Keith M. Donnell, a certified personal accountant, briefs retired, recently retired and soon-to-be retired military personnel and spouses on the benefits available to them upon full retirement from military service during the Retirees Appreciation Day hosted by the Retiree’s Activities Office at Horsham Air Guard Station, Pennsylvania, May 14, 2016. Donnell also discussed the Thrift Savings Plan and 401K’s in detail and how to invest and financially plan for the future. (U.S. Air National Guard photo by Staff Sgt. Michael Shaffer)