Are you a federal retiree still waiting for your first pension check? You’re not alone—delays at OPM are leaving thousands in financial limbo. In this video, learn bridge strategies to cover expenses, avoid financial hardship, and what steps you can take now if your federal retirement payment is late.

Your pension check might not be processed—so what are you going to do when no pension checks are being processed?

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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 Intro – “No pension check. How are you going to survive the first few months of retirement?”
0:46 What happens when your agency hasn’t coded you retired yet: “You’re still an annuitant but no check.”
1:10 Ask your credit union or bank: CD access, penalty-free withdrawals, deferred loans.
1:40 Insurance & loan modifications: what banks might offer when you’re waiting for annuity payments.
2:37 Home-equity line of credit (HELOC) as a bridge strategy.
3:28 TSP options if you’re 59½ – in-service rollovers or IRA linkage.
3:52 What if you’re under 59½ and your TSP hasn’t been coded retired? General loan options.
4:54 Two outstanding general loans from TSP? How the law changed.
5:46 Recap of “handful of ideas” to bridge the gap until your first annuity payment.
6:18 Final thoughts: “You don’t have to work longer—you just need a better plan.”

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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