Is the new OPM Online Retirement Application (ORA) speeding up federal retirement or causing more delays? In this video, CD Financial explains the digital process, timelines, hidden pitfalls, and speedy tips for federal employees (FERS & CSRS) preparing to retire. Learn how to optimize your paperwork, avoid late annuity payments, and get the answers to crucial OPM system changes for 2025.

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⏱ TIMESTAMPS
0:00 – Intro
0:57 – ORA Overview
1:39 – Why the Switch to ORA
3:59 – Accessing the System
5:28 – Application Process
6:00 – Required Forms to Upload (SF3107, SF2817, SF2818, etc.)
11:02 – System Updates & Notifications
12:30 – Benefit Estimates
15:21 – Tax Withholding Issues
16:57 – Certification & Submission
18:38 – What ORA Doesn't Handle (TSP, Social Security)
19:27 – OPM Calculation Errors
21:11 – Getting Professional Help
23:27 – Health Tip

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.

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🚨 Government Shutdown URGENT Update: How will your paycheck, benefits, and retirement be impacted? Millions of federal employees and retirees are searching for answers—CD Financial reveals what most people miss (and how to protect your income right now).

👇 Have a question or personal concern? Comment below—real answers from our team!

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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 — Shutdown Impact for DRP Retirees & Recent Retirees
0:25 The 3 Ways a Shutdown Hits You (HR Gaps)
0:49 No Staff to Process Your Final Paycheck
1:19 Why Your Last Check May Be Stuck in Limbo
1:52 TSP Access Rule Explained — The Age 55–59½ Corridor
2:26 Not Marked “Retired” in TSP? Risk of 10% Penalty
2:53 “I Took the DRP — Why Can’t I Access Funds?” (Status Not Updated)
3:28 AURA-Style Self-Serve Burden During Shutdown
3:51 Need Help Now? Text Us — We’ll Build a Plan
4:12 Sign-Off — “You don’t have to work longer, just need a better plan.”

#FederalEmployees #GovernmentShutdown #RetirementPlanning #BreakingNews #2025COLA #TSP #FERS #SocialSecurity #UrgentUpdate #Financialcurity


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

How will the October 2025 government shutdown impact federal employees, retirees, and Social Security recipients? In this video, CD Financial breaks down what you can expect, tips to protect your income, how to bridge financial gaps, and updates on benefits. Get expert retirement and financial planning strategies tailored to the federal workforce.

🔔 Subscribe for weekly insights on retirement, tax planning, TSP, FERS, and Social Security.
📞 Book your FREE 15-minute consultation: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
📰 Sign up for our newsletter: https://cdfinancial.com/newsletter

⏱ TIMESTAMPS
0:00 Government Shutdown 2025 – Why This One Is Different
0:24 Job Cuts & Reduction in Force Explained
0:41 Millions Left Wondering – What’s Next for Federal Employees?
1:04 Essential Workers – Working Without Pay
1:18 Non-Essential Employees – At Risk of Layoffs
1:31 Why This Shutdown Is Unprecedented
2:02 Administration’s Statement – “Clear Out Dead Wood”
2:18 Agencies Under Threat of Elimination
2:42 Protecting Your Federal Career & Benefits
3:24 Final Advice – Don’t Work Longer, Work Smarter

#FederalEmployees #GovernmentShutdown #RetirementPlanning #TSP #FERS #CDFinancial #October2025

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