The Benefits and Retirement Programs Experts


Contract Number:

The Company

How2Benefit is a woman veteran owned small business with special expertise in federal, military, and veterans group benefits and is dedicated exclusively to retirement planning for the federal employee. Our goal is to educate federal personnel and their families about the various choices involved in retirement planning so that they may make informed decisions, which will enable them to meet their retirement objectives. Our instructors and consultants are specialists. Each and every one is a licensed, credentialed expert in his or her field. And, most are retired annuitants, federal retiree spouses, veterans, or service disabled veterans themselves. In other words, they share the same retirement benefits as the federal audience they serve.


In July 2004, Julianne Howard Government Seminars (JHGS) merged with How2Benefit Prior to the merge, JHGS provided specialized benefit training for federal employees under direct federal contracts and was awarded GSA Contract GS-02F-0197S (SCHEDULE 69). JHGS was successful in landing federal contracts with both the US Navy and the US EPA. While presiding over JHGS, Julianne Howard developed and maintained valuable business relationships with numerous federal agency training and small business liaison offices. Many of her associates in these offices, once aware of her exceptional knowledge of the federal benefit programs and her excellent presentation skills, recommended that she expand her services to include comprehensive pre-retirement training. She followed their advice, merging with How2Benefit in July 2004. Today, she serves as How2Benefit’s primary instructor.

Ongoing Support

At How2Benefit, we welcome the opportunity to answer even the most complicated questions. Questions which prove too complex to answer in class—or which require additional research—are answered separately, outside of class. We’re proud to offer continuing on-call and on-line assistance to all course participants, ensuring that everyone has the information they need to make informed retirement planning decisions.

General Areas of Expertise

  • Retirement Systems & Annuities
  • Investment Planning
  • Insurance Benefits
  • Disability
  • Lifestyles and Transitions to
  • Retirement
  • Wills, Trusts & Other Legal Concerns

Federal Retirement Areas of Expertise

  • CSRS Retirement System
  • FERS Retirement System
  • TSP Program
  • IRAs and 401(k)s
  • Medicare
  • Social Security
  • Federal Employees Group Life
  • Insurance
  • Federal Employees Health Benefits
  • Social, Psychological, and Health aspects of life after federal service
  • Flexible Spending Account

In FY-08, How2Benefit entered into a teaming agreement with the USDA Graduate School for Pre-Retirement Planning and Mid-Career Retirement Planning Training.