Quick Guide for Federal Employees FedHR Navigator Employee … Navigator Quick... · ·...
Transcript of Quick Guide for Federal Employees FedHR Navigator Employee … Navigator Quick... · ·...
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QuickGuideforFederalEmployeesFedHRNavigatorEmployeeCenter
ContentsHow to access your account in FedHR Navigator ......................................................................................... 2
Employee Center* ......................................................................................................................................... 6
Working with Forms ...................................................................................................................................... 7
Completing on‐boarding forms ................................................................................................................. 7
Preparing new forms ................................................................................................................................. 7
Case Tracking in FedHR Navigator ................................................................................................................ 9
To view your cases .................................................................................................................................... 9
Add a step from Case Information .......................................................................................................... 10
Creating a case with a document in EC ................................................................................................... 11
Retirement Planner ..................................................................................................................................... 12
Entering Social Security ........................................................................................................................... 14
Create New Scenario Screen ................................................................................................................... 15
Financial Planner ..................................................................................................................................... 19
Retirement Savings ............................................................................................................................. 19
Retirement Goal .................................................................................................................................. 22
Scenario Summary .............................................................................................................................. 23
Will I Meet My Goal? .......................................................................................................................... 23
Adjustments to Meet Your Goal ......................................................................................................... 24
More Detailed Results ............................................................................................................................. 28
Income and Withdrawals .................................................................................................................... 29
Applying to retire ........................................................................................................................................ 30
Tutorials—Financial & Retirement Literacy in FedHR Navigator ................................................................ 34
To gain access to these valuable learning aids ....................................................................................... 35
To leave Tutorials and return to FedHR Navigator Home screen: .......................................................... 36
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Welcome to the EconSys FedHR Navigator Employee Center. This program has been provided by your
agency to help you manage your retirement benefits and your finances as these relate to your federal
employment, to include planning for your post‐retirement income needs. The scope of functions and
analysis available to you will depend on the subscription specified by your agency. This guide covers most
of the typical EC functions that may be included with your agency’s configuration.
HowtoaccessyouraccountinFedHRNavigatorEconSys now uses a “multifactor” login for username/password access, in order to comply with the strict
requirements of FedRAMP, under which we currently operate. FedHR Navigator employee records are
maintained on a “cloud” server that meets stringent federal security requirements for personally
identifiable information (PII), to protect the data of our customers. PIV/CAC access is multifactor.
Multifactor login for username/password access requires that the user receives and enters a second
code to verify his or her identity. In FedHR Navigator this second code is sent to a mobile phone that is
capable of receiving and displaying text messages. It can only be used one time, and must be entered
within a set time period, which currently is 15 minutes.
Most agencies also employ the PIV or CAC
access option. The agency processes the
PIV entry and sends it securely to EconSys.
If EconSys “trusts” the customer’s
certificate we will promptly allow access.
If not, generally the user agency needs to
renew a certificate or make PIV/CAC
settings adjustments.
Username/PasswordregistrationandloginEach agency has a unique URL (internet
address) for FedHR Navigator. Your agency
will furnish the URL you need to enter. If
you get a message asking for your “agency
code,” actually you have not used the
correct URL, or you used copy and paste.
We recommend that you type in the URL
and then bookmark the login screen.
At right is part of a login page. Note the
blue tab is selected. It reads “Username
and Password.” Beneath the “My Agency”
field are two links. New users should click on “Register.”
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Tip: As you move from screen to screen in FedHR Navigator, do not attempt to use your browser’s
“back button” to return to a previous screen. Stay within FedHR Navigator and move from screen to
screen by making selections from the left or right side menu or by clicking “Done,” “Next screen,” etc.
When you click on “Register” a screen titled “Step 1: Find your user account” will open. Follow screen
instructions and click on “Submit.” If your information has been correctly loaded into your agency
records and you enter it correctly in this screen, you will bring up the next registration screen. If not, you
will need to check your work, and if that is correct, advise an HR specialist that your FedHR Navigator
employee record may not be correct.
In “Step 2: Update profile Information,” you will create a username and password and enter your email
address and phone number on the tabs shown in the next few screens. At any time in the future if you
cannot remember your password or have changed your email or phone number, click on “Reset User
Account” on the login screen to come back to this step and make the changes you need.
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The steps to follow are depicted on the bar where the arrow is pointing.
In the “Password” step, be sure to follow all password security conditions, including the required
number of characters needed for a “strong” password.
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NOTE: If you are registering for the first time, or have a new email address, you will be required to
verify the email address by entering a “Verify Code” that will be sent to that email account. If this
does not arrive within a few minutes, check your SPAM and “trash” folders for the message from
EconSys. If not there, consult your IT support for possible firewall or other electronic blocks that are
keeping the message from arriving.
The mobile, or cell number you enter must be a phone on which you can receive text messages. If you
do not have such a phone you will not be able to use the username/password method to access FedHR
Navigator. This text message capability is part of the required “multifactor” login, to ensure the security
of the personally identifiable information (PII) stored in FedHR Navigator files.
UsingPIV/CACtologintoFedHRNavigator
The preference for many agencies for access to FedHR Navigator is secure login by using the PIV card (or
CAC in the Department of Defense). For this access there is no secondary code requirement. If the PIV
settings are correct and the correct PIN is entered for the
corresponding card, access is quick and easy. Here is the
PIV/CAC tab on the login screen:
The first time you choose “Login” the system will register
you by having you enter last name, date of birth, and
Social Security number. If these all match and the PIN is
correct, you will be registered for PIV/CAC access.
After registration, in most agencies you will sometimes
have a choice of “certificates” to select from on initial login
each day or after logging out of the browser. Make sure
the certificate you choose is not out of date. You may find
that only one of several valid certificates will work
regardless of the date. Once you choose a certificate that
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does work, you will be asked for your PIN. If you enter that correctly you will be logged on promptly.
PIV access is controlled by each agency and not by EconSys. If you have difficulty with access, first close
and reopen your browser—this clears the problem in most cases. Also, make sure you are using the
correct URL, which you may have to type in, character by character. You may contact
[email protected] for help, but most likely we won’t be able to assist and will refer you to your own
agency PIV authority for assistance.
EmployeeCenter*This is the first screen you will see when you have logged in to your own account in FedHR Navigator.
The menu options on the left side will depend on the features your agency has selected. If you see this
“EBC” screen* you will also see the “Retirement Planner” both on the left side menu and under
“Retirement Benefits” on the right side of the screen.
Note: This is the entry screen in the Retirement Calculator module of FedHR Navigator. This calculator
is part of the Retirement Planner. The “Current Benefits Enrollment:” section will vary according to the
setup specified by your agency.
* The screen for employees to see their accounts in FedHR Navigator used to be called “EBC.” Now it is officially
called “EC,” for “Employee Center,” but the system screens have not been changed to reflect this.
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WorkingwithForms
Completingon‐boardingformsClick on “My Forms” on the left side FedHR Navigator menu. Your folder of on‐boarding forms will
appear. When you have completed the forms in the folder, click on “Submit.” (You should also receive
instructions from your Human Resources Office regarding completion of your on‐boarding package of
forms.)
PreparingnewformsClick on one of the choices under Additional Options (right side of My Forms screen) to prepare new
forms in new forms folders.
For example, if you wish to create a new benefits forms folder, click on “Change or Enroll” on the right
side menu, and at the bottom of the next screen click on “Create New Benefits Folder.” This will call up
the Benefits Forms Selection screen.
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1. Click on a topic, such as “Designate beneficiary for your retirement fund” to display individual
forms with selection check boxes.
2. Select the desired forms on the Benefits Forms Selection screen (shown above).
3. Click “Next Screen” to see the Folder Contents screen with your new folder.
4. Click on any specific form. Follow screen instructions. To edit or review individual forms, follow
the instructions on this screen. Click “Save” on the form to save your work.
NOTE: Be sure to use the form navigation and printing buttons at upper right on the form.
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5. To return to My Forms, click “Done,” or select a new activity on the left side FedHR Navigator
menu.
CaseTrackinginFedHRNavigatorSome agencies use FedHR Navigator “Case Tracking” to track the processing of HR actions initiated in
FedHR Navigator and to display all actions concerning the individual who logged in.
On the left side FedHR Navigator menu, click on “My Cases.” To find a particular case, select your search
method by using the drop‐down menu, shown here.
Toviewyourcases1. Select a case by clicking on the Tracking Number on the left end to view details.
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2. Case information is displayed on the left side, including a button for case history. From the
“Case Information” screen you can open case forms under “Forms Folder” at the right side. If
the specialist who assigned the case to you wishes you to take certain actions, these will be
explained at “Comments for Employee.”
Note: If there are comments, you will see them. If a case is completed, it will show as “closed.”
AddastepfromCaseInformationClick on “Add Step” The “Add Detail/Step” screen displays. Choose whether or not you wish to receive
an email notification when you add the step, select the step from the “Detail/Step” drop‐down menu,
add any necessary comments and attach documents as needed.
Then click “Save,” or if you decide not to complete the action, click “Cancel.”
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CreatingacasewithadocumentinECIf this FedHR Navigator option is chosen by your agency, you can also create a case in “Case Tracking”
with a document (e.g., proof of marriage or birth of a child) submitted from the EC (formerly called
“EBC”).
Click on “Open New Case/Ask HR” in the left side menu.
The “Open New Case/Ask HR” screen opens.
Then do the following:
1) Select one of the options available (e.g., Benefits) under the "Case Type" drop‐down menu.
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2) Select one of the options available (e.g., "Process Forms") under the "Activity" drop‐down menu.
3) Enter any instructions or questions for HR in the box “Comments.”
4) If you wish to send a document in connection with a case, click on "Browse" next to the "Attachment,
if any" field and attach the document.
5) Click on “Save and Next Screen” and the case is submitted to the HR office. If you chose to include a
document, it will be attached.
RetirementPlannerOn the Employee Center screen, click on “Retirement Planner” on the left‐side FedHR Navigator menu or
on the right side under “Retirement Benefits.” Screen instructions guide you through options available
to you.
For additional guidance on using the retirement calculator and preparing scenarios click on “Help” on
the left‐side FedHR Navigator menu and find the links to the Retirement Calculator Employee Users
Guide and the Employee Tutorial.
Click on “Enter Historical Data >>”
The “Federal Service” screen will open. If you wish to view your Salary History screen, click on that first.
Then come back to this screen and enter the information called for, checking the applicable service type
buttons.
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RetirementPlannerScreen
When you have completed this screen click on “Next Screen” to come to the Social Security, Spousal
Social Security, and Thrift Savings Plan (TSP) screens, in turn.
Social Security and TSP are important components of total income for most retirees, particularly if they
retire under FERS. You should obtain the needed account information and enter the details in these
screens. You will need Spousal Social Security only if your spouse’s Social Security will be a component
of your personal income. Your Social Security earnings and TSP account information may be obtained
from the websites of the Social Security Administration and the Thrift Savings Board, respectively.
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EnteringSocialSecurityYou may access the Social Security history page at any time by clicking on the Social Security link on the
upper right side menu. You will see a screen that looks like this:
While the earnings years should be prompted for you, it is likely that you have had Social Security
earnings in other years outside the range that is generated. You can easily add these by clicking on “Add
Rows” and entering the correct first and last years of the rows to be added. To delete rows, check the
“Del” box at the left and then click “Delete.” In the “Earnings” column enter the earnings actually
reported to the Social Security Administration for each year in which you had reported earnings of any
type or amount. FedHR Navigator uses the same calculation method used by SSA and if you enter an
accurate history your projected benefit will be quite accurate in turn.
If you don’t have the information needed for this screen, click on the link above called “I don’t know my
year‐by‐year earnings!” This will open a screen where you can enter the credits you have earned (four
for each year in which you had reported earnings) and your current salary. The calculator will project
from those values and provide a very general estimate of your Social Security benefit. The chances of
such an estimate being wrong are quite high, but it will provide some idea of the benefit for you.
Note: if an HR specialist has
already entered SS history
in your account these fields
will contain values, but you
should check them for
accuracy.
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CreateNewScenarioScreen
RetirementOptionsIf you chose “Advanced Options” at the bottom of the Create New Scenarios screen, you will be
prompted to make entries in screens that cover the various options and benefits you will choose for
your retirement. The more information you add, the more useful your estimate is going to be for you.
The next few screens depict the options and the choices a typical federal employee might make. Notice
your progress on the right‐side menu. Later you can come back and try making changes, to see the
effects on the estimated chances that will reach your retirement goal.
To keep things simple we will assume there is no spouse in this scenario. Show “single” on the first
option screen, Survivor Benefits.
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Next, find your latest TSP statement and go to the Thrift Savings Plan screen.
Don’t forget to enter your future contributions. If your first scenario to determine whether you will
meet your post‐retirement income goal is too low on the first try, you might come back and see the
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effects of increasing your TSP contributions on a second trial. The Retirement and Financial Planning tool
allows you to try unlimited “what‐ifs” to see what it will take to meet your goal.
Set the annuity options at the bottom of the TSP screen (next page). While there are many ways you can
choose to take your TSP distribution (withdrawals), we use the commercial annuity method as an
assumption because it is convenient for making comparisons. This assumption does not mean we
recommend the annuity option over any of the others. You should visit the TSP website (tsp.gov) for full
information on the various distribution options.
You can see the effects of making or not making prior federal service deposits or redeposits on the next
screen. While you can get credit for certain earlier deposit service without making the payments before
retiring, usually it will reduce your annuity by what is called an “actuarial reduction.” However,
depending on when the service was performed you may lose the service for annuity eligibility or
computations if a deposit or redeposit is not made. Try different decisions, using the YES/NO toggle
buttons in the left column.
Once you have set your retirement goal (we will come to that), you can come back to the
Deposit/Redeposit Decisions screen by clicking on the right side menu, then immediately see the effects
of changes by clicking on “Likelihood to Meet Retirement Goal.”
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SickLeaveProjectionoptionThis final scenario option enables you to give the
calculator information that affects how much
credit for unused sick leave may be applied to
your retirement computation.
Enter your estimates for the average annual
amount and total sick leave you anticipate using
prior to separation.
Now it’s time to take a look at your retirement benefits, based on the options and choices you have
made. Remember: The Retirement Calculator is preparing an estimate based on the information
provided by you and your agency. The only official retirement annuity computation will be that
provided by the Office of Personnel Management.
MyBenefitsEstimate
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FinancialPlannerNow proceed to “Continue Planning,” and the next screens will provide blanks for information about
your retirement savings, to see if your total expected resources will meet the financial goals of your
retirement plans.
Note: In this next section you are going to be asked to enter personal savings information. Your
information is your private business, and because of that, no one else will be able to see it.
RetirementSavingsNow you will show other sources of retirement income the Planner doesn’t know about yet.
The following screens provide for your sources of income other than your federal retirement annuity.
We have provided a number of categories, but you may have to be a little bit innovative in order to
include income sources we have not shown. For example, a taxable source you may be counting on is
some personal property, such as equity in a house, or perhaps a boat you own. You might have paid
$40,000 some years ago, and let’s assume you believe you could get $25,000 for it now, but you still
owe $7,000 on it. Subtract the money you owe, and then be conservative because this is a “non‐liquid”
asset, that may or may not provide the funds you estimate. You might say it will be worth $8,000 net
cash to you after you sell it. If you have another pension, you can enter the total value of that pension
from now until the end of your life expectancy (currently OPM uses 85). You can show cost of living
adjustments by adding some interest.
For investment and bank savings you need to indicate how these are allocated. A bank savings account
would be “cash,” but you can see the other categories we have provided, for non‐liquid assets.
Risk allocation is a suggestion of typical ways that investments are diversified, according to risk levels
you can choose. If you know the exact allocations and wish to enter them, you can choose “Custom”
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and make your own entries into these fields. Since you may change the allocation (typically to more
conservative investments) when you retire, we have provided a second area for this adjustment.
We will display some retirement savings samples.
Sample1
Sample2
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Sample3
There is another type of retirement savings called “Non‐taxable Savings.” This might be tax‐exempt
municipal bonds, for example. Anything for which you would not have to pay income tax or capital
gains tax when you liquidate it can fit this category. If you want to include equity in your house as a
retirement saving, then up to a certain point it is “non‐taxable,” under current tax laws. But you need to
keep up with IRS rules before you make this assumption.
The next screen, “Retirement Savings,” depicts a summary of the savings you have entered (next page).
You can return to the entry screens for any savings item to edit it by clicking on the underscored title of
the account at left (arrow).
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RetirementGoalNow you are ready to set the goal you feel you need to live on in retirement. The Planner will compare
your projected income stream to the goal you set here.
You can come back to this screen repeatedly if you feel you have set your requirement too high or too
low. How you set this goal may be complex. You should consider costs that you expect to diminish in
retirement, such as mortgage, assistance to your children, clothing and commuting costs associated with
working full time, etc. Also, you probably won’t be making the savings contributions any longer, which
will reduce your income needs. Yes, even boat upkeep, when you sell that lovely boat! Another
consideration is post‐retirement employment. Perhaps you want to take on a part‐time job, or even
launch a second career when you leave federal service. To illustrate how the Planner works, we will
assume that you decide you will need 75% of your current income in retirement.
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ScenarioSummaryAfter you have set your life expectancy you will be able to move on to the Scenario Summary screen.
Check over the information to be sure this is what you want to see in your retirement plan. If not, you
can navigate back to make changes by clicking on the screens on the right‐side menu.
WillIMeetMyGoal?At last you get to see how your assumptions, choices, and projected income sources come together
toward meeting the goal you have set. The calculator is taking everything into account.
In our example we discover on the first try (to our horror) that we have only a 25.7% chance of meeting
the retirement income goal we set, which was 75% of our current income. But don’t be discouraged!
On the first try it is good just to show greater than 0% chance of achieving 100% of your goal. But we
do want to reach a much higher level of confidence than 25 percent.
Click here
…or here
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NOTE: The percentage shown is not how much of your goal you will reach. It is an estimate of the
chances that you will reach 100% of your goal, given that many unforeseeable things will happen.
AdjustmentstoMeetYourGoalThis is where the real power of the Retirement and Financial Planner comes into play. You can now go
back and try making changes to see how you can increase your chances of reaching this goal….or, you
can lower the goal if you like. You will find that increases in savings will help, but in the example here
you find that the most “sensitive” variable is your own date of retirement. Your earliest date for
retirement is, after all, pretty young. So you try working just four years longer, when you still will be
well under age 60 (the employee in our illustrative case will be 60 in 2020). That’s not bad at all!
You go back to “My Scenarios” on the left‐side menu, and make a copy of “Early retirement,” then open
it and modify the description (title) so you can tell what it is. You can also delete obsolete scenarios
(see arrow, next page).
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Add some description too, to help remind you of the reason:
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Then click on “Retirement Options” on the right side menu. On the Retirement Options screen, uncheck
“Earliest available” and check the button for “Other Retirement Date.” In the blank field, enter your
later date of 5/31/2020, and click “Next.”
Then go back to view the My Benefits Estimate screen. See how this four‐year deferral has changed
your retirement benefits?
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OK, that looks pretty good. Your total annuity after all reductions will go up to $3,961 per month
without making any other changes in your options. Previously it was $3,538. That $423 increase may not
seem like much, but look how it improves your chances of meeting your goal. Below is the new Will I
Meet My Goal screen and there is an 85.2% chance that you will reach 100% of your goal! That’s
considered a very high likelihood in statistical terms.
Of course this was more complex than simply increasing your annuity. One of the other factors the
calculator looks at is that you are four years closer to the end of average life expectancy. That’s a little
morbid, but in retirement planning everything pertinent must be considered.
More reports and charts are available to you, and you may wish to explore these for a greater
understanding of how the Planner works. While there is much going on behind the scenes, the reports
show you all the details. If you are the analytic type, you will find this level of detail fascinating because
you will be able to see where the variables are most influential in reaching or not reaching your goal. If
not, you can simply keep doing “what‐ifs” until you find the combination that works for you. In any
case you will see a realistic estimate of what you will need and what you can expect in retirement from
your federal employment.
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MoreDetailedResultsTo see the various additional reports and charts we have provided, click on “More Detailed Results” on
the left side menu. Shown here is just the top of the first screen that you will see. Another screen
available is “Income and Withdrawals,” with its table (next page).
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IncomeandWithdrawals
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ApplyingtoretireIn My Forms, click on “Apply to Retire” on the upper‐right menu.
The Retirement Forms screen appears (right). You may
choose which type of retirement applies, and click “Create
New Retirement Folder.”
The eRetirement Application Program screen opens. This
provides a streamlined, user‐friendly means for you to
complete the initial forms you will need to commence your
retirement process.
Follow the instructions on the eRetirement Application Program screen. Note the “Help Center” in the
upper right corner of the screen.
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If you enter an expected retirement eligibility date that is too early, FedHR Navigator will return a
message that you are not eligible. However, if you are eligible to retire with an immediate un‐reduced
annuity on the date you enter, FedHR Navigator opens a short screen interview that is similar to some
automated tax preparation software.
The first screen, for example, concerns your personal information. Most of it will already be entered and
you only need to check it for accuracy.
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Click “Next Screen” to advance through the questionnaire, selecting your preferences and entering
information that is requested. Some of the screens will already contain information about you, and you
simply check it over to ensure it is correct. Screens in the questionnaire include the following:
Your Personal Information (shown above)
Your Retirement Information
Post‐retirement information
Information about your spouse
Survivor Benefits
Direct Deposit Information
Military Service
Tax Withholding
Federal Employee Health Benefits (FEHB)
Federal Employee Group Life Insurance (FEGLI)
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Other Information
Long Term Care
When you are done, FedHR
Navigator will prepare an
eRetirement forms folder in My
Forms. Check and correct the
information in these forms as
necessary and click “Save” on
each one. When you are done,
click “Submit Folder.” If the
“Submit Folder” option does not
appear on your screen, advise
your HR retirement benefits specialist that you have completed eRetirement and checked the forms.
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Tutorials—Financial&RetirementLiteracyinFedHRNavigatorThis section, Tutorials—Financial & Retirement Literacy in FedHR Navigator, describes a powerful
instructional tool that is included for your benefit in FedHR Navigator. Explore these tutorials, which
cover a broad range of issues bearing on your personal finance and retirement. You will find them
clearly presented and designed to explain complex issues in laymen’s terms instead of legal jargon.
There are many topics in these presentations, but you shouldn’t feel overwhelmed! You can pick and
choose, and come back to these tutorials whenever you feel you have a little spare time to boost your
understanding of the issues, or when you have a specific issue you need to understand better.
The Financial and Retirement Literacy tools include the following:
eSeminar ‐ a set of comprehensive retirement and financial planning presentations that utilizes eLearning technology to enable users to understand the subject matter well. Topics are covered in manageable segments and are accessible any time through the Internet.
eBenefits Orientation—short selectable discussions of retirement topics in PDF form plus audio narration.
Retirement Planner ‐ an interactive financial planning calculator that helps employees determine whether they are on target to meet their retirement income goals. It incorporates private funds, such as Roth IRA, and income from a non‐Federal employee spouse.
Retirement Planner
eSeminar eSeminar Orientation Retirement Info
Benefits Statement
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Togainaccesstothesevaluablelearningaids:
On the left side and right side FedHR Navigator menus click on either various learning aids as illustrated
above. In some cases this will open a new “tab” in your Internet browser.
Navigation in eSeminar
Use the left‐side menu to open major eSeminar topics. To illustrate, one topic, FERS Retirement, is
shown here (next page).
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ToleaveTutorialsandreturntoFedHRNavigatorHomescreen:Close open extra tabs on your browser and click on “Close eSeminar” at lower left side of the initial
screen. From Retirement Planner, close the tab on your web browser.