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Federal Employee Handbooks

The Links below are printable versions of our training books.  The training manuals are the property of Innovate Financial, Inc. and are for federal employee use only.  Mike Nakashima is a Chartered Federal Employee Benefits Consultant and can present this information to your agency.  Call (612) 824-1107 for more information.

We offer free live training webinars for all of these subjects.  Click here for upcoming dates. 

  • FERS Federal Employee Retirement System  FERS Federal Employee Retirement System Book. Includes: FERS Pension and Survivor Pension, Thrift Savings Plan (TSP) and Retirement, Federal Employee Group Life, Federal Long Term Care Insurance, Social Security and Medicare. Special Section in back of book for Special Groups: Law Enforcement Officers (LEO), Air Traffic Controllers (ATC), Firefighters (FF).

  • FERS Special Groups: LEO, ATC, FF FERS Law Enforcement Officer (LEO), Firefighter (FF), and Air Traffic Controller (ATC) Pension Calculations, Special Supplement Rules, and the Pension Survivor Benefit. Calculating the cost and benefits. Also includes: Thrift Savings Plan (TSP)Section, Federal Employee Group Life (FEGLI), and more.

  • Social Security Timing Workbook For FERS receiving Social Security, or CSRS if you qualify, this is a good book to read so that you understand Social Security, spousal benefits and your various options.

  • TSP: Thrift Savings Plan Guide Helping to understand the TSP investment options, the Roth TSP, and your options with the TSP at retirement. The TSP guide also includes information about age 59 1/2 In-Service withdrawal rules, information about Required Minimum Distributions (RMD's) at age 70 1/2.

  • The CSRS Pension and Survivor Benefits Calculating the Civil Service Retirement System (CSRS) Pension and Survivor Benefits. Analyzing the cost of the pension. Also includes CSRS Offset information.

View free live training webinars for all of these subjects.  

Please Note:  The information contained in these presentations was gathered from the websites: and

The information contained on this site is for educational purposes only.  Please refer directly to your government benefit websites for the most current information.