『The 7 Biggest FERS Mistakes We See Federal Employees Make』のカバーアート

The 7 Biggest FERS Mistakes We See Federal Employees Make

The 7 Biggest FERS Mistakes We See Federal Employees Make

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Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterComment Below:Which FERS Mistake Could Cost You the Most Later?If you are a federal employee getting close to retirement, these FERS retirement mistakes can affect your pension, survivor benefits, FEHB coverage, TSP withdrawals, Medicare costs, and long-term retirement income. In this video, we break down seven of the biggest federal retirement planning mistakes we see employees make before leaving federal service.Why FERS survivor benefit elections can affect both pension income and FEHB coverageHow the wrong federal retirement date may impact annual leave, taxes, and retirement timingWhy FERS COLA rules can create long-term inflation pressure in retirementHow pension income, Social Security, TSP withdrawals, and military pension income can stack for taxesWhat IRMAA is and why Medicare costs may rise after certain income eventsWhy coworker advice may not fit your federal retirement situationHow to think through irreversible retirement decisions before signing final election formsWhy federal retirement planning should be based on your full financial picture, not one isolated benefit━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━OPM Retirement Center:https://www.opm.gov/retirement-center/OPM Survivor Benefits:https://www.opm.gov/retirement-center/survivor-benefits/OPM Cost-of-Living Adjustment Information:https://www.opm.gov/frequently-asked-questions/retire-faq/post-retirement/how-is-the-cost-of-living-adjustment-cola-determined/SSA IRMAA Information:https://secure.ssa.gov/poms.nsf/lnx/0601101020Medicare 2026 Premiums and Deductibles:https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 The 7 Biggest FERS Mistakes Federal Employees Make1:09 Why Pension Mistakes Stay Invisible Until Later2:13 Mistake 1: Survivor Benefit and FEHB Coordination5:22 Mistake 2: Retiring on the Wrong Date8:24 Mistake 3: FERS COLA and Inflation Drag11:51 Mistake 4: Tax Stacking in Federal Retirement14:35 Mistake 5: IRMAA and Medicare Cost Surprises20:19 Mistake 6: Believing Retirement Myths Instead of Planning23:21 Why Coworker Advice Can Lead to the Wrong Retirement Decision24:17 What May Still Be Fixable After Retirement24:40 Health Tip: Decision Fatigue and Retirement Forms26:02 Next Step for Federal Employees Near Retirement━━━━━━━━━━━━━━━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 DISCLAIMERAdvisory 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.FERS retirement mistakes, federal retirement planning, FERS survivor benefits, FEHB in retirement, federal employee retirement date, FERS COLA, TSP withdrawals in retirement, IRMAA Medicare, federal pension planning, OPM retirement, federal employee benefits, retirement income planning, federal employees nearing retirement, survivor annuity, federal retirement taxes, CD Financial#FERSRetirement #FederalRetirement #FederalEmployees #...
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