Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20

📘 Federal Retirement Resources:

Get the digital guidebook to retirement as a federal employee here:
https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/

Checklist Challenge:
https://cdfinancial.org/checklist-challenge/

OPM Retirement Center:
https://www.opm.gov/retirement-center/

FERS Information:
https://www.opm.gov/retirement-center/fers-information/

FEHB & Medicare:
https://www.opm.gov/healthcare-insurance/medicare/annuitant/

Survivor Benefits:
https://www.opm.gov/retirement-center/survivor-benefits/

Thrift Savings Plan (TSP):
https://www.tsp.gov/

🎯 Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter

💬 Comment Below:
What concerns you most about federal retirement right now?

🚨 Federal Employees: Your Last Year Before Retirement Could Cost You Thousands If You Miss These Steps

If you are within 12 months of federal retirement, this is NOT the time to “wing it.” The final year before leaving government service can directly impact your FERS pension, FEHB coverage, Medicare decisions, survivor benefits, sick leave credit, and long-term retirement income.

In this video, we break down the 5 most important federal retirement decisions every FERS employee should review BEFORE submitting retirement paperwork — including mistakes that are difficult or impossible to reverse later.

Whether you are trying to maximize your pension, choose the best retirement date, understand Medicare Part B, or protect your spouse with survivor benefits, this episode walks through the key planning areas federal employees often overlook.

✅ In This Video You’ll Learn:
• How unused sick leave affects your FERS pension
• The truth about the High-3 calculation and FERS 1.1% multiplier
• How to choose the best federal retirement date
• FEHB + Medicare Part B strategies for retirees
• Survivor benefit elections and spouse considerations
• A 5-step federal retirement checklist before leaving service
• What many retirees experience during the first 90 days of retirement

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TIMESTAMPS
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0:00 Biggest mistakes in the last year before retirement
1:23 FERS sick leave credit explained
4:09 High-3 pension calculation & FERS 1.1% multiplier
7:36 Best dates to retire from federal service
10:38 FEHB and Medicare Part B decisions
14:37 Survivor benefit elections explained
18:16 5-step federal retirement checklist
19:14 The first 90 days of retirement
22:08 How to get help with your retirement plan

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WHO WE ARE
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CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.

Our mission is simple:
Help federal employees retire with more clarity, confidence, and peace of mind.

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IMPORTANT DISCLAIMER
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Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

#FederalRetirement #FERSRetirement #FederalEmployees #RetirementPlanning #FEHB #TSP #Medicare #FederalBenefits #OPM #CDFinancial

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Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/

Want to work with Charles? Apply here: https://cdfinancial.org/schedule-a-meeting/

Checklist Challenge: https://cdfinancial.org/checklist-challenge/

Newsletter: https://cdfinancial.com/newsletter

WHO ARE WE?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

TIMESTAMPS
0:00 Last Year Before Federal Retirement Checklist
0:22 Two Federal Employees, Two Different Retirement Outcomes
0:46 Sick Leave Credit and Common FERS Retirement Mistakes
1:08 How to Review and Potentially Improve Your Federal Pension
1:43 Retirement Date Considerations for Federal Employees
2:12 FEHB, Medicare Part B, and Retirement Healthcare Decisions
3:13 Survivor Benefit Elections for Federal Employees
3:50 Free Federal Retirement Checklist and Next Steps

#FederalRetirement #FERSRetirement #FederalEmployees #RetirementChecklist #CDFinancial

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show

“Die with zero does not mean reckless spending. It means thinking intentionally about how to use your money for experiences, family, giving, and purpose while still protecting your retirement plan.”

Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-book/

Checklist Challenge: https://cdfinancial.org/checklist-challenge/

Apply for a 15-minute call: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20

Newsletter: https://cdfinancial.com/newsletter

👋 WHO ARE WE?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
0:00 Federal Employees and the Fear of Spending in Retirement
1:12 What “Die With Zero” Really Means for Retirees
2:24 Why Federal Retirees Often Hesitate to Spend
5:56 How to Give Yourself Permission to Enjoy Retirement
8:10 Building a Written Retirement Income Plan
9:24 Planning Travel, Experiences, and Meaningful Spending
12:39 How to Spend Earlier Without Risking the Future
14:19 Family Experiences, Gifting, and Creating Memories
17:40 Charitable Giving and Purposeful Retirement Spending
21:40 Health Tip: Beets, Brain Health, and Athletic Stamina
24:48 Final Thoughts on Spending, Saving, and Living Well

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show

Federal employees may hear “COLA increase” and assume their retirement income keeps full pace with inflation, but under FERS, the cost-of-living adjustment can work differently than many expect. Before you retire, it is important to understand how FERS COLA, CSRS COLA, Social Security COLA, and your overall federal retirement income may interact over time.

Apply for a federal benefits retirement review: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20

Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/

Checklist Challenge: https://cdfinancial.org/checklist-challenge/

Newsletter: https://cdfinancial.com/newsletter

“Many federal employees do not realize that the COLA number they hear in the news may not be the same adjustment applied to their FERS pension.”

LINKS AND RESOURCES

Official OPM COLA Information:
https://www.opm.gov/retirement-center/publications-forms/benefits-administration-letters/

Social Security COLA Information:
https://www.ssa.gov/cola/

WHO ARE WE?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

TIMESTAMPS
0:00 Federal Retirement COLA and the “Diet COLA” Problem
0:30 Why Real Cost of Living Can Feel Higher Than Your COLA
0:56 Grocery, Housing, and Inflation Pressure on Retirees
1:31 How Rising Food Prices Can Affect Retirement Income
2:11 Housing Costs, Rent, and Family Financial Pressure
2:36 Regional Inflation and Cost-of-Living Challenges
3:14 FERS, CSRS, and COLA Differences in Retirement
3:41 Why Future Growth May Matter in Retirement Planning
4:02 Balancing Safety, Income, and Inflation Risk

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show

Most federal employees are told to roll over their TSP when they retire, but that decision should start with a better question: What is this money supposed to do for you in retirement? In this episode, we break down common TSP rollover mistakes, IRA rollover considerations, tax treatment, withdrawal rules, and how a written retirement income plan can help federal employees make more informed decisions.

Apply for Your Retirement Review: https://www.cdfinancial.org/fa93xi62e

Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/

Checklist Challenge: https://cdfinancial.org/checklist-challenge/

Newsletter: https://cdfinancial.com/newsletter

👋 WHO ARE WE?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
0:00 TSP Rollover or Leave It?
0:41 The Question Most Federal Employees Skip
1:17 Why People Automatically Roll Over Their TSP
2:20 Common Reasons Retirees Move TSP Funds
3:07 TSP vs IRA vs Roth IRA Explained
5:09 How Rollovers Can Simplify Retirement Accounts
6:05 Where TSP Rollover Mistakes Begin
7:22 What “FBO” Means in a Retirement Rollover
8:24 Early Withdrawal Penalties and Tax Risks
9:41 The Importance of a Written Retirement Plan
11:00 Creating a Retirement Income and Tax Strategy
15:16 Final Thoughts and Retirement Roadmap

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show

TSP vs 401(k) rollover strategy isn’t about where the money goes—it’s about what the money is meant to do.” Discover how to decide whether to keep or move your retirement accounts with a clear, purpose-driven plan.

Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/

Checklist Challenge: https://cdfinancial.org/checklist-challenge/

Apply for a 15-minute call here: https://cdfinancial.org/schedule-a-meeting/

Newsletter: https://cdfinancial.com/newsletter

👋 WHO ARE WE?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
0:00 Intro
0:18 The Real Question You Should Be Asking
0:41 Why “Roll It Over or Leave It” Is the Wrong Starting Point
1:01 Defining the Purpose of Your Retirement Accounts
1:25 Building a Retirement Income Strategy Blueprint
1:50 Combining TSP, 401(k), IRA for Stronger Outcomes
2:06 Creating Income Phases: Short-Term vs Long-Term Planning
2:32 Building a Stable Retirement Foundation That Lasts
2:54 Step-by-Step Retirement Planning Approach

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show