Episode Details

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

Get the Digital Federal Retirement Guidebook:
https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/

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

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

If you are within one year of federal retirement, this is one of the most important times to review your FERS pension before making a final decision. In this video, we break down key federal retirement planning considerations around survivor benefits, retirement timing, COLA, taxes, Medicare, FEHB, and TSP income planning.

Whether you are trying to protect your spouse, avoid unexpected tax issues, or make more informed decisions around your federal benefits, this episode walks through the planning areas many federal employees overlook before signing retirement paperwork.

━━━━━━━━━━━━━━━
IN THIS VIDEO YOU’LL LEARN
━━━━━━━━━━━━━━━

• Why FERS survivor benefit elections should be reviewed before retirement
• How choosing the wrong federal retirement date may affect your planning
• Why FERS COLA and long-term inflation should be part of your retirement income strategy
• How tax stacking can happen with a FERS pension, Social Security, TSP withdrawals, and other income
• Why IRMAA may surprise federal retirees who do not plan around Medicare income rules
• How FEHB, Medicare, and spousal coverage decisions can affect your retirement strategy
• Why federal employees should avoid relying only on one-size-fits-all retirement advice

━━━━━━━━━━━━━━━
FEDERAL RETIREMENT RESOURCES
━━━━━━━━━━━━━━━

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:
https://www.tsp.gov/

TSP Withdrawals in Retirement:
https://www.tsp.gov/withdrawals-in-retirement/

Medicare IRMAA Information:
https://secure.ssa.gov/poms.nsf/lnx/0601101020

━━━━━━━━━━━━━━━
TIMESTAMPS
━━━━━━━━━━━━━━━

0:00 FERS Pension Mistakes That Can Affect Retirement Income
0:27 Survivor Benefit Decisions and Spousal Protection
0:55 Choosing the Right Federal Retirement Date
1:26 FERS COLA, Inflation, and Long-Term Income Planning
2:00 Tax Stacking with FERS, Social Security, and TSP Withdrawals
2:25 IRMAA Surprises and Medicare Income Planning
3:43 FEHB, Medicare, and Federal Retiree Health Coverage
4:08 Why Federal Retirement Advice Is Not One-Size-Fits-All
4:36 Building a Retirement Plan Around Your Specific Situation

━━━━━━━━━━━━━━━
WHO WE ARE
━━━━━━━━━━━━━━━

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.

Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.

━━━━━━━━━━━━━━━
IMPORTANT DISCLAIMER
━━━━━━━━━━━━━━━

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.

This video is for educational purp