Federal Retirement Planning: Why Most Employees Get This Wrong

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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 Who’s in charge—Uncle Sam or you? (Federal retirement uncertainty)
0:35 A year of chaos: shutdowns, mandates, layoffs, and constant change
1:29 Focus on what you can control: planning through instability
4:58 Emergency fund planning for federal employees (shutdown-proof cash)
5:50 Invest in yourself: skills, career options, and private-sector flexibility
6:16 Real example: job searching after DRP and staying persistent
6:59 Reality check: unemployment limits and income gaps during disruption
7:48 Common risk: big TSP balance, small cash reserves
8:08 TSP loan strategy during a shutdown (how it can bridge pay delays)
11:17 OPM processing delays: retirees paid vs “no man’s land” cases
12:24 OPM backlog and processing pace: what it means for your timeline
18:41 Retiring soon? Why 3 months of expenses is a smart minimum buffer
22:02 Health meets wealth tip: coconut oil for dry skin and shaving
23:56 Wrap-up and where to find more resources

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.