Pension or No Pension? Here's How Everything Can Change

If you have a defined benefit pension, everything from when you claim Social Security to how you draw your TSP/401k changes — because guaranteed income becomes your foundation for smarter retirement planning.

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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 Pension vs No Pension — Why Retirement Planning Isn’t One-Size-Fits-All
0:28 Why Most People Underuse Their Pension
1:20 Your Pension as the Foundation of Retirement Income
2:12 The Financial House Framework Explained
3:45 Why Claiming Social Security Early Can Be a Costly Mistake
5:05 Social Security at 62 vs 67 vs 70 — Understanding the Math
6:25 How a Pension Creates Flexibility in Retirement Decisions
6:49 Two Retirees, Same Savings — Very Different Outcomes
7:48 Coordinating Pension Income With TSP and 401(k) Withdrawals
8:40 How Strategy Impacts How Long Your Money Lasts
10:02 Should You Be Playing It Safer or Smarter With TSP
11:10 Separating Income Assets From Growth Assets
12:16 Why Pulling Money During Market Drops Hurts Retirement
13:41 Three Questions Every Pension Holder Must Ask
14:58 Using Your Pension as a Strategic Planning Tool
15:41 How to Book a Pension Coordination Review
16:38 Final Takeaways — Don’t Leave Retirement Income Unused

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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