategy outlined in this document fulfills that requirement.
This strategy is consistent with OPM's strategic plan to provide human capital leadership and services for all agencies, in a manner that blends and balances flexibility and consistency across the Federal Government. OPM has been implementing some of the programs described in this plan for the past several years.
This document pulls these programs together into a unified, comprehensive approach. Our financial education strategy is designed to provide employees with a framework for analysis and decision-making so that they can achieve their retirement goals. The focus of the strategy is to leverage the existing resources of agency benefits officers to broaden their focus in helping employees plan for retirement, dissertation consultation services financial.
The approach of the strategy is to set forth a model of financial education designed to improve the financial literacy of Federal employees, dissertation consultation services financial, and to create a system that allows employees to learn how to plan for retirement and how to calculate what their retirement investment should be in order to meet their retirement goals. The strategy outlines the roles OPM, employing agencies, and employees must play dissertation consultation services financial achieve these goals.
Clearly there is a need for the Government, as an employer, to develop a strategy to improve the financial literacy and education of our employees so that they can plan and achieve their retirement goals.
The Retirement Confidence Survey, published by the Employee Benefit Research Institute in Aprilprovides a picture of the American retirement saving problems. The survey reported that employees lack basic knowledge about retirement, dissertation consultation services financial, have given dissertation consultation services financial or no thought to how much money they will need in retirement, nor have even attempted to calculate the amount of money needed in retirement.
While the results of the Retirement Confidence Survey are for all workers, there is little reason to believe that the Federal workforce's retirement planning behavior is significantly different.
Only 42 percent of workers reported that they or their spouse have tried to calculate how much money they will need to save by the time they retire so they can live comfortably. One of the few bright spots in the survey was that 44 percent who did attempt to make a retirement saving calculation reported that they made changes to their retirement planning, as a result of doing the calculation.
Financial education can change behavior and educating employees on the need for retirement savings and investment can help in getting them to start setting and achieving their retirement goals. Workplace financial education benefits both the employer and employee. A more knowledgeable employee will result in better financial decisions and overall financial well-being. Employees who are taking maximum advantage of the benefits available to them will more likely have greater job satisfaction, which may result in lower turnover.
For the employer, research studies have shown that employees who are financially healthy are more productive. They are absent less often, spend less time at the workplace dealing with financial crises, and earn higher job performance ratings.
Kim 2 found significant relationships between financial satisfaction, personal finance-work conflict, organizational commitment, and pay satisfaction. Joo 3 dissertation consultation services financial that a higher level of financial well-being was associated with higher performance ratings, less absenteeism, and less work time loss. Research conducted at the National Extension Association of Family and Consumers Sciences at Iowa State University examined the link between financial education in the workplace and workplace satisfaction.
Moreover, the study found that employees gain confidence in financial matters and their future financial situation through workplace education, and are more likely to be satisfied with and supportive of their company.
Section of title 5, United States Coderequires each agency to identify a retirement counselor who is responsible to furnish information on retirement benefits designed to promote fully informed retirement decisions by employees of the agency. For the past decade OPM has used the benefits officers to describe the retirement counselor.
This term reflects the broader integration of benefits administration and the Human Resources Management GS occupational series established by OPM in December The Human Resources Management series dissertation consultation services financial a single specialty Employee Benefits for work that involves providing guidance and consultation to agencies, employees, former employees, annuitants, survivors, and eligible family members regarding retirement, insurance, health benefits, and injury compensation.
OPM is required to establish a training program for those benefits officers. The Thrift Savings Plan Open Elections Act of codified at 5 U. Dissertation consultation services financial officers must now also educate Federal employees on the need for retirement savings and investment and on how to calculate the retirement investment needed to meet their retirement goals. They must also provide information and counseling on the benefits the Federal Government provides and on how to plan for retirement.
The traditional approach to retirement education is for employees to attend a pre-retirement seminar one or two years, occasionally as many as five years, in advance of retirement. These seminars cover a wide variety of topics but the focus is primarily on the benefits that the employee will receive such as retirement benefits, continuation of health insurance, and life insurance options.
This training is too little, dissertation consultation services financial, too late. The Federal Employees' Retirement System FERS Act of radically changed the retirement planning needs for Federal employees.
Prior to FERS, employees dissertation consultation services financial little control over their government provided retirement benefits other than how long they worked.
An employee could wait until a few years before retirement to start retirement planning. FERS, and the availability of the Thrift Savings Plan TSP for both FERS and Civil Service Retirement System CSRS employees, changed the planning horizon.
Employees must now begin making decisions about their retirement goals as soon as they start their Federal careers. Employees covered under FERS have increased responsibility for retirement planning, since a significant-and for many employees the largest-portion of their retirement benefit will come from the TSP. The TSP is a critical element in their retirement plan. They can no longer wait until a year or two before retirement and attend a pre-retirement seminar to dissertation consultation services financial what their benefits will be.
It is not enough to know just the rules and investment options in TSP. Employees need to understand the need for retirement savings and start to plan early in their careers. They need to understand the basic principles of investing in order to best utilize the TSP to help them achieve their retirement goals, dissertation consultation services financial.
The number of FERS employees continues to increase. New employees, first hired afterare covered by FERS, and now FERS employees outnumber employees under the old CSRS by a ratio of 2 to 1. It is critical to have a strategy to assure their financial literacy so they can achieve their retirement goals.
This strategy is not an isolated effort. The Financial Literacy and Education Commission FLEC was established to improve financial dissertation consultation services financial and education among all Americans.
FLEC was established under Title V, the Financial Literacy and Education Improvement Actwhich was part of the Fair and Accurate Credit Transactions Act of P. FLEC is chaired by the Secretary of the U. Department of the Treasury. In addition to the Department of the Treasury, the following Federal agencies are represented on FLEC: the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, dissertation consultation services financial, Office of Thrift Supervision; the National Credit Dissertation consultation services financial Administration; the Securities and Exchange Commission; the U.
Departments of Education, Agriculture, Defense, Health and Human Services, Housing and Urban Development, Labor, and Veteran Affairs; the Federal Trade Commission, dissertation consultation services financial, the General Services Administration, dissertation consultation services financial, the Small Business Administration, the Social Security Administration, the Commodity Futures Trading Commission, and the Office of Personnel Management.
The Commission is tasked to encourage government and private sector efforts to promote financial literacy; to coordinate financial education efforts of the Federal Government, including the identification and promotion of best practices; and to develop a national strategy to promote financial literacy and education among all American consumers.
Our proposed retirement financial education strategy for Federal employees is consistent with the overall objectives of the National Strategy and cited as a potential model for other large employers to provide financial education to their employees. In addition to the national strategy developed by the Commission, numerous Federal agencies and non-profit organizations have undertaken initiatives to promote retirement planning and saving as well as overall financial education.
For example, the Federal Deposit Insurance Corporation FDIC has developed Money Smart, the Federal Reserve System has an internal program for its employees, and the Choose to Save public education program runs broad-based media messages.
The FDIC Money Smart program is a curriculum intended to help consumers understand the basics of banking, with modules on topics such as bank services, dissertation consultation services financial, credit, budgeting, savings, credit cards, loans, and homeownership. The program can be taught in its entirety, or specific modules can fill in the gaps in other financial education programs.
FDIC offers the program free to banks and others interested in sponsoring financial education workshops. The Federal Reserve System has an internal program for its employees that is designed to increase employees' understanding of how employer-sponsored benefit programs can contribute to short- and long-term financial well-being and to improve employees' knowledge of basic financial concepts and their capability to make personal finance decisions.
The program includes lunch-time seminars, dissertation consultation services financial, morning or afternoon programs, and articles and educational materials in its internal electronic newsletter, dissertation consultation services financial. There is also an internal website designed to improve employees' knowledge of finance, dissertation consultation services financial, benefits, health, and career development issues.
The Choose to Save public education program is beginning its eighth year promoting the idea that saving today is vital to a secure financial future.
It is a program of the Employee Benefit Research Institute and its American Savings Education Council. This Award-wining program uses the full spectrum of media across the Nation: television, radio, dissertation consultation services financial, print, Internet, transit rail and bus ads, and conferences to carry the Choose to Save message.
Public service announcements, originally developed for Washington, DC metro-area radio and TV stations, now run in 49 States as well. The OPM retirement financial education strategy is based on a model of financial education that brings together information and training on the Federal benefits programs with a broader holistic approach about what information employees need to know in order to set and achieve their retirement goals.
This strategy broadens the focus of pre-retirement education in Federal agencies. Our education model underlying this strategy brings together the basic information about the benefits provided by the Government, as an employer, and the broader financial education needs of employees.
Rather than being a "near retirement" event, the strategy considers retirement financial literacy and education as a career-long process.
The strategy is based on a model that incorporates the broad range of information employees need to be aware of and understand, in order to make informed retirement planning decisions. It also recognizes that these needs change as a person moves through his dissertation consultation services financial her career. Some of the needs are met completely or in large part by employer provided benefits programs.
For example the CSRS, FERS, and TSP may provide a substantial portion of a retiree's retirement income.
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