Federal Employee's Resource Center

Retirement Planning Services is an educational company that primarily provides professional pre-retirement, mid-career planning and financial planning training seminars to US Government agencies throughout the country. Retirement Planning Services is led by Gerald A. Cannizzaro, president.

As part of Mr. Cannizzaro's  30+ years of experience in the financial advisory and investment research fields, he  is considered an expert on the Federal Retirement and Benefit programs.   He has conducted over 700 seminars for Federal employees since 2000.  From Laurel to Fort Meade to the Washington Navy Yard to New York and to San Francisco, Mr. Cannizzaro has visited over 30 agencies, including: DOD, DOT, Justice, The Executive Office of the White House, HHS, NIH, Secret Service, FDA, SS, NRC, FCC, FTC and many others in this 13-year period.  He has also conducted seminars for a number of Federally-related conferences throughout the US. His expertise and advice is frequently solicited by news and print media on a large range of Federal Benefit issues and topics.

Mr. Cannizzaro is a financial planner with Ticknor, Atherton & Associates in Reston, VA., a Fee-Only, NAPFA Investment Advisory firm. He does accept new clients on an AUM, Assets Under Management, compensation & service basis. 

Planning Documents
  • Financial Report Card Planning Tool
    Work with this RPS Excel workbook to develop your 1) Personal Net Worth Statement; 2) Retirement Income Comparison; and 3) Retirement Expense Comparison
  • Can You Afford to Retire?
    Commentary by Karen P. Schaeffer, CFP, Courtesy The National Institute of Transition Planning, Inc. 
  • Joint Asset Allocation Planning Tool
    RPS Excel worksheet that provides sample Joint Asset Allocation Plan (One Federal & one Non-Federal Employee) as a template to determine your own asset allocation
  • Asset Allocation Charts - Federal Employees & Private Industry
    Sample allocations for Married Federal Employee with non-Federal spouse & FERS Pension; Click here
    Single or Two married Federal Employees & CSRS Retirement; and Private Industry various age groups with no defined pension. Click here
  • Phased Retirement for Federal Employees
    This RPS analysis explains this new program that allows Federal workers to retire from part of their employment, while continuing the remainder and continuing to earn additional retirement benefits proportionately based upon the additional less-than-full-time employment.
  • Catch-up Contribution Considerations for Federal Employees
    This RPS analysis provides an overview of IRS rule changes that allow Federal workers, aged 50 or over, to make "catch-up" contributions to their individual plans.
  • Federal Employees: Are you in the right retirement plan?
    (Commentary by Bob Braunstein, Federal Retirement Benefits Counselor, Courtesy The National Institute of Transition Planning, Inc.:

Tammy Flanagan (Weekly Column)

Tammy Flanagan is the Senior Benefits Director for the National Institute of Transition Planning, Inc. which conducts Federal Retirement Planning Workshops and Seminars. Ms. Flanagan has spent 25 years helping Federal employees take charge of their retirement by understanding their benefits and planning for the future. Since January 2006 she has been writing a weekly column for Government Executive on the many topics related to planning for retirement.  They are reposted here for ease of reference. For a complete listing of her commentaries see www.govexec.com/voices/tammy-flanagan/2340/.

  • Neither CSRS nor FERS
    There are lessons for all federal employees from those in an oft-overlooked system.
    (February 05, 2015)
  • Beware of Scams
    Fraudsters are waiting to separate you from your retirement savings.(December 18, 2014)
  • The TSP by the Numbers
    A snapshot of the $431 billion federal retirement investment plan.
    (December 11, 2014)
  • Trick or Treat
    Of pay raises, COLAs and other spooky subjects.
    (Thursday, October 30, 2014)

  • Ready, Set, Go
    Be sure you have all your ducks in a row well before your retirement date.
    (‎September ‎18, ‎2014)
  • Retired and Rehired
    If phased retirement isn’t for you, there are other ways to keep working for government after retiring.
    (September 04, 2014)
  • Take Charge of Your Retirement
    A look at your responsibilities in the retirement process, along with those of your agency and the Office of Personnel Management.
    (May 08, 2014)



In the Know
"In-The-Know" is a monthly e-newsletter column produced by the National Institute of Transition Planning (NITP).  It is written by experts on topics of interest to Federal Employees. The subjects vary from the latest Congressional legislation and its impact on Federal retirement benefits to tips on your finances and health and well being.   Recent newsletters are included here for ease of reference.  For more information on the National Institute of Transition Planning—and for all archived newsletters—visit their website at  www.nitpinc.com/newsletter.

ClearLogic Financial
11107 Sunset Hills Road, Suite 220 | Reston, VA 20190
Phone: 703-476-3521 | Fax: 703-991-9191
Email: Gerald@ClearLogicFinancial.com
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