Retire This Year: The 4-Lane Roadmap

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Retiring This Year? Federal Employees Need More Than a TSP Plan

If you are planning to retire this year as a federal employee, your retirement decision may involve more than your TSP balance. Your FERS pension, TSP income strategy, Social Security timing, and FEHB health coverage all work together, and getting the order wrong can create costly planning gaps.

In this video, we break down the 4-lane federal retirement roadmap for employees in their final year before retirement. You will learn why generic retirement advice often fails federal employees, what to verify before signing retirement paperwork, and why health insurance, survivor benefits, and Social Security should not be treated as separate decisions.

Whether you are trying to choose your retirement date, protect your spouse, create reliable TSP income, or avoid common FEHB and Medicare mistakes, this episode walks through the planning areas many federal employees overlook.

IN THIS VIDEO YOU CAN LEARN

Why federal retirement planning is different from private-sector retirement advice
How your FERS pension, TSP, Social Security, and FEHB all connect
Why your retirement date can affect your pension, annual leave payout, unused sick leave credit, and potential FERS supplement
How to verify your service computation date and creditable federal service
Why military buyback can matter before you retire
And more

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FEDERAL RETIREMENT RESOURCES

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OPM Retirement Center:
https://www.opm.gov/retirement-center/

OPM FEHB Program:
https://www.opm.gov/healthcare-insurance/healthcare/

Thrift Savings Plan:
https://www.tsp.gov/

Social Security Retirement Planner:
https://www.ssa.gov/retirement

TIMESTAMPS

00:00 Retiring This Year as a Federal Employee
01:06 Why Generic Retirement Advice Fails Federal Employees
02:27 The 4-Lane Federal Retirement Roadmap
04:54 Common Federal Retirement Roadblocks
07:55 TSP Income Planning and Long-Term Strategy
08:26 Survivor Benefits, Spouse Conversations, and Health Coverage
10:00 Social Security Timing Mistakes for Federal Employees
11:26 Retirement Date, Sick Leave, and Annual Leave Planning
13:42 FEHB, Medicare Part B, and Survivor Benefit Coordination
16:58 First Steps to Take If You Are One Year From Retirement
19:03 Why Sequencing Your Retirement Decisions Matters
21:45 Final Checklist and Next Step

WHO WE ARE

CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.

Our mission is simple:
Help federal employees retire with more clarity, confidence, and peace of mind.

Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.

IMPORTANT DISCLAIMER
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.
This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.
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 or 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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