united states army association (usaa) retirement guide

military retirementyour guide to an easier transition

Ensure a lifetime of

benefits from USAA.

Be sure to establish your USAA membership1

before you retire. Once you’ve joined, your

spouse and children can also enjoy the benefits

of membership. Enjoy great rates on financial

products, world-class service and guidance

through life’s major changes.

Call (800) 771-9960

or visit usaa.com to

establish USAA membership.

“Thank you for making complicated choices so easy – it’s USAA for me!

You were there when I spent seven years overseas. The service never wavered thousands of miles from home.”

Cheryl M. Bosco

Lt. Col., U.S. Air Force (Ret.) USAA member since 1981

contentsGet organized . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Calculate your retirement pay . . . . . . . . . . . . . . . 10

Understand changes . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 to your military benefits

Adjust your finances. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Find the right second career . . . . . . . . . . . . . . . . . 24

Arrange your final PCS. . . . . . . . . . . . . . . . . . . . . . . . . . 25

USAA is here to help . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30

Solutions for an easier transition . . . . . . . . . . 31

Glossary of usaa.com search words . . . . . . 32

Other helpful resources . . . . . . . . . . . . . . . . . . . . . . . . 33

assess

plan

execute

“I’m excited to retire, but I want to make

sure I’m prepared. How can I get organized?”

a s s e s s

Assess | Get organized

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Get organizedUse this pre-retirement checklist to get organized. It’s based on the Army Career and Alumni Program (ACAP) and the Air Force Transition Assistance Program (TAP) models. The page numbers after items on the checklist refer to useful tips or USAA2 solutions throughout this guide.

Determine eligibility and benefits for retirement pay (pg 10)

Assess your finances, begin paying down debt and investigate your IRA options (pg 18-21)

Focus on your financial situation; consider contacting a CERTIFIED FINANCIAL PLANNERTM practitioner

Begin researching career choices and job options (pg 24)

Take advantage of career evaluation services

Start saving for relocation expenses and contact a real estate agent (pg 25)

Create your resume (about a year out) (pg 24)

Schedule your pre-retirement counseling appointment

Attend an ACAP or TAP workshop

Develop your Individual Transition Plan

Schedule your final dental examination

Research the job market and assess your skills and interests (pg 24)

Make a financial plan for your transitional period (pg 18)

Schedule your physical examination

Start networking; contact friends in the private sector

Attend job fairs

Research job possibilities, markets and economic conditions (pg 24)

Retirement countdown checklist

3 years to 6 months out

1�0-150 days out

150-120 days out

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Get organized | Assess

Meet with a Veterans Affairs (VA) counselor to file a VA claim for disability, if applicable

Receive your verification of Military Experience and Training document

Visit your Education Counselor

Consult with your Health Benefits Adviser regarding military retiree benefits and options

Submit a Leave/Permissive TDY request

Obtain retirement orders

Arrange transportation counseling

Review insurance and types of coverage to replace SGLI and DIC (pg 12-15)

Make copies of personnel and medical records

Obtain free legal advice from Judge Advocate/Legal Assistance office

Review Survivor Benefit Plan choices; attend retirement seminars (pg 12-15)

Consider rolling over Thrift Savings Plans or spousal retirement plans into an IRA (pg 21)

Send out resumes

120-�0 days out

�0-60 days out

Retirement day – congratulations!

Assess | Calculate your retirement pay

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Calculate your retirement pay

For more information about these retirement options, log on to dod.mil/militarypay – a government Web site.

Final Pay Plan High-Three Plan CSB/REDUX Plan

Basic retirement pay at 20 years

50% of the final pay

50% of the average of your 3 highest years

of basic pay

40% of the High-Three Plan

basic pay

Additional retirement pay for every year over 20

2.5% (Maximum 75%)

2.5% (Maximum 75%)

3.5% (Maximum 75%)

Bonus None None$30,000 in

the 15th year

Cost of living allowance

Equal to the increase in the CPI

Equal to the increase in the CPI

1% less than the increase in the CPI

(one-time catch up at age 62)

Eligibility: date entered active duty

Before 8 Sep 80 After 7 Sep 80 After 31 July 86

Active Duty Retirement Pay PlansThe military provides three retirement pay plans, based on when you entered active duty:

If you entered prior to September 8, 1980, you’re eligible for the Final Pay Plan.

If you entered the military between September 8, 1980, and July 31, 1986, your benefits come under the High-Three Plan.

If you entered after July 31, 1986, you elected one of the following: the High-Three Plan or the Career Status Bonus (CSB)/REDUX Plan.

It’s important that you understand your retirement pay arrangement, because it will affect your standard of living for the rest of your life. Refer to the chart below to compare plans at a glance.

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Calculate your retirement pay | Assess

Call USAA for help calculating your pay.

Call USAA’s FREE Financial Advice Center at (�00) 771-9960 to have a professional Financial Advisor help you determine what your retirement pay will be and discuss other issues regarding retirement.tipFinancial advice provided by Financial Advice Center as a service of USAA Financial Planning Services Insurance Agency, Inc. (known as USAA Financial Insurance Agency in California), and USAA Financial Advisors, Inc., a registered broker dealer.

Assess | Understand changes to your military benefits

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Understand changes to your military benefitsUnderstanding how your benefits change after retirement is crucial to mapping out your plan for a smooth transition. Four critical areas of consideration are:

Servicemembers’ Group Life Insurance (SGLI) and Veterans’ Group Life Insurance (VGLI)

Dependency Indemnity Compensation (DIC)

Survivor Benefit Plan (SBP)

TRICARE

Use the following charts to understand how your benefits will change and if you’ll be eligible for additional benefits. Your eligibility will depend on whether you are active duty, National Guard or Reserve and what stage you’re at in your military career.

Active duty retiree benefits

Benefits Active Duty Retired

MedicalFull coverage for active duty member;

eligible family members covered under TRICARE

Most retirees up to age 65 and eligible family members are covered

under TRICARE

Retirees and eligible family members age 65 and over covered under TRICARE for

Life as secondary payor to Medicare

DentalFull coverage for active duty member; family members can elect to join the TRICARE Dental Program for a fee

DoD TRICARE Retiree Dental Program (TRDP) available

Commissary Full privileges Full privileges

PX/BX Full privileges/unlimited Full privileges/unlimited

Insurance Eligible for SGLI Eligible for VGLI

Survivor Benefits

Eligible for DIC; eligible for SBPCould be eligible for DIC;

optional SBP

Housing Government Quarters or BHA (Basic Housing Allowance)

Not applicable

Space Available Travel

Eligible (Active duty higher priority) Eligible (Retirees have lower priority)

Understand changes to your military benefits | Assess

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BenefitsInactive Duty

Training AssemblyAD, ADSW,

AT, ADT, IADT Retired Reserve (under age 60)

Retired Reserve (age 60+)

Pay Basic pay, special pay (if authorized)

Basic pay, BAS, BAH, special pay

(if authorized)Not eligible

Retired or retainer pay (if applied for)

Medical Only if duty-related Full Not eligibleFull for retiree

and eligible family members

Dental Not eligibleFull for service

memberNot eligible

Full for retiree and eligible family

member

VA MedicalIf injury or illness sustained in line

of duty

If deceased or injured in line of

duty

Eligible if prior service

Eligible if prior service

Commissary Full privileges Full privileges Full privileges Full privileges

PX/BX Full privileges Full privileges Full privileges Full privileges

Insurance Eligible for SGLI Eligible for SGLI Eligible for VGLI Eligible for VGLI

Survivor Benefits

Eligible, with 20 years’ service,

if elected


if elected


if elected


if elected

TRICARE

30 days’ coverage for member and

family post-release from contingency

operation

Eligible, dependents

eligible if on AD; ADSW for more than 30 days

Not eligible

Eligible until age 65, then eligible

for TRICARE for Life

Space Available

Travel

CONUS, Hawaii, Alaska, Puerto

Rico, Virgin Islands, Guam

Worldwide

CONUS, Hawaii, Alaska, Puerto

Rico, Virgin Islands, Guam

Worldwide

National Guard & Reserve benefits

Assess | Understand changes to your military benefits

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Are you covered? USAA can help.

SGLI, VGLI, DIC, SBP, TRICARE. Assessing coverage can be difficult. How do you know if you have what your family needs? Call USAA’s FREE Financial Advice Center at (�00) 771-9960 to speak with a Financial Advisor about your options and what they mean.

tip

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Understand changes to your military benefits | Assess

More About Your Military BenefitsSGLI and VGLI

SGLI is automatically extended 120 days after you retire.

Your coverage can be converted to VGLI, but enrollment isn’t automatic. So, if interested, you must elect this coverage.

It’s important to understand that VGLI costs more, but during the first 120 days following retirement applicants can’t be denied because of poor health. If you’re in good health, private term insurance policies may be more affordable.

SGLI coverage for your family cannot be converted to VGLI.

DIC

DIC assists surviving spouses and dependent children of veterans who die while on active duty or from service-connected disability when certain criteria are met.

It is paid to the spouse until remarriage (unless it occurs after age 57) and to the children up to age 18 (or age 23 if they’re in school full time).

SBP

Provides up to 55% of your military retirement income to your survivors.

Provides a monthly income to survivors of retired military personnel when retirement pay stops.

Automatically covers survivors of members who die while on active duty and survivors of members recalled to active duty from retirement who die while on active duty.

Includes an annual cost-of-living allowance increase and is subsidized, so it’s a good choice for most retirees.

Can be used in combination with a private insurance plan.

TRICARE

Still available, but you’ll have to choose which program is best for you and your eligible family members.

TRICARE will pay a portion of health care costs.

At age 65, TRICARE for Life becomes a supplemental health policy acting as a secondary payor to Medicare.

“There’s so much to do – where should I start?”

p l a n

Adjust your financesRetiring from the military can have a major financial impact if you’re not prepared. The first step in preparing is to adjust your budget to your new way of life. Once you know where your day-to-day budget stands, you can take steps to prepare for other financial goals such as your second retirement or education funding for your children.

Develop or Adjust Your BudgetYou may have to make temporary adjustments on spending during the transition period. Developing a budget will help you:

Determine whether you’re living within your means.

Manage your finances wisely.

Assess the gap between your ideal retirement lifestyle and what you can afford.

Identify future income needs.

Use the following worksheet to identify your spending patterns and your cash flow.

Plan | Adjust your finances

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Estimated Retirement Income Monthly Yearly

Military Retiree

Spouse

Veteran’s Benefits

Social Security

Pensions

IRAs

Bond Interest

Stock Dividends

Other Investment Income

Annuities

Life Insurance Cash Value

Rental Income

Other Income

Total Income

Income

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Adjust your finances | Plan

Estimated Retirement Expenses Monthly Yearly

Mortgage/Rent

Property/Local Taxes

Food/Dining Out

Utilities

Telephone

Home Improvement/Repair

Clothing

Life Insurance

*Homeowners Insurance

Health Insurance

Long-Term Care Insurance

*Automobile Insurance

Education

Medical Expenses

Elder Parent Care

Income Taxes

Commuting

Vacation

Entertainment

Loans

Credit Cards

Gifts

Dues

Other

Total Expenses

SURPLUS or DEFICIT(Total Income minus Total Expenses)

Expenses

* If you plan to move, call to receive a quote for your new location.


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Tips for BudgetingWhether you’re right on track with your budget or have some catching up to do, here are some things to keep in mind:

Reduce your monthly spending.

Pay down or pay off credit cards with any lump-sum retirement payments.

Cut back on unnecessary spending.

Consolidate your debts.

Be prepared for unexpected expenses.

Keep an emergency fund of three to six months of expenses for things such as unexpected medical bills, sudden repairs or assistance for your children and/or family members.

Review your budget regularly.

Regular budget reviews can help you anticipate changes and problems, as well as keep your finances in line with your goals.

Consolidate debt.

A home equity line of credit or loan allows you to consolidate your high-interest-rate debt and save at tax time.3 Keep in mind, however, that borrowing against your home’s value puts the home itself at risk.

Budgeting is easy at usaa.com.

You can:

Open an emergency savings account.

Manage your budgeting and pay bills online with a no-fee checking account.

Apply for a Home Equity Line of Credit4 to consolidate debt.

For more information, visit usaa.com.

tip

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Roll over your TSP to a USAA no-fee IRA.

You’ll gain control, greater flexibility and more choices for retirement savings. While the TSP offers five investment fund options, there are thousands of fund options available through USAA’s Fund Marketplace®5. And you have access to other IRA options, like tax-deferred annuities and guaranteed certificates of deposit (CDs). Visit usaa.com and enter keyword IRARollover, or to compare USAA’s IRA investment options enter keyword IRA Investments. Or, call a USAA Financial Advisor at (�00) 771-9960 for free advice on which IRA option may be best for your unique situation.

tip

Prepare Now for Your Second RetirementNow that you’re approaching military retirement, it’s time to kick savings into high gear for your final retirement. While on active duty, you may have participated in the Thrift Savings Plan (TSP). When you leave active duty, you will be eligible to roll over your TSP account into an Individual Retirement Account (IRA). Rolling over your TSP to an IRA will give you:

More control over your retirement investments.

Greater variety of investment options to match your needs.

Greater flexibility for your heirs.

To help you better understand your TSP withdrawal options, you can download the booklet, “Withdrawing Your TSP Account After Leaving Federal Service,” from www.tsp.gov. You can also call a USAA Financial Advisor for free advice and guidance.

Types of IRAsTraditional IRA

Offers the opportunity for tax-deferred earnings and growth of retirement assets. You may qualify for tax-deductible contributions. TSP rollovers are made into this type of IRA.

Roth IRA

An account for after-tax contributions, with tax-free earnings and potentially tax-free withdrawals.

SEP-IRA

A retirement plan generally for small businesses and self-employed individuals. Employers make tax-deductible contributions into SEP-IRAs for their eligible employees.

SIMPLE IRA

Allows eligible employers with 100 or fewer employees to offer the benefit of a tax-advantaged retirement plan. SIMPLE IRAs are funded by the employer for eligible employees and sometimes also by the employee. SIMPLE IRAs are also available for self-employed persons.

Consider the investment objectives, risks, charges and expenses of the USAA Fund Marketplace funds carefully before investing. Contact us for a prospectus containing this and other information about the funds from USAA Investment Management Company. Read it carefully before investing.Nondeposit investment products are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by USAA Federal Savings Bank or USAA Savings Bank, are subject to investment risks and may lose value.


Juggling Retirement with College SavingsPreparing for retirement often brings to light other financial goals, such as college savings for your children. Here’s a breakdown of the different college savings options.

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Coverdell ESAUniform Gifts/

Transfers to Minors529:

Prepaid Tuition529:

Savings Plan

Highlights

Investment account (Contributors must

earn less than $110K for single filers and

$220K for joint filers.)

A way to gift money to children for all future

expenses

Contributions today are guaranteed to cover tuition costs

in the future.

Investment account for the benefit of

anyone – your child, your grandchild, etc.

Offered byBrokerages, mutual fund companies,

banks

Brokerages, mutual fund companies,

banksStates States

Tax treatment of withdrawals

Tax-free for qualified expenses

Tax-exempt or taxed at the child’s rate

Tax-free for qualified expenses

Tax-free for qualified expenses*

Qualified expenses

Tuition, room, board, fees, supplies and

some special needs for K-12 and college

Any as long as used for the benefit of the

child

Tuition at a college within the plan

(some plans cover room and board)

Tuition, fees, room and board (with

limitations), books and supplies at qualified higher-

education institutions

Tax-deductibility for donor

None

Tax-free up to $11,000 ($22,000

for married tax payers, filing jointly) each

year, per beneficiary, so there is potential to reduce a donor’s

taxable estate

Some states allow contributions to be

partially or completely deductible.

Some states allow contributions to be

partially or completely deductible.

Investment flexibility

Assets can be invested in stocks, bonds, mutual funds and cash equivalents.

Investments can be bought and sold as often as desired.

Assets can be invested in stocks,

bonds, mutual funds and cash equivalents. Investments can be bought and sold as often as desired.

Plan administrators invest all assets.

Assets are professionally

managed. Depending on the plan,

participants can choose from various

mutual fund-type investments.

*Tax-free earnings and withdrawals are for qualified educational expenses. Other withdrawals are subject to income tax and an additional 10% penalty on earnings. Unless the current law is extended, earnings withdrawn from your USAA College Savings Plan after 2010 to pay qualified higher education expenses will be subject to federal income tax, as well as state and local income taxes. The availability of tax or other benefits may be contingent on meeting other requirements.

(800) 771-9960 • usaa.com | 23


Consider the investment objectives, risks, charges and expenses of the USAA College Savings Plan (Plan) carefully before investing. Call (800) 292-8825 to request a Plan Description and Participation Agreement containing this and other information about the Plan. Read it carefully before investing. If you or the beneficiary are not residents of the State of Nevada, consider before investing whether your or the beneficiary’s home state offers a 529 plan that provides its taxpayers with state tax and other benefits not available through this Plan. Please consult your tax adviser.

Open a USAA College Savings Plan account for just $250, and boost your savings when you join Upromise.®6

When you open a USAA College Savings PlanSM account for just $250 and link it to a free Upromise rewards account, you can earn additional college savings on qualified purchases of everyday items like groceries and gas. To get started, visit usaa.com and enter keyword College Plan.

tip

Plan | Find the right second career

Find the right second careerIf you decide to pursue a second career, conduct your job search in an organized way, with as much energy as you put into the job itself.

24 | (800) 771-9960 • usaa.com

Decide what type of job you’d really like and whether you have the abilities and/or experience the job requires. Take advantage of career evaluation services to help you determine the career that suits you best.

Find out about qualifications. Enroll in classes or go back to school to improve or learn new skills.

Read books, manuals and reference materials about your new career. To research salary ranges for positions you are interested in, view job-related Web sites, such as:

www.monster.com

www.hotjobs.yahoo.com

dod.jobsearch.org

www.careerbuilder.com

Let family, friends, former teachers, retired colleagues, professional peers, alumni groups and former employers know you’re looking for a job. A personal introduction to someone in a company you’re interested in gives you a definite advantage.

Include your work history, experience, special skills and achievements. Be concise and truthful. Ask ACAP/TAP transition staff to assist in translating military experience into civilian terms.

Identify your skills

Focus on a specific job

Research your career choice

Network with family and friends

Develop a resume

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Arrange your final PCS | Plan

Arrange your final PCSRelocation AssistanceTake advantage of the Relocation Assistance Program (RAP) office at your Family Service Center. It is there to help you with the following services:

Needs assessment related to your move.

Automated information on military communities worldwide, including a database (SITES) describing housing options available near military installations.

Assistance obtaining information on relocating to non-military communities, including Web sites that allow you to easily compare the cost of living among cities.

Help developing a relocation plan.

Workshops and individual sessions on managing relocation stress for both adults and children.

Moving from Government HousingIf your final move is from military quarters, contact your Housing Office as soon as you receive your retirement orders. Housing personnel can explain the procedures for inspecting, cleaning and vacating your quarters. They’ll also be able to tell you if you’re eligible for an extension on your quarters or if space is available.

Plan | Arrange your final PCS

26 | (800) 771-9960 • usaa.com

Transportation to Your New HomeContact your Transportation Office to schedule an appointment. A representative will survey your belongings and help you decide whether to let the office handle your move or make your own arrangements for a complete or partial Do-It-Yourself (DITY) move.

Shipment and Storage of Your Household GoodsIf you’re eligible, you can store a shipment of household goods for up to one year, then ship your items anywhere in the continental United States or to your home of record outside the United States. In some instances, the storage period can be extended up to four years.

USAA’s MoversAdvantage® real estate assistance program helps you buy or sell a home anywhere in the United States.

A real estate coordinator to act as your advocate and oversee the entire home-buying process.

Access to a national network of local licensed real estate agents, specially selected and certified to work with USAA members.

A cash bonus up to $1,000 when you buy or sell a home using our MoversAdvantage real estate services – up to $2,000 if you do both.7

Log on to usaa.com and enter keyword MoversAdvantage.

Get the home you want, along with exclusive member benefits that save you time and money – guaranteed.

Guaranteed closing date when you buy your home with a USAA conventional loan, or we will reduce your closing costs by up to $500.9

Options to fit your needs including VA10 loans, fixed-rate mortgages, adjustable-rate mortgages, interest-only loans and more.

100% financing available – no down payment required.

Log on to usaa.com and enter keyword Mortgage.

USAA’s FREE PCS Guide provides helpful information for your final PCS, such as moving tips, logistics and DITY move guidance. There’s also a week-by-week checklist of things to do before a move. To order, visit usaa.com and enter keyword OrderGuide.

USAA MoversAdvantage

Offered a better mortgage rate?

We’ll beat it�

USAA’s FREE PCS guide

tip: 3 Steps to an Easier Move

®

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Arrange your final PCS | Plan

“What steps can I take to ease my family

through the stress of transitioning?”

e x e c u t e

Execute | USAA is here to help

30 | (800) 771-9960 • usaa.com

USAA is here to helpFor more than 80 years, USAA has helped military families through major life changes. Many of our credentialed Financial Advisors also served in the military, so they know the ins and outs of your unique military benefits. They will provide you with insightful answers and honest recommendations.

FREE Financial AdviceCall an expert Financial Advisor for FREE straightforward guidance. You’ll get honest answers and practical advice on issues like:

Calculating your retirement pay.

Understanding changes in your military benefits.

Budgeting for the transition.

Lining up your retirement accounts.

Arranging your final PCS.

Or start with a FREE Financial Assessment on usaa.com. In about 10 minutes, you’ll identify the strengths and weaknesses of your current financial picture and get ideas and solutions for improvement.

Insurance

AutoHomeownersRentersCondominiumAntique & Classic CarAviationWatercraft

Level TermWhole LifeVariable Universal Life11

Universal LifeMedicare SupplementLong-Term Care12

Banking

No-fee Checking AccountFree Electronic Bill Payment ServiceCompetitive Savings AccountsCertificates of DepositCredit CardsHome Loans

Home Equity Loans4

Auto LoansLines of CreditTrust Services13

MoversAdvantage® Real Estate ServicesCertified Cash Buyer ProgramSM

Investing & Retirement

Mutual FundsBrokerage Services14

Personal Asset Management Services

Individual Retirement Accounts (IRAs)AnnuitiesCollege Savings (529) Plan

Financial Planning Services

CERTIFIED FINANCIAL PLANNER™ PractitionersRetirement Planning

Estate PlanningAsset AllocationRisk Management

Shopping & Discount

Military & Patriotic CollectiblesDiamonds & JewelryCruises & Land ToursFedEx®

Avis®, Budget® & Hertz®Teleflora®ADT® Home SecurityADT® Companion ServicesSM

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Solutions for an easier transition | Execute

Solutions for an easier transitionUSAA builds ease, convenience and flexibility into all of our products and services to accommodate your military lifestyle. Call (800) 771-9960 or visit usaa.com for more information on any of the following:

Consider the investment objectives, risks, charges and expenses of the USAA mutual funds and/or USAA College Savings Plan (Plan) carefully before investing. Contact us to request a prospectus and/or Plan Description and Participation Agreement containing this and other information about the funds and/or the Plan from USAA Investment Management Company, Distributor. Read it carefully before investing. For the USAA College Savings Plan, if you or the beneficiary are not residents of the State of Nevada, consider before investing whether your or the beneficiary’s home state offers a 529 plan that provides its taxpayers with state tax and other benefits not available through this Plan. Please consult your tax adviser.Nondeposit investment products are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by USAA Federal Savings Bank or USAA Savings Bank, are subject to investment risks and may lose value.

15

Execute | Glossary of usaa.com search words

32 | (800) 771-9960 • usaa.com

Glossary of usaa.com search wordsVisit usaa.com for more information on USAA’s products and services, as well as informative articles and links to other military retirement-related Web sites.

Products & Services: Search Word:

ADT Home Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ADT

Annuities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Annuities

Auto Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Auto Coverage

Brokerage Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Brokerage

Certificates of Deposit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CDs

Checking Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Checking

College Savings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . College Plan

Credit Cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit

Cruise Travel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Cruise

Financial Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Compare

Homeowners Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Homeowners

IRAs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IRA

Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Life

Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Loans

Long-Term Care Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . LTC

Military Retirement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Military Retiring

Mutual Funds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Mutual Funds

Personalized Asset Management . . . . . . . . . . . . . . . . . . . . . Asset Management

Renters Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Renters

Savings Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Savings

Shopping & Discounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Discounts

Trust Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Trust

Search words are also listed throughout this guide to assist you in getting to online information as quickly and easily as possible on usaa.com. To use a search word, enter the word into the search section on the member home page, then click the “Search” button.

(800) 771-9960 • usaa.com | 33

Other helpful resources | Execute

Research Other Helpful Web sites

Transition Assistance:

Army Career and Alumni Program . . . . . . . . . . . . . . . . . . . . www.acap.army.mil

Air Force Transition Assistance Program. . . . . . . . . . . . . . www.afpc.randolph.af.mil/famops

Military Transition Assistance . . . . . . . . . . . . . . . . . . . . . . . . www.dodtransportal.org

Pay & Benefits:

Defense Finance and Accounting Service . . . . . . . . . . . . www.dod.mil/dfas

Military Retirement Issues and Army Retirement Services . . . . . . . . . . . . . . . . . . . . . . . www.armyg1.army.mil/default.asp

Coast Guard. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.uscg.mil/HQ/PSC

Coast Guard Retirement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.uscg.mil/HQ/PSC/ras.htm

Retirement Pay System Choice (Calculator) . . . . . . . . . . dod.mil/militarypay/

SBP Information. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.afpc.randolph.af.mil/sbp

Social Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.ssa.gov/retire2/index.htm

TRICARE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.tricare.osd.mil

TRICARE Retiree Dental Program. . . . . . . . . . . . . . . . . . . . . www.ddpdelta.org

Veteran Affairs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.va.gov

tip

Educational Resources

Visit The USAA Educational Foundation16 online at usaaedfoundation.org. You’ll get timely, objective information from a nonprofit organization, with interactive worksheets to assist you and your family before, during and after your retirement.

Call TouchLine at (800) 531-0752 to order FREE informational publications such as:

#508, Planning for Retirement

#511, Financial Goal Setting

#502, Buying a Home

Other helpful resources

Nondeposit investment products are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, the USAA Federal Savings Bank or USAA Savings Bank, are subject to investment risks, and may lose value.1. Membership is established in the USAA Property and Casualty group upon the purchase of a policy. Property and casualty insurance products are available only to persons eligible for group membership. Eligibility restrictions apply. All applications for property and casualty insurance are subject to underwriting. Some restrictions apply. Coverages and services described above are generally stated for purpose of promotion. The material does not modify or amend the terms, conditions or coverages of any policy.2. USAA means United Services Automobile Association and its affiliates. Property and casualty insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, USAA County Mutual Insurance Company, USAA Texas Lloyds Company and USAA, Ltd., and is available only to persons eligible for group membership. Investment products and services provided by USAA Investment Management Company, a registered broker dealer. Life insurance and annuity products provided by USAA Life Insurance Company, San Antonio, TX. In NY, life insurance and fixed annuities provided by USAA Life Insurance Company of New York, Highland Falls, NY. Financial planning services and financial advice provided by USAA Financial Planning Services Insurance Agency, Inc. (known as USAA Financial Insurance Agency in California), a registered investment adviser and insurance agency and its wholly owned subsidiary, USAA Financial Advisors, Inc., a registered broker dealer. Merchandise provided by USAA Merchandise Services Company. Alliance services provided through USAA Alliance Services, L.P. Banking products provided by USAA Federal Savings Bank, an equal housing lender. Credit cards provided by USAA Savings Bank. Both banks FDIC-insured.3. Consult a tax advisor regarding the deductibility of interest.4. Home equity loans are available in all states.5. Transaction fees for non-USAA funds can be avoided by purchasing directly from the fund family.6. Interests in the USAA College Savings Plan (Plan) are municipal fund securities issued by the Nevada College Savings Trust Fund (Trust). The value of an investment in the Plan will vary with market conditions. The Plan is administered by the Board of Trustees of the College Savings Plans of Nevada (Board), which is chaired by Nevada State Treasurer Brian K. Krolicki. USAA Investment Management Company provides investment management services to the Portfolios, and markets and distributes the Plan. Upromise Investments, Inc. serves as the Program Manager as well as effects participant transactions in the Plan. Interests in the Plan are not guaranteed by the Trust, the Plan, the State of Nevada, the Board or any other governmental entities, or any USAA or Upromise entities and you could lose money. • Upromise is a free rewards service offered by Upromise, Inc. and is a separate service from the USAA College Savings Plan • Terms and conditions apply for each company’s contributions. Transfers to your USAA College Savings Plan account are subject to the minimum subsequent contribution amount of $50. • Upromise and the Upromise Logo are registered trademarks of Upromise, Inc. © 2001-2005. All rights reserved.7. USAA MoversAdvantage® is offered through USAA Relocation Services, Inc., a subsidiary of USAA Federal Savings Bank. USAA Relocation Services, Inc. is a licensed real estate broker. The ability to pay a cash bonus is limited by state law in some states.8. Mortgage rate-beat offer available only to USAA members eligible for USAA property and casualty insurance, and applies to conforming conventional and VA loans only. Limited to loan products offered by USAA. Applicable for rates (APR) quoted on the same day, for the same loan product and terms. Borrower must be qualified for the matching USAA loan product. Loans offered by an affiliate or captive of a homebuilding entity are excluded from this offer. Offer does not apply in situations where the borrower has already locked an interest rate with USAA.9. Closing date guarantee applies to conventional purchase loans only; does not apply to refinance and VA loans.10. VA loans are available only for the purchase of a primary residence. Visit the VA Web site at www.va.gov.

11. Consider the investment objectives, risks, charges and expenses of USAA Life Insurance Company’s variable products carefully before sending money. Contact us for a contract prospectus and underlying fund prospectuses containing this and other information about the funds. Read them carefully before sending money. Variable products are distributed by USAA Investment Management Company, a registered broker dealer.12. USAA Life General Agency, Inc. (LGA) (known in CA and NY as USAA Health and Life Insurance Agency) acts as an agent for select insurance companies to provide long-term care insurance to USAA members. LGA representatives are salaried and receive no commissions. However, LGA receives commissions from those companies which can include compensation based on the total quantity and quality of insurance coverage purchased through LGA. Plans not available in all states.13. USAA Trust Services are offered by USAA Federal Savings Bank. Its fee-based services are most appropriate for investable assets of $250,000 or more.14. USAA Brokerage Services is a division of USAA Investment Management Company.15. Available services provided by special service discounts for USAA members arranged through USAA Alliance Services, Inc.16. The USAA Educational Foundation, a nonprofit organization, does not endorse or promote any commercial suppliers, products or services.

united states army association (usaa) retirement guide

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