RPS believes it is wise for the public to become educated about and stay current on financial conditions, trends, and opportunities. We conduct about 100 training classes each year covering these subjects:

• Pre-Retirement Planning
• Mid-Career Planning
• Financial Planning
• Personal Finance

To assist in the public education process, we have gathered a variety of materials from our years teaching these classes and posted them below for site visitors to download.

We update the contents of this page regularly, so please bookmark this page and check back frequently.

General Financial Planning
2013 Important Numbers Available now!
Understanding FDIC Coverage
Personal Budgeting Spreadsheet (.xls)
Safe Harbor for Vacation-Home Exchanges (The Washington Post)
Asset Allocation Charts - Federal Employees
Married Federal Employee with non-Federal spouse - FERS Pension
Single or two married Federal Employees - CSRS Retirement

Annuity Income versus Stock Portfolio Income Analysis

Asset Allocation Chart - Private Industry
Various age groups - no defined pension

Get Your Free Credit Reports Now!

Can You Afford to Retire?

Medicare Drug Benefit Calculator

Financial Planning Web Sites

Life Insurance Worksheet  

Portfolio Management
Blank Inactive Portfolio Management Spreadsheet
Example of How to Use the Inactive Portfolio Management Spreadsheet
Joint Asset Allocation Plan Example  

Mortgage and Refinancing
Fixed vs. Adjustable Rate Mortgages
Mortgage Clauses
Choosing A Mortgage
Refinancing
Refinancing and Home Equity Loans: Tax Considerations
Reducing the Cost of Debt
Should You Refinance Your Mortgage?
Mortgage Payoff Calculator

Planning for College: Tuition Funding and Other Information
College Board releases 2011/2012 college cost figures
Expected Family Contribution (EFC) Formula Guide
Application for Federal Student Aid (FAFSA)
Estimating College Costs
College Saving Options
Saving for College and Retirement
Financial Aid
Managing Expenses During the College Years
Education Tax Credits and Deductions
Online Search for Information about Colleges and Universities
Federal Financial Aid Treatment for Coverdell ESAs  

Learning About Investing
American Association of Individual Investors (AAI) - Monthly Magazine
Vanguard Group
Investment Company Institute - Understanding Mutual Fund Breakpoints.

Useful Calculators
Portfolio Withdrawal
Reaching Your Investment Goal
Saving for College

Recent Media and News Events

Military and U.S. Government News
Federal Employees: Are you in the right retirement plan?
Veteran Educational Benefits and Unemployment Compensation Benefits are Expanded

Reducing Debt
Bankruptcy Means (Income) Test—Chapter 7 vs. Chapter 13
Bankruptcy Abuse Prevention
About Home Equity Loans
Reduce and Eliminate Credit Card Debt
Resources to Help with Reducing Debt
A Comparison of the Affects on your Retirement Income of having Mortgage versus No Mortgage Debt in Retirement

Retirement-Specific Information
Phased Retirement
To Roth or Not to Roth in your 401 K Plan
Rollover More Pension Plans into a Roth IRA
Boost IRA Savings with Catch-Up Contributions
Catch-up Contribution Considerations
Rollover Guide for IRAs
Broadridge Forefield Alert: New Social Security Figures for 2007
Ten Steps to a Secure Retirement
Financial Report Card Spreadsheets

Estate Planning
More Than Just a Will
Insurable Interest Survivor Annuity

Unmarried and/or Same Sex Partners Information
Planning Concerns of Unmarried Couples
Domestic Partner Agreements
Money Issues That Concern Unmarried Couples
Insurance Issues That Concern Unmarried Couples
Property Ownership Issues That Concern Unmarried Couples
Special Considerations for Gay and Lesbian Couples
Parental Rights Issues That Concern Unmarried Couples
Estate Planning Issues That Concern Unmarried Couples
Tax Issues That Concern Unmarried Couples

Long Term Care Information
Prepare for Incapacity - 2009 Alzheimer's Report
Analysis of 55 Year Old Delaying Purchasing LTC until Age 65
Analysis of 60 Year Old Delaying Purchasing LTC until Age 65

Get a quote for Long Term Care Insurance.  We provide access to quotes as a free, no-obligation service to you. Retirement Planning Services, Inc. receives no compensation, financial consideration, or referral fees from these companies.
MAGA, Ltd.
Metropolitan Life Insurance Survey of LTC Costs

Humor
Where to Live after Retirement?

Recommended Readings
Leveraged to the Hilt, by "Professor Bill" Keating - clearly written guide to reducing and eliminating credit card and other debt.  
John Bogle on Investing - The First 50 Years, by John C. Bogle - wisdom from the founder and former CEO of Vanguard Group.
How to Retire Happy, by Stan Hinden. (Foreword by John Bogle - Founder of Vanguard Group.)
The New Woman's Guide to Retirement Planning, By Martha Priddy Patterson.

Recommended Journalists
Stan Hinden

Got a comment? We'd like to hear from you. Send us an email.

RPS is a registered investment advisor for Virginia, Maryland, and the District of Columbia. This web site is not a solicitation to sell investment advisory services outside those areas, except where such registration is not required. This site is for information only and should not be construed as a vehicle to deliver advice for any investor or individual. RPS delivers advice only after we provide clients a copy of our registration document (FORM ADV) and our contract has been executed. Information throughout this site pertaining to market or other financial data is obtained from sources that RPS considers reliable. RPS does not warrant or guarantee the timeliness or accuracy of this information. References made to investment or portfolio performance are based on historical data, and there is no guarantee of such performance in the future.