Retirement planning mistakes federal employees make in their first year — from TSP decisions to FEHB coordination and Social Security timing — can cost decades of peace of mind and financial security. Learn the key retirement mistakes and how to avoid them with strategic planning and benefits coordination.

👉 Get the Federal Retirement Planning Guide
Download now: https://cdfinancial.org/checklist-challenge/
FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
Newsletter: https://cdfinancial.com/newsletter

👋 WHO ARE WE?
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 First-Year Retirement Mistakes for Federal Employees
0:26 Pension Survivor Benefit Mistake (Protecting Spouse + FEHB)
0:54 TSP in Retirement: Why “Do Nothing” Is a Decision
1:33 FEHB Review in Retirement: Don’t Skip Open Season Options
1:58 FEHB Premium Increases: Why Costs Are Forcing Plan Comparisons
2:34 Medicare Part B for Federal Retirees: Choice, Not Requirement
3:00 Social Security Claiming Mistakes: Don’t File Without a Plan
3:34 Next Step CTA: Five Pillars to Retirement Video

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.

Support the show