You Could Avoid Making This Irreversible Retirement Decision Last-Minute

When should you plan for retirement? This video discusses the critical timing of your federal retirement, emphasizing that thoughtful financial planning and income planning are crucial. Do not rush your decision-making at the last minute; proper retirement planning requires foresight and careful consideration, well in advance of OPM's deadlines.

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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 really start planning for retirement?
0:33 Why six months before retirement is not enough
1:04 The danger of making irreversible retirement decisions last-minute
1:32 Building a strong retirement foundation: the financial house analogy
1:56 Why retirement planning must happen well before paperwork is filed
2:18 Understanding age-based in-service rollovers (TSP and 401k basics)
2:55 Final guidance on preparing before submitting your OPM retirement packet

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.