How to Decide the Right Age to Retire (Federal Employee Guide)

When should you retire—62, 65, or 67? The right decision could mean a bigger pension, stronger Social Security benefits, and more years to enjoy your retirement income.

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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 When Should You Retire? 62, 65, or 67?
2:00 Social Security Timing: Does It Pay to Delay?
5:00 The Pros & Cons of Taking Benefits Early
10:00 Funding Retirement Accounts: Maxing Out TSP & 401(k)
13:00 Increasing Your Pension by Staying Longer
16:00 The Hidden Costs of Delaying Retirement
18:45 Go-Go, Slow-Go, and No-Go Retirement Years
20:00 Why Having a Retirement Plan Matters Most
22:00 Health & Lifestyle: Taking Real Breaks
24:00 Final Takeaways & Free Consultation Offer

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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