Retirement Moves in the 6-Figures That Most Pension Holders Get Wrong

We examine a realistic scenario for a client with a $750,000 TSP/401(K) and a $40,000 pension, focusing on adjustments in fund allocation, and a financial scenario for "Bill" vs. "Jack", one begins withdrawing $3,000 monthly from his TSP and takes Social Security at 62. Understanding crucial aspects like TSP distributions, retirement income, and tax planning is key, and we explore how a bucket strategy retirement approach can help manage these changes effectively.

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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 Why Retirement Planning Is Different When You Have a Pension
0:47 Treating Your Pension as the Foundation of Retirement Income
1:42 Social Security Timing Mistakes Pension Holders Make
2:39 Using a Pension to Delay Social Security and Increase Lifetime Income
3:02 TSP and 401(k) Withdrawal Strategies With a Pension
4:10 How Pension Coordination Can Extend Portfolio Longevity
4:39 Rethinking Risk Tolerance When You Have Guaranteed Income
5:49 Asset Allocation Changes for Pension-Based Retirees
6:58 The Pension Coordination Checklist (3 Critical Questions)
8:24 Common Pension Planning Mistakes and Missed Opportunities

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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.

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