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Federal Employees Retirement & Benefits Podcast by CD Financial
The objective of this podcast is to educate and enlighten you about your federal benefits and to guide you in creating a well-formed retirement income plan.
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Federal Employees Retirement & Benefits Podcast by CD Financial
TSP Rollover Mistakes That Cost Federal Employees Thousands
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Most federal employees are told to roll over their TSP when they retire, but that decision should start with a better question: What is this money supposed to do for you in retirement? In this episode, we break down common TSP rollover mistakes, IRA rollover considerations, tax treatment, withdrawal rules, and how a written retirement income plan can help federal employees make more informed decisions.
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đź‘‹ 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 TSP Rollover or Leave It?
0:41 The Question Most Federal Employees Skip
1:17 Why People Automatically Roll Over Their TSP
2:20 Common Reasons Retirees Move TSP Funds
3:07 TSP vs IRA vs Roth IRA Explained
5:09 How Rollovers Can Simplify Retirement Accounts
6:05 Where TSP Rollover Mistakes Begin
7:22 What “FBO” Means in a Retirement Rollover
8:24 Early Withdrawal Penalties and Tax Risks
9:41 The Importance of a Written Retirement Plan
11:00 Creating a Retirement Income and Tax Strategy
15:16 Final Thoughts and Retirement Roadmap
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.