Retirement Planning Risk #1: Waiting Until You Fill Out the Packet to Make Lifetime Decisions

Federal retirement planning shouldn’t start when you’re filling out the retirement packet — by then, you’re making lifetime decisions under a deadline. Planning early gives you time to align your benefits with your goals.

Learn how to complete your federal retirement paperwork accurately, understand benefit elections, TSP options, survivor benefits, and the retirement submission process before you’re up against the clock.

We offer you a FREE 15-minute call to ask questions and start understanding whether you have a real retirement plan or just the idea of one. Schedule here: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube

Are You “Shutdown-Proof” for Retirement?, find out here: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8b

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👋 WHO AM I?
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: Why the Retirement Packet Matters
1:15 Understanding Your Retirement Forms
3:40 Key Benefit Elections – FERS & CSRS Explained
6:25 TSP, Social Security & Benefit Timing
9:05 Survivor Benefit Options Explained
11:50 Common Errors & How to Fix Them
14:10 Submission Methods – Mail vs eOPF
16:40 Timing Your Retirement Effective Date
19:00 Where to Get Help & Support

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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