First-Year in Retirement: Mistakes Some Federal Employees Make

The first year of retirement for federal employees can quietly determine decades of financial stability—or costly mistakes if key decisions around pension, TSP, taxes, and healthcare are overlooked.

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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
0:52 Why the First Year of Retirement Matters
1:25 Survivor Benefit Mistakes That Can Affect a Spouse
2:41 TSP Mistakes and Missed Tax Planning Opportunities
4:16 FEHB vs. Medicare: Key Healthcare Decisions
7:09 Medicare Part B Timing and Premium Penalties
9:09 Tax Surprises From Annual Leave and Withdrawals
10:12 Social Security Timing Mistakes in Retirement
12:34 Why Professional Federal Retirement Guidance Matters
14:35 Health Tip: Protect Your Energy in Retirement

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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.