Biography
Saundra K. Harman
President, Harman & Associates, Inc.

Ms. Harman presented a session entitled “Financial Investments for Your Future: CSRS and FERS” at the
June 2006 WIFLE Leadership Conference.

 

Saundra K. Harman is the President and founder of S. Harman & Associates, Inc. and is involved in the development and presentation of employee benefits and employee relations training courses and seminars.  Ms. Harman has conducted hundreds of seminars for federal personnel specialists, managers, and employees.

Ms. Harman has had 38 years of diverse federal experience, 21 of those as a recognized Federal Employee Benefit Expert.  Prior to founding S. Harman & Associates, Inc., Ms. Harman worked at the Social Security Administration (SSA) in the Office of Legislative and Regulatory Policy and Office of Governmental Affairs.  Her duties at SSA included drafting legislation, developing policy and interpreting Social Security programs, and explaining their implications to other federal agencies.  She developed and conducted for OPM a seminar that presented the provisions of Social Security’s (Retirement, Survivor’s and Disability) programs and the basics of CSRS and FERS to numerous federal agencies at over 180 locations throughout the United States.

In addition to developing, marketing and presenting seminars to federal agency personnel, Ms. Harman has conducted scores of Pre-retirement and Prime Time seminars for federal employees.  She produces a monthly newsletter, Employee Benefits Review, about personnel issues relating to the CSRS, FERS, Federal Employees’ Health Benefit Program, Federal Employees’ Group Life Insurance, Social Security, and Medicare.  She authors the Federal Employees’ Guide to Social Security, as well as four booklets which explain, in detail, the aspects of the federal employees’ benefit packages: (1) What You Need to Know About Your Civil Service Retirement System Benefits; (2) What You Need to Know About Your Federal Employees’ Retirement System Benefits; (3) What You Need to Know About Your Offset Civil Service Retirement System Benefits; and (4) What You Should Know About Your Benefits If You Transferred to FERS.